World War II, developers encouraged buyers to use GI benefits and apply for FHA loans. Source: Lee, Russell. "Sign of Federal Housing Administration Housing. San California," Farm Security Administration - Office of War Information Photograph Collection, 1944. In 1934, the Federal Housing Administration was 1. According to the text, what was the purpose created in response to the housing crisis of the of the FHA? Depression. The FHA insured loans made by banks for The purpose of the FHA was to make building and buying homes, and helped many more homeownership more affordable and Americans become homeowners. In the process, it accessible. also created and strengthened the racial segregation of neighborhoods. Explain what the FHA might have meant by The FHA only insure loans to neighborhoods that zoning regulations and appropriate “proper were considered safe and desirable. The FHA created deed restrictions.” a rating system, using four different colors: green, blue, yellow, and red, with green areas as the highest The FHA is referring to racially zoned rated neighborhoods. According to the 1935 FHA neighborhoods and restrictive covenants. Underwriting Manual, an area could obtain a high rating by existence and enforcement of proper “the zoning regulations and appropriate deed restrictions.” Neighborhoods would receive a lower rating if they had of inharmonious 3. Describe what the FHA might have meant by “infiltration racial or nationality groups.” of inharmonious racial or “infiltration nationality groups.” The FHA is referring to neighborhoods that Manual: Underwriting and Source: “Underwriting are not exclusively white, or are integrated in Valuation Procedure under Title II of the National Housing Act,” Federal Housing Administration, 1935. some way. Use the maps to find evidence of redlining: Lesson Focus Question: How did the FHS contribute to residential segregation? The FHA helped many white but hurt both white and black Americans whose neighborhoods were poorly rated. Part 2: Personal Stories of Housing Segregation (1940s-1960s) Focus Question: How did housing policies affect individuals? Goal: In this section, students will explore how policies, reinforced by individual actions, made it difficult for African Americans to purchase homes and build equity at a time when many white Americans were moving into the middle class through home ownership.
World War II, developers encouraged buyers to use GI benefits and apply for FHA loans. Source: Lee, Russell. "Sign of Federal Housing Administration Housing. San California," Farm Security Administration - Office of War Information Photograph Collection, 1944. In 1934, the Federal Housing Administration was created in response to the housing crisis of the Depression. The FHA insured loans made by banks for building and buying homes, and helped many more Americans become homeowners. In the process, it also created and strengthened the racial segregation of neighborhoods. The FHA only insure loans to neighborhoods that were considered safe and desirable. The FHA created a rating system, using four different colors: green, blue, yellow, and red, with green areas as the highest rated neighborhoods. According to the 1935 FHA Underwriting Manual, an area could obtain a high rating by “the existence and enforcement of proper zoning regulations and appropriate deed restrictions.” Neighborhoods would receive a lower rating if they had “infiltration of inharmonious racial or nationality groups.” Source: “Underwriting Manual: Underwriting and Valuation Procedure under Title II of the National Housing Act,” Federal Housing Administration, 1935. 1. According to the text, what was the purpose of the FHA? The purpose of the FHA was to make homeownership more affordable and accessible. Explain what the FHA might have meant by “proper zoning regulations and appropriate deed restrictions.” The FHA is referring to racially zoned neighborhoods and restrictive covenants. 3. Describe what the FHA might have meant by “infiltration of inharmonious racial or nationality groups.” The FHA is referring to neighborhoods that are not exclusively white, or are integrated in some way. Use the maps to find evidence of redlining: Lesson Focus Question: How did the FHS contribute to residential segregation? The FHA helped many white but hurt both white and black Americans whose neighborhoods were poorly rated. Part 2: Personal Stories of Housing Segregation (1940s-1960s) Focus Question: How did housing policies affect individuals? Goal: In this section, students will explore how policies, reinforced by individual actions, made it difficult for African Americans to purchase homes and build equity at a time when many white Americans were moving into the middle class through home ownership.
Segregation%20and%20Housing%20Lesson.docx