The Housing Bill Is Still Very Anti Black Ownership

The housing bill, is stated as “Bipartisan” yet, Black retirees, Black Veterans, and long term Black employees seem to mysteriously never be qualified for home loans, car loans, or business loans. (Say it again for the algorithms, Black loans)

The Plus

The bill states homes will get built faster, (not sure how that works out with environmental disasters and data centers already approved in pre-developmental neighborhoods)

Small dollar loans ($100K) won’t go through so much (alleged) red-tape

Modular Homes by-pass petty land permits for local municipalities ( will that clash with anti trailer home ordiances)

Anti Corporate Buyers, (will that increase shell corporations and exempt corporate real-estate companies like Berkshire Hathaway?)

New grants to help repair homes (does this offset FEMA funds after disasters?)

Read – https://www.npr.org/2026/05/20/nx-s1-5827166/house-passes-housing-affordability-bill

The Negative

In many circumstances, the biggest hurdle for any kind of loan, in America, especially “Home Loan” has been the behavior of the underwriters. For the past 70 years there has been a weird shift, where children of White Immigrants, and Hispanics, class-war within the Black community, have practiced irrational bias against the Black loan process. So while the Democratic Socialist whine about unfairness for illegals getting homes without pushback, Republican Socialist, have been playing dumb on how rural and middle America taxes are increased/spent, pricing out legacy homeowners, without transparency of federal funds created to assist low infrastructure parts of America.

Bipartisan Gatekeeping

The issue that I’ve seen constantly, Black people are getting it literally from both ends. A situation where a Black retiree with guaranteed monthly income, is suddenly not approved for a $2000 a month loan coverage, despite making $4000+ and up month income. There is a very little debt to income ratio, and in some cases I’m not even sure why debt-to-ratio exists for people with guaranteed state/federal pension. The Black ones get more pushback than other unpredictable loan applications.

While other groups show constant bad habits for borrowed loan assessments and bad faith collateral, they are approved and then forced to explain why they can’t pay later. For Black loan request, they have to prove, upfront, why they need the loan, and if the underwriter feels they aren’t good enough to even apply. A very different measure vs an illegal getting 50-11 loans with no pushback, a White young adult quickly getting a car loan with no collateral, or a young Black college student, getting the loan with a 170% Apr, and a unauthorized background check. Some racial groups are even being incentivized to red-line capable Black borrowers but, the data shows Hispanic discrimination against Black borrowers doesn’t exists, even though we’re seeing it in plain sight. When it does get brought up the erasure of the behavior gets clumped together without correcting the issue. To make it worse, many Black classism antics hide even deeper in the issue.

Make It, Make Cents

A Hispanic home owner is quickly approved. Despite doctored paperwork, and inconsistent income, and there is very little double, and triple verification on if they are “worthy” of the loan. A White 25 year old, with a $38,000 a year salary can file for any loan, and get hundreds of thousands without blinking. An immigrant grad student, wants a $125k condo loan? As long as they show they are working at a University, no push back on becoming approved.

If you ever saw a Washington Mutual Bank in the early 2000s, it looked like a Figueroa swap meet. The Hispanic bank tellers would treat Black customers like criminals. If you went to a bougie Black bank, ran by master degree rejects, you’d get the worse interest rate offers and even worse advise. A White bank would nice Black goers to-death, leaving with free pens and calendars, and a later call saying “we’re sorry.” The Bank, when it came to Black wealth or any solid income has been a traumatic reminder, “we don’t want you making money for America.” That traumatic experience is the one reason online banking became so popular. CashApp is being shit talked because it stopped gatekeeping and making a mint where Black bankers money is welcomed. It allowed blind reviews for Black bank goers to engage in economics without bias. With some only noticing the bias activate once they had to show proof of ID for many financial institutions and car dealerships.

It’s Not Just Brokies, Its Stable Black Income

I once had to help my 58 yr old, career Black Veteran neighbor find funding to fix his roof after a bad storm. He first wasn’t told about the actual process to exercise his GI Housing fund, which is strange. So he got what he needed, but without it, no bank was giving him the money he needed for repair. The presumption was that he bought the house with that GI Loan but, nope he paid for it, with his pension, and fixed it with his own hands, sitting on two solid forms of money he wasn’t even allowed to exercise. He asked for help because the private loan underwriter wouldn’t approve his home-repair loan. I told him let me see something, and we testing to see the behavior based on different races, and when he showed his face how the reactions would be.

It wasn’t good, and to empower him we made sure his GI money went through, but, what I showed him, it wasn’t him, it was the people gatekeeping. There are other incidents where retired Black (certified) teachers, and city workers with bomb-ass pensions, weren’t even able to open basic bank accounts. So when when there is any push back over “illegals” its not that they should have somewhere to live, its that partisan politics hasn’t been honest about being fair. They have no intentions of fixing the real problem, using disparity as weapon during election years, then ignoring the build up bias until they need something again.

And we’re not talking about Section 8 and low income applications, we are talking people who are sitting on money and income they can’t even apply to anything because of this bias.

Bipartisan Bias

When they’re talking Bipartisan, is this the system they’re defending or an open face conspiracy? Because time and time again, it’s hard to understand who these politicians are fighting for when Black loan issuing seem like a broader conspiracy. So everyone can get cars, and homes and business support but Black is too high risk to particpate? TFOH. There is also a disturbing trend of pocket patters aka DACAs aka first born Hispanics being triggered having to serve Black customers. Many of them get jobs as loan officer, only gaslight $250,000 a year Black pension holders, they don’t qualify, for anything, and then call the cops on them when they leave. To make it worse, you will have a whole ass Black Retiree, time and time again be talked out of protection by a shady Sub Prime agent who attends their church, filing false processing claims. There is no safe channel for a Black economic engagement, even from the banks and that is how American really fails.

Its Hard To Present Hope, Knowing

To assist a Black business owner, who’s making a business model work in their home, ready to transition to brick and mortar after 7 years in the green, it’s hard to understand why the bank thinks they’re too much of a risk. You shadow, learning their case manager is trying to be relatable with White BLM talking points. You say, okay maybe they won’t invent barriers and at at least be fair. Nope. suddenly you see them become triggered for not hearing political talking points they want from a Black person. Almost to say “why are you trying to improve you’re life when systematic racism exists,” while discriminating.

So you go to another lender, and clock the poor Pro-American White underwriter, with a fake Italian name, suddenly get jealous at the numbers being too good, and disapproves an already approved loan, meant to cover an influx of already paid for orders. During small talk you learn their parents came to America in the 1960s and they “love America,” and all that BS. Implying Black isn’t good enough to love America like they do. (This is real ass situations btw.)

What good is bipartisan if it systematically blocks generational Black citizens in America to contribute to its wealth? What does this gain if America’s regardless of race, gets gate kept out of the loan culture, despite guaranteed income. For me, if you’re stifling America’s prosperity, you’re an OP, plain and simple. To still not being “enough” to participate in communal development, because they’re supposed to know their place? This is why before “Democratic” Socialism, America has been plagued with “Republican” Socialism first. This country will never make if everyone isn’t allowed to participate in its LEGAL economic gains.

If You’re Broke, I Get It

Sure, if you can’t pay for stuff you shouldn’t be allowed the lion share, but why is American equity only obtained for people who come to America but, not available for those who have nothing but America left to thrive? See in Middle America, Rural, the same thing happens to a lot of Whites who aren’t hyper political These Republican Socialist, love to gatekeep tax paying services, and take federal handouts in private, while selling self-sustainability through increased taxes that no one sees activate. Shits a secret where all that extra money from the state, the residents and the federal government goes, while they preach about “no hand outs.” Because small towns are kept in the dark, they can only thrive off of conspiracy, not knowing the real culprits.

This is why I always use the Japanese American landownership issue as an example. Because many of them experienced the same gatekeeping by Whites and Hispanics in California, and many West Coast areas that push Democratic Socialism, refuse to give back their land. You got land still outright owned by Japanese Americans, being sold for data centers and equity housing. They bring up Native Americans but, refuse to correct something closer in time. Seems like an overall trend of scaring everyone about a hidden enemy to obtain collective support with public money. But for loans, then everyone gets on the same page about Black equity.