Beginning in the 1930s, many federal mortgages were barely available to residents who lived in minority, racially mixed, "transitional” neighborhoods. Lenders began to circle on a map the areas where people of color lived to state mortgage lending would not be available to residents of that neighborhood. Redlining encouraged Whites to purchase homes in stable White communities and discouraged any investment in those minority neighborhoods. It also trapped minorities in those neighborhoods because they were not able to get loans to move out (The Future of Fair Housing, …show more content…
However, “Blacks and Latinos also have less access to the entire housing market because whites, through a variety of exclusionary practices by white realtors and home-owners have been successful in effectively limiting their entrance into many neighborhoods” (Silva, Chapter 1, p. 2). Residential segregation is no longer because of overt discrimination but rather “behind-the-scenes” and “invisible racism” with practices such as “steering minorities and Whites into certain neighborhoods, quoting higher rents or prices to minority applicants, or not advertising units at all or showing all available units.” These practices are examples of institutional racism resulting from racist history and discriminatory practices that led many African Americans to not have a choice in where they live and being “clumped” together. It also shows how even though racism is still around, whites are oblivious because of the subtlety and choose to believe the segregation is not racial because “it’s better now than in our past” and is because of the “individual’s