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FHA Underwriting Manual: Versatility In Education

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Throughout the 1900s, African Americans began to view basic education as a tool in gaining independence and further success in life. African Americans, who had been consistently treated as inferior humans and seen as slaves by the general population for the past two centuries, now strive to build an educational foundation to access aspects of society such as respectable jobs, high salaries, and housing. However, systematic discrimination and historical opposition against Blacks resulted in an inferior quality of schooling for Blacks in comparison to white people, which impacted important parts of their lives such as housing. Educational disparities between Black and white citizens encouraged segregated housing in America by Blacks not meeting …show more content…

A requirement in the FHA Underwriting Manual is “1039. Versatility. The. This factor requires an analysis of the attributes that qualify the borrower for employment. Versatility is a desirable quality. A degree of versatility in a borrower may be developed by education and training.” The Underwriting Manual states that a buyer must display “versatility” in order to qualify for a loan, which is earned through education and experience. The Manual was published in 1938, when the idea of “separate but equal” was not yet abolished, meaning that African American students received education while separated from white students. While their facilities were supposedly equal, the mere act of dividing the races is inherently racist, and Black students in reality had less resources such as a lack of funding, larger classes, and teachers with less experience. “Versatility” is described as “desirable”; “desirable” insinuates the attractiveness of having such a trait in order to obtain loans from the FHA. Thus, without such “versatility,” it is implied that an individual is less likely to receive aid from the

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