What is the Fair Housing Act?

The Fair Housing Act and the HUD 221(d)(4) Loan Program

The Fair Housing Act (Title VIII of the Civil Rights Act of 1968) prevents discrimination on the basis of race, color, ethnicity, national origin, religion, gender, familial status, or disability during the home buying, leasing, or rental process. In 1974, sex was added as a factor that cannot be discriminated against, in 1988, disability was added, and in 2017, a federal judge ruled that sexual orientation and gender identity was another class protected by the Fair Housing Act. The Fair Housing Act is enforced by HUD’s Office of Fair Housing and Equal Opportunity (FHEO.)


To learn more about HUD multifamily construction loans like the HUD 221(d)(4) loan, fill out the form below and a HUD lending expert will get in touch.