In Chapter 628 of the City of Kettering Codified Ordinances the following is stated: No person selling real property shall, solely because of religion, creed, color, race, sex, handicap, familial status, national origin, or ancestry or any person: 1) Refuse to sell, lease or rent any real property to a purchaser; 2) Evict or deny occupancy to a purchaser of any real property; 3) Make any distinction, discrimination or restriction against a purchaser in the sale, rental, price, terms, conditions or privileges relating to the sale, rental, lease, occupancy of real property, or in the furnishing of any facilities or services in connection therewith; 4) Refuse to show any real property or otherwise attempt to prevent the sale, rental or lease of any property to purchaser.
If a person and/or households feels he/she or they have been discriminated against while purchasing or renting a housing unit, the City of Kettering can help. The City contracts with the Miami Valley Fair Housing Center to assist the City in responding to calls regarding possible housing discrimination issues. The Miami Valley Fair Housing Center is a non-profit organization that serves the Miami Valley by encouraging fair housing through educational and enforcement programs. For further information or to file a housing discrimination complaint, please call our partner agency, the Miami Valley Fair Housing Center at (937) 223-6035 or visit their web page at firstname.lastname@example.org.
Predatory lending is a lending practice that puts homeowners in danger of losing their home. Predatory lending occurs in a variety of lending practices:
Predatory lenders will often charge extremely high interest rates and fees that are financed into the loan.
Interest Rates and Terms
Many borrowers are offered lower monthly payments, a good interest rate and a loan that meets all their needs; however, at the closing table, oftentimes, the interest rates, terms of the loan or prepayment penalties are found.
To promise lower monthly payments for homeowners, borrowers have included balloon payments—3-, 5- or 10-year requirements—without explaining the meaning. When the balloon payment comes due, homeowners are often forced to refinance or lose their home to meet this obligation.
If you feel you have been a victim to predatory lending practices, call the Miami Valley Fair Housing Center at (937) 223-6035.