Housing Inequality

Question 2 • CA-Ethnic Studies

What is steering?

Answer

providing less favorable loan or mortgage terms to people based on their race or ethnicity

creating maps to grade neighborhoods based on their perceived stability and risk factors

encouraging people to sell homes in urban areas and purchase new ones in suburban areas

guiding people toward or away from certain neighborhoods based on their race or ethnicity

Explanation

Steering is the practice of guiding prospective homebuyers toward or away from particular neighborhoods because of their race or ethnicity. This discriminatory practice restricts where people can choose to live. Choice A describes unequal lending terms, while choice B describes redlining.

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