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Fair Housing Act

Learn about the Fair Housing Act and its affect on the VA Home Loan program.

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As a part of the VA Home Loan process, federal law requires VA lenders to obey Fair Housing Laws. The Fair Housing Act prohibits lenders from discriminating against many things – listed below – so that borrowers are provided with a fair and honest lending experience.

Odds are you won’t be greeted by these problems, but in the event that you feel to be in violation, you can report the activity to your local VA Office. After filing VA Form 26-8827, your local office will investigate the complaint. Your complaint must describe the discriminatory action including the date it occurred, names, addresses, and telephone numbers of all parties involved in the action, and the address of the property involved.

What is Prohibited

As pertaining to VA Lending, no one may refuse to fund a mortgage, provide different information regarding loans, discriminate in appraising and offer different terms or conditions based on race, color, national origin, religion, sex, familial status or handicap (disability).

Additionally, it is illegal for anyone to threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise that right or to advertise or make any statement that indicates a limitation or preference based on race, color, national origin, religion, sex, familial status, or handicap.

It is important that you are aware of this law while buying a home. The VA believes that everyone is entitled to equal opportunity when buying a home, and that no person should be discriminated against in the process. If you have problems, submit your complaint directly to the VA and they will do what they can to help you get the home you deserve. It is called fair housing for a reason: it is supposed to be fair.

Contact a Veteran Loan Center representative today to learn more, or return to the VA Loan Benefits Handbook.