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After Denying It, HUD Declares Federal Housing Administration Is No Longer Helping DACA Recipients With Housing Loans

In a blow to Deferred Action for Childhood Arrivals (DACA) recipients, the U.S. Department of Housing and Urban Development says young undocumented immigrants will be ineligible for federally backed housing loans. The news comes after months of confusion about the policy for immigrants who were brought here as children. Back in April, Secretary of HUD, Ben Carson denied this at a congressional testimony but a Housing and Urban Development (HUD) official said last week DACA recipients are indeed not eligible for Federal Housing Administration (FHA) loans.

Federal Housing Administration (FHA) loans are intended to make homeownership more attainable for those with lower credit scores and incomes.

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“Because DACA does not confer lawful status, DACA recipients remain ineligible for FHA loans,” Len Wolfson, a Department of Housing and Urban Development (HUD) official, wrote in a letter to California Democratic Rep. Pete Aguilar last Tuesday. “Determination of citizenship and immigration status is not the responsibility of HUD, and the Department relies on other government agencies for this information.”

The latest declaration is a reversal from HUD’s previous statements to questions about whether FHA is backing mortgages for DACA recipients. The Trump administration has been trying to rescind the Obama era policy but has been blocked by a federal judge from doing so.

“I’m sure we have plenty of DACA recipients who have FHA mortgages,” Carson said at a congressional hearing in April. “I would simply say that I have instructed everyone to follow the laws of the United States with regard to DACA, with regard to anyone who is an immigrant or a potential immigrant to this country, and as long as you continue to follow the laws you will have my approval.

In the letter, Wolfson put the blame on the Obama administration for the policy and its regulations. He references former Homeland Security Secretary Janet Napolitano’s letter from 2012 that DACA “confers no substantive right, immigration status or pathway to citizenship” for recipients.

Even after Carson said that “plenty of DACA recipients” were receiving FHA-backed loans, lenders were being told to do the exact opposite.

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According to Buzzfeed News, After Carson denied the notion that DACA recipients weren’t being approved for FHA loans, many reported that they were still being denied help.

“The explanation we received from HUD is inconsistent with the realities on the ground and statements made by Secretary Carson to members of the Appropriations Committee, and it does nothing to clarify the confusion created by the agency’s inconsistent policies,” Aguilar said in a statement to BuzzFeed News last Thursday.

The FHA has never stated that receiving a loan means requiring citizenship or lawful status.

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DACA recipients had previously never faced problems when applying for federally-backed housing assistance. FHA has also never had a clear policy that pertains to DACA recipients. According to the FHA’s single-family housing handbook, a housing guide the agency refers lenders to, notes that an Employment Authorization Document, which DACA recipients possess, is necessary “to substantiate work status” for noncitizens and qualifies them for such loans.

Under the Obama administration, HUD was supporting DACA borrowers under these circumstances. Yet the Trump administration has clearly enforced these guidelines differently.

“We know that DACA recipients have received these loans in the past, and it’s shameful that HUD is allowing the president’s anti-immigrant agenda to dictate housing policy,” Aguilar told Buzzfeed News.

This news comes out as the House Financial Services Committee last Wednesday passed a bill, Homeownership for DREAMers Act, that guarantees DACA recipients have the right to obtain federally backed mortgages.

This means recipients also can not be denied based on their immigration status. The bill is set to go to the House floor for approval, but many believe it’s unlikely the bill will pass the Republican-held Senate or be signed into law by the president.

READ: With Democrats Now In Charge Of The House, What Does That Mean For DACA Moving Forward?

Kamala Harris Proposes Ambitious $100 Billion Grant Program To Close Racial Gap In Homeownership

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Kamala Harris Proposes Ambitious $100 Billion Grant Program To Close Racial Gap In Homeownership

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Democratic Presidential candidate Kamala Harris, a California Senator, has recently proposed a $100 billion federal grant solution to help address the racial wealth gap for Black Americans. The crux of the solution is centered in homeownership. She wants to help pay for down payments and closing costs for families of color that are still affected by redline segregation-era practices. She announced her plan Saturday at the Essence Festival in New Orleans, which aims to lift up Black women.

“That not only lifts up black America, that lifts up all of America,” she told the crowd.

The plan would help at least 4 million families that are living in those areas that were redlined. Redlining is the term used to describe Jim Crow laws that limited black families’ abilities to take out loans to buy homes. Redlining effectively set boundaries on where those families could live, and, generations later, those families continue to suffer.

The plan also includes a crucial policy change that would raise credit scores for many minority families.

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Her plan is to change federal policy that would count rent payments and utility bill payments toward credit scores, effectively raising credit scores for POC. The plan would give families of color assistance with buying homes in neighborhoods they had been racially biased from living it by offering grants up to $25,000.

The plan would increase the average wealth of Latino households by $29,000.

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It would also increase the average wealth of Black households by about $32,000, according to The New York Times. By aiding with down payments and closing costs, it allows families to buy homes that they could pay off with their existing monthly income, rather than requiring tens of thousands of dollars in savings before ownership.

Of course, Fox News is already screaming their heads off about reverse racism.

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Unlike offering home loans that families can’t afford, which caused the 2008 housing crisis, this plan seeks to make true reparations for Black families that were prevented from owning homes due to Jim Crow laws.

Thankfully, folks are clapping back at the #whitesplaining.

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Instead of discussing the issue at hand–reparations for redlining–Tucker Carlson and his gang talked about how it would be racist to white people by not including them in the conversation. If white folks were included in the conversation, it would be as perpetrators of racist systemic oppression, but Kamala Harris is focusing on justice for black folks, not punishing white folks.

Some people are generally concerned over “race-baiting” policies.

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We see you Pan Dulce. There are over 40 million Black folks in the United States, and several responded to Harris’ tweet with concern that this only helps 10 percent of the population. Of course, the 4 million that would be helped are a diverse group of POC that are descendants of those that were racially segregated. That’s several generations of POC paying rent to a landlord instead of owning a home they could pass onto the next generation, to give them a leg up in the world. When reparations aren’t made, families remain static, instead of progressing.

Just one example of a certified Doctorate in Reverse Racism.

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We don’t know what your Ph.D. is in, Mr. Eddie Donovan, but it certainly isn’t in systemic injustice or empathy. Hope you had fun leaving that little winky face at the end of a tone-deaf comment, though. Harris’s plan aims to undo generations of unfair and racist practices that hurt Black and brown communities. The same plans being proposed were once used exclusively for white communities so it is just a way to even the playing field.

Harris is tackling systemic injustice alongside Alexandria Ocasio-Cortez in other ways, too.

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Just this week, the duo introduced a bill that would reduce recidivism through housing after incarcerated individuals leave the system. America has the highest percentage of our population behind bars than any other country in the world. Many of the laws that place folks in jail started out as Jim Crow laws and have simply evolved to become more insidiously racist.

Regardless of those offended by the proposal, people are coming out in droves to support the effort.

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Keep it going, Harris. #BlackWomenMagic

A Univision poll showed that Kamala Harris support by Latinos more than doubled from 6 percent to 22 percent after the debates.

@KamalaHarris / Twitter

The poll only included 411 Latino voters and showed Kamala Harris in the lead with 22 percent. Castro was behind her with 18 percent, and Biden and Sanders were tied at 16 percent.

READ: Don. Jr. Said Kamala Harris Wasn’t Black Enough And Democratic Presidential Candidates Are Not Having It

Presidential Candidates At The Second Democratic Debate Stand Up For Undocumented Health Rights

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Presidential Candidates At The Second Democratic Debate Stand Up For Undocumented Health Rights

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The second night of the Democratic debates in Miami were held last night and the undocumented and DACA communities were the main topics. The clear winner of last night’s debate was California Senator Kamala Harris who took on former Vice President Joe Biden and emerged victorious. Here’s a quick recap of what the 10 candidates had to say last night.

California Kamala Harris took a stand with DACA recipient and pledged her full support if elected

“Immediately on January 20, 2021, I will… First of all, we cannot forget our DACA recipients, so I’m going to start there,” Harris answered moderator José Diaz-Balart when asked about dealing with the migrant crisis at the border. “I will immediately, by executive action, reinstate DACA status and DACA protection to those young people. I will further extend protection for deferral from deportation for their parents and for veterans, who we have so many who are undocumented who have served our country and fought for our democracy.”

She added: “I will also immediately put in place a meaningful process for reviewing the cases for asylum. I will release children from cages. I will get rid of the private detention centers and I will ensure that this microphone that the president of the United States holds in her hand is used in a way that is about reflecting the values of our country and not about locking children up and separating them from their parents.”

Sen. Harris then turned to Democratic frontrunner Joe Biden and addressed his record on the issues of race and school integration.

“So, on the issue of race,” Harris started looking at Biden. “I couldn’t agree more that this is an issue that is still not being talked about truthfully and honestly. There is not a Black man I know be he a relative, a friend, or a coworker who has not be the subject of some form of profiling or discrimination. Growing up, my sister and I had to deal with the neighbor who told us that her parents said she couldn’t play with us because we were Black.”

Harris then took on Biden’s record on race saying: “It was hurtful to hear you talk about the reputations of two United States senators who built their reputations and careers on the segregation of race in this country. It was not only that, but you also worked with them to oppose bussing. There was a little girl in California who was part of the second class to integrate her public school and she was bussed to school every day. And, that little girl was me.”

The moment was one of the most stunning at the debate. The audience was silent as Harris captivated the audience giving a personal story on race in America.

Harris was referring to Biden’s remarks from a New York fundraiser where he spoke openly about how he was able to work across the aisle with to segregationist senators in the 1970s.

“I was in a caucus with James O. Eastland… He never called me ‘boy’. He always called me ‘son,'” Biden said of the segregationist senator from Mississippi.

He then brought up “a guy like Herman Talmadge, one of the meanest guys I ever knew, you go down the list with these guys. Well, guess what? At least there was some civility. We got things done,” Biden said. “We didn’t agree on much of anything. We got things done. We got it finished. But today, you look at the other side and you’re the enemy. Not the opposition, the enemy. We don’t talk to each other anymore.”

The other big moment from last night’s debate was the candidates agreeing to healthcare for undocumented people in the U.S.

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Moderator Savannah Guthrie asked the candidates a show-of-hands question about which candidates included undocumented people on their health care plans. Every candidate raised their hands in solidarity.

Guthrie then turned first to South Bend, Indiana Mayor Pete Buttigieg as to why his plan allows undocumented people to have healthcare coverage.

“Our country is healthier when everyone is healthier,” Mayor Buttigieg said. “Remember, we’re talking about something that people are given a chance to buy into. In the same way that there are undocumented immigrants in my community who pay. They pay sales taxes. The pay property taxes directly or indirectly. This is not about a handout. This is an insurance program.”

Debate viewers were pleased to see the show of support for the undocumented community.

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The undocumented community has faced years of attacks from the current administration. The community does not have the power to vote so their future and wellbeing is tied directly to the people around them who have the ability to vote. Hearing candidates talk about issues impacting the undocumented community with compassion is something so many voters have been looking for.

It gave some people hope for the future of America for the first time in two years.

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It is not a secret that several communities have been in distress as the Trump administration steam rolls over everyone’s rights. Seeing this display is something that is sending a message to Americans seeking a compassionate and better functioning government.

It is also important to note that nay sayers of the idea claim they don’t want their tax dollars paying for this. Undocumented immigrants pay taxes. Undocumented people in the U.S. pay billions of dollars in taxes. According to a 2017 study, undocumented people paid $11.7 billion in taxes in 2014.

Texas is the second largest beneficiary of undocumented taxes with a total of $1.6 billion in taxes coming from undocumented people in 2014. California was number one with $3.2 billion in tax dollars in 2014. That said, the debate of whether or not undocumented people deserve healthcare ignores the fact that undocumented people are subsidizing the federal programs Americans use on a daily basis, like Social Security, but those same people do not benefit from those tax dollars spent.

READ: Here Are The Winners And Losers Of Last Night Democratic Debates In Miami Last Night

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