Homeownership Pathways: An In-depth Guide for the LGBTQ+ Community

On June 26, 2015, the U.S. Supreme Court's landmark decision in Obergefell v. Hodges recognized same-sex marriage as a fundamental right nationwide. This historic ruling removed many legal barriers for LGBTQ+ couples, including expanding opportunities for homeownership in states that had not previously recognized same-sex marriage.

Since then, LGBTQ+ homeownership has continued to grow alongside increasing financial stability and purchasing power within the community. However, homeownership rates still trail those of the general population. While approximately 64% of Americans own their homes, homeownership among LGBTQ+ individuals remains significantly lower.

Understanding your rights, knowing what protections are available, and working with an experienced mortgage team can help make the homebuying process more confident and successful.

Homeownership Challenges Facing LGBTQ+ Buyers

Although legal protections have expanded, many LGBTQ+ homebuyers continue to face unique challenges, including concerns about discrimination, unequal treatment, and uncertainty about their legal rights during the mortgage and homebuying process.

A study conducted by researchers at Iowa State University examined national mortgage lending data from 1990 through 2015 and found that same-sex couples experienced lower mortgage approval rates compared to heterosexual couples. The research also suggested that some borrowers paid higher financing costs.

While the mortgage industry has made meaningful progress toward fair lending practices, these findings highlight why it's important for buyers to understand their rights and work with reputable lending professionals who are committed to equal treatment.

Know Your Fair Housing Rights

Federal fair housing laws prohibit discrimination in many aspects of buying, renting, or financing a home.

The Fair Housing Act

The U.S. Department of Housing and Urban Development (HUD) enforces the Fair Housing Act, which prohibits discrimination based on:

• Race
• Color
• National origin
• Religion
• Sex
• Familial status
• Disability

Current federal interpretations and regulations also provide protections for discrimination based on sexual orientation and gender identity in federally covered housing programs.

These protections generally mean that housing providers, landlords, lenders, and others covered by federal law may not discriminate against individuals because of their sexual orientation or gender identity.

Additionally:

• Housing providers may not discriminate based on actual or perceived gender identity.
• Individuals living with HIV/AIDS may also have protections under applicable federal disability laws.
• Organizations receiving HUD funding or participating in FHA programs must comply with federal nondiscrimination requirements.

What to Do If You Experience Housing Discrimination

If you believe you've experienced housing discrimination, you may file a complaint with HUD. The agency investigates allegations involving housing providers and lenders covered under federal law.

HUD works to protect the privacy of individuals filing complaints and prohibits unlawful retaliation against those who report suspected discrimination.

You can learn more or file a complaint by visiting the U.S. Department of Housing and Urban Development's Fair Housing resources.

State and Local Fair Housing Protections

Housing protections can vary depending on where you live. Many states and municipalities provide additional protections that specifically include sexual orientation and gender identity.

Before purchasing a home, it's helpful to become familiar with both federal and local housing laws that may apply to your situation.

Choose a Mortgage Team That Makes You Feel Comfortable

Buying a home is one of the biggest financial decisions you'll ever make. Beyond finding the right loan, it's important to work with professionals who make you feel respected, understood, and supported throughout the process.

Whether you're purchasing your first home or your next home, choosing an experienced mortgage advisor and real estate professional can help simplify the process while ensuring your questions are answered every step of the way.

If you're preparing to buy, explore our Loan Process (https://www.thepoldergroup.com/loan-process) to understand what to expect, or review available Mortgage Loan Programs (https://www.thepoldergroup.com/mortgage-loan-programs-tucson) to learn which financing options may fit your goals.

Helpful LGBTQ+ Homebuying Resources

Several organizations provide education, housing information, and community resources for LGBTQ+ homebuyers, including:

• National Association of Gay & Lesbian Real Estate Professionals (NAGLREP)
• Gay Realty Network
• Gay Real Estate
• Human Rights Campaign
• U.S. Department of Housing and Urban Development (HUD)
• Local ACLU chapters
• Department of Veterans Affairs LGBTQ+ resources

These organizations offer educational materials, housing guidance, and directories of professionals experienced in serving LGBTQ+ communities.

Frequently Asked Questions

Can LGBTQ+ couples apply for a mortgage together?

Yes. Eligible borrowers may apply jointly for a mortgage regardless of sexual orientation or gender identity, subject to lender guidelines and standard qualification requirements.

Are FHA and VA loans available to LGBTQ+ borrowers?

Yes. FHA, VA, Conventional, USDA, and many other mortgage programs are available to qualified borrowers regardless of sexual orientation or gender identity, provided all eligibility requirements are met.

What should I do if I believe I've experienced housing discrimination?

Document the situation, keep copies of any communications, and consider filing a complaint with HUD or your applicable state or local fair housing agency.

We're Here to Help

At The Polder Group at CrossCountry Mortgage, we believe every qualified homebuyer deserves respectful, professional guidance throughout the mortgage process.

Whether you're purchasing your first home, exploring financing options, or simply have questions about the homebuying process, our team is here to help you understand your options and make informed decisions.

Learn more about our Home Buying services (https://www.thepoldergroup.com/buy), explore available Loan Programs (https://www.thepoldergroup.com/mortgage-loan-programs-tucson), or Contact The Polder Group (https://www.thepoldergroup.com/contact-tucson-mortgage-team) to speak with a licensed mortgage professional today.

This article is for educational purposes only and does not constitute financial or mortgage advice. Loan programs, rates, and guidelines may change at any time. All loans are subject to credit approval and underwriting. For guidance tailored to your situation, consult a licensed mortgage professional.