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  • the struggles of getting loans before the FHA 
  • cleveland Ohio,  1967 
  • good morning sir, however, there is a big problem. your credit is not good enough to acquire that large of a loan.
  • WHAT? my credit score 779. 
  • good morning, I am here to apply for a house loan.  I have good credit. I would like to be loaned 100K and I will pay it back in 30 years. 
  • Sir, I need you to calm down we can simply not accept your offer. your credit score is just not good enough.  I'm am also going to have to ask you to leave. 
  • sir please leave. 
  • ma'am how is my credit score not good enough, it is really good. 
  • directly after....
  • good morning, i think we can do that for you, what do you know your credit score by chance? 
  • good morning, I'm here to get a loan. 
  • why yes we can do that. 
  • yes, its 626. do you think im going to be able to get 150k?
  • ma'am that is great but i have a question, why did you turn down teh gentleman before me when he had a better score than me?
  • i  mean that is our policy so yes that is true. 
  • well sir during our training, we were told that we can only give black people loans if they have exseptional scores and his wasnt good enough. 
  • so because of his race, you guys make it harder for them to  get a loan but because i am white, i can get a loan easier?
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