“Vestiges of segregation”: US homeowners fight deeds that exclude buyers based on race

AChafukira • January 12, 2021

When Rachel Rintelmann closed on her Washington-area home a few years ago, something caught her eye: a paragraph in her deed had been crossed out with a quick X, written in pen.

It restricted who could “use or occupy” the house, allowing “no person of any race other [than] the Caucasian race”.

“I chuckled because it felt so satisfying that I was buying this house that I wasn’t supposed to be buying,” Rintelmann, who is biracial, said by phone from her 1940s-era home in a Maryland community called Indian Springs.

 

 

Such clauses, known as restrictive covenants, have been unenforceable since 1948 and illegal since 1968. But there has never been a process mandated to systematically remove the offending language from property ownership documents.

That is starting to change, with several states passing new laws that make it easier for homeowners to redact restrictive covenants – but only if homeowners like Rintelmann, 37, take the initiative.

Through hours of research, she was able to identify at least 400 homes in her neighbourhood covered by restrictive covenants and assumes there are many more.

She and a few dozen neighbours were the first in their county to take advantage of a new Maryland law that removes filing fees and eases paperwork associated with redacting covenants.

Virginia, Florida and Washington state have also recently passed similar legislation, said Renee Williams, a senior staff attorney with the National Housing Law Project, a non-profit.

“There’s more cognisance of some vestiges of segregation in a way there hasn’t been before – and a need to remove those vestiges,” she told the Thomson Reuters Foundation.

Restrictive covenants and other restrictions “in large part” resulted in today’s lower levels of Black homeownership, said the National Association of Realtors, citing 2017 government data on white homeownership of nearly 73 per cent versus just 42 per cent among Black people.

Restrictive covenants, which most often excluded potential homeowners by race but also addressed religion, nationality and other factors, were very common during the first half of the 20th century, said Susan D Bennett, a law professor at American University in Washington.

“These things are everywhere, all across the country,” she said, noting they are a key root of the  wealth gap  that exists between white and Black Americans today.

But attention to the esoteric issue is rising, said Bennett, who is leading a pilot project in Maryland to help homeowners remove restrictive covenants.

“There’s been a gradual pickup over the last two to three years. And, of course, the Black Lives Matters movement this spring was responsible for an uptick in interest.”

While there is no national data on restrictive covenants,  research  at the city level has offered insight on their pervasiveness and long-term effects, according to the Mapping Prejudice project at the University of Minnesota.

 

In Washington, much of that work has to be done by hand, one document at a time, said Mara Cherkasky, a historian with historical research firm Prologue DC who co-founded the  Mapping Segregation  in Washington DC project in 2014.

“It’s very slow,” she said, estimating she has looked at more than 100,000 deeds. “That’s why we haven’t finished.”

But the results so far have been instructive, she said. Of the city’s 146,000 total lots, they’ve found restrictive covenants on more than 20,000, mostly against African Americans.

“This is the foundation of the American real estate industry and property ownership and how cities developed,” said Sarah Shoenfeld, Cherkasky’s colleague and project co-founder.

The impact has been profound and long-lasting, she added. “These were very specific mechanisms by which the city became racially segregated and stripped wealth from Black people,” Shoenfeld said.

That view is backed by the real estate industry, with the National Association of Realtors acknowledging the industry was “complicit” in such restrictions during the first decades of the 20th century.

At the time, the presence of Black families in white neighborhoods “was generally believed to have detrimental effects on property values and social order”, the association noted in a 2018  article.

For many communities, finding restrictive language in deeds can be enraging, said Maryland delegate Catherine M Forbes, the lawmaker who sponsored the state’s new law to help homeowners remove restrictive covenants.

The impetus behind the law came entirely from constituents, Forbes said in a phone interview. “They really wanted their deeds to reflect the community in which they lived and their own personal values,” she said.

The issue took on greater momentum last summer.

“Black Lives Matter happened, and there was an explosion of focus on the consequences of race as a systemic problem in our country,” recalled Tracey Broderick, a white homeowner in Silver Spring, Maryland, who had no covenant on her home.

The new national focus on race and injustice helped spur greater local interest in the covenants, she said.

Yet, in line with the US debate over other vestiges of past structural racism, like Confederate monuments, not everyone sees the benefit of simply removing restrictive covenants. Find out at the link if you can trust the online casinos of Mr. Bet to players in 2022. The site has only detailed and honest reviews, step-by-step instructions on how to make money at the casino on games and betting. Mr Bet is a new level of casino in the world of gambling.

“I am in favour of such a movement if it is conducted by groups that are going to take concrete steps to actually desegregate the neighborhoods from which these deeds excluded African Americans,” said Richard Rothstein, a fellow at the Economic Policy Institute.

“I am not in favour of movements to erase evidence of segregation from view, without any corresponding effort to undo its consequences, so that future generations will not have to be reminded of unpleasant realities,” he said in emailed comments.

Rintelmann noted that the discussions around restrictive covenants turned into a “community-building experience” that included neighborhood chili cookouts and informational booths to build awareness.

Broderick’s neighbours are now working with a small team led by Bennett, the law professor, to map their findings and create a toolkit so homeowners elsewhere do not need a lawyer to redact restrictive covenants.

That work has also prompted ideas for post-pandemic walking neighbourhood tours, homework assignments at the local school and even a public marker.

And they are using the issue as a springboard to look at other forms of racial injustice.

“We want to look at racial profiling [and] seeing how we can use this history of covenants to look at how settlement patterns have developed,” Broderick said.

“Of course, we all feel these [covenants] are offensive – but what do we do now?”


March 19, 2025
The National Building Black Wealth Day Follows The Resounding Success of Our Mid-Winter Conference In February, Where We Equipped Our Community With the Tools, Strategies, and Insights Needed to Thrive In an Evolving Industry. ST. LOUIS, MO— The National Association of Real Estate Brokers (NAREB) will present its second annual National Building Black Wealth Day on April 12, 2025, with live events in more than 100 cities across the country. Seminars and one-on-one sessions will empower communities with steps towards homeownership, property investment, starting a business, and other wealth-building opportunities. An internet feed will make virtual sessions accessible to a national audience. To register for the in-person events in 100 cities, please go to XXXXX. To register for the virtual sessions on Zoom, click HERE. Act quickly as the virtual sessions have limited spots available. We also encourage you to share this opportunity with your networks to help us reach more Black consumers. Key partners in the tour, include the African American Mayors Association, Inc., Alpha Phi Alpha Fraternity, Inc., Church of God in Christ, Inc., the National Baptist Convention, Delta Sigma Theta Sorority, Inc., National Bar Association, Phi Beta Sigma Fraternity, Inc. and Zeta Phi Beta Sorority, Inc. “Participation by our partners underscores their commitment to empowerment and economic development in our communities,” said Dr. Courtney Johnson Rose. “The Building Black Wealth Tour is expanding for 2025. We are bringing together families, lenders, attorneys, and real estate professionals to discuss and implement strategies for increasing Black homeownership and building wealth within Black communities.” Rose noted that NAREB’s 2024 State of Housing in Black America report found that more than two million mortgage-ready Black Americans have the income and credit to buy a home but have not yet become homeowners. In addition, 1.75 million Black millennials make over $100k annually and are poised to be homeowners. Further, Freddie Mac tracks the number of “mortgage-ready” renters nationwide , meaning they can meet certain income and credit requirements to qualify for a mortgage. Their researchers determined that as of January 2021, two million Blacks ages 45 or younger are near mortgage-ready, while another 3.4 million are potentially mortgage-ready. “Our tour aims to reach these Black consumers,” said Dr. Rose. “We are providing them with data and information on why they should be homeowners. We explain the many benefits of homeownership, such as building wealth, stable communities and building equity for retirements, college educations for their children, starting a business or more.” On National Building Black Wealth Day, hundreds of families and individuals will be armed with the information needed to make wealth-building decisions. Among the opportunities/Workshops are: What to do with Big Momma's House? ABCs of Homebuying Real Estate Investing Down Payment Assistance Explore Careers in Real Estate Free Career Fair Free Health Screenings One On Ones with Real Estate Attorneys One On Ones with Housing Counselors The Black Wealth Day comes after NAREB’s successful Mid-Winter Conference in Ft. Lauderdale, Florida, last month. This year’s conference, themed "Navigating New Horizons," empowered real estate professionals with the tools, strategies, and insights needed to thrive in an evolving industry. Speakers included Dr. Egypt Sherrod , Host and Executive Producer of HGTV’s Married to Real Estate; Catrese Fields Alston, Philanthropist and CEO of Le-Bleu Diamond Corporation; Hill Harper , Award-Winning Actor and Activist and Laura Escobar , President of Lennar Mortgage and 2025 Chair of the Mortgage Bankers Association (MBA). “Our Mid-Winter Conference helped NAREB Realtists® prepare for the shifting landscape of the real estate industry,” said Dr. Rose . “Realtists are on the front lines, working with families to secure homeownership and build generational wealth. In today’s challenging market, our members are more valuable than ever, and this conference ensured they have the knowledge and support to make a lasting impact in Black communities.” ABOUT THE NATIONAL ASSOCIATION OF REAL ESTATE BROKERS NAREB was formed in 1947 to secure equal housing opportunities regardless of race, creed, or color. NAREB has advocated for legislation and supported or instigated legal challenges that ensure fair housing, sustainable homeownership, and access to credit for Black Americans. Simultaneously, NAREB advocates for and promotes access to business opportunities for Black real estate professionals in each real estate discipline. From the past to the present, NAREB remains an association that is proud of its history, dedicated to its chosen struggle, and unrelenting in its pursuit of the REALTIST®’s mission/vision embedded goal, “Democracy in Housing.”
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