Jacksonville — Ch. 10 Fair Housing § 10-12
Refusals to deal in lending
Operative Text
It shall be an unlawful real estate practice and a violation of this chapter for any lending institution to refuse to negotiate for, enter into or perform any agreement to lend or guarantee the loan of funds for the purchase, sale, construction, lease, rehabilitation, improvement, renovation or repair of any real property because of the race, color, creed, ancestry, national origin, religion, sex, age, marital status, physical or mental disability or unfavorable discharge from military service of any party to such agreement or of any member of the family of any such party, or of the residents of the area in which such real property is located.
Jacksonville Ch. 10 Fair Housing § 10-12 prohibits lending institutions from refusing to negotiate or enter into loan agreements for real property transactions based on protected characteristics of the borrower, their family members, or the residents of the neighborhood where the property sits. Covered characteristics include race, color, creed, ancestry, national origin, religion, sex, age, marital status, disability, and military discharge status. The rule applies across a wide range of property-related financing, from purchase and construction loans to rehabilitation and repair financing.
Plain English — not legal advice.
Under Jacksonville Ch. 10 Fair Housing § 10-12, property owners who work with or refer clients to lending institutions should be aware that those lenders are prohibited from declining to negotiate or complete loan agreements on the basis of any borrower's protected characteristics or the demographic makeup of the surrounding neighborhood. Compliant operators generally document that financing decisions are made on neutral, non-discriminatory criteria. Awareness of this provision can help property managers recognize and avoid facilitating arrangements that may run afoul of Jacksonville's fair housing framework.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Jacksonville Ch. 10 Fair Housing § 10-12 gives prospective borrowers the right to be free from discriminatory refusals to negotiate or complete real estate loan agreements based on protected characteristics such as race, disability, age, or military discharge status. If a lender declines to engage on financing for a property purchase, repair, or renovation and the refusal appears tied to a protected characteristic, that conduct may constitute a violation of this chapter. Tenants and prospective buyers can explore options such as filing a complaint with Jacksonville's fair housing enforcement office, contacting a local tenant-rights or fair-housing organization, or consulting an attorney familiar with fair housing law.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated November 9, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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