A Black woman has claimed she was able to get her house appraised for over $100,000 because she "hid her identity"...
And had a white friend sit in during the appraisal instead.
Is this really still happening in 2021?
Because as we all know, racism has long been a terrible problem here in the United States...
And although the Black Lives Matter movement is more prominent and stronger than ever, things still need to change.
A person of color shouldn't be treated any differently than anyone else...
But sadly, Carlette Duffy's story proves this isn't at all the case.
Duffy, who lives near downtown Indianapolis, wanted to take advantage of the housing boom last year to refinance her home and buy her grandparents' house nearby.
But when she got her house appraised - twice - she couldn't believe it was evaluated for pretty much the same amount of money as when she bought it in 2017.
She first purchased the house for $100,000...
And even though it was completely renovated after a fire, her valuations came back at $125,000 and $110,000, leaving her with very little equity.
"When I challenged it, it came back that the appraiser said they're not changing it," she said to Bored Panda.
But when Duffy heard Fair Housing Center of Central Indiana (FHCCI) Executive Director Amy Nelson spoke to a community group about racism in home appraisals, she read up on the issue and decided to find out if racism was the main reason for her low appraisals too.
So for her third house appraisal, Duffy removed all evidence from her home that she was Black.
She put away family photos, didn't specify her race on the new appraisal forms, and she even got a friend - who's a white man - to sit in her house during the next appointment.
And just guess what happened...
Her house was valued completely differently!
And people are gob-smacked, to say the least.
This is America. People keep saying they don’t see systemic racism, it’s all over the place just open your eyes.— Lynn Price (@ronnielynnprice) May 7, 2021
This is criminal economic racism— 🔥MyBodyMySelfDetermination🔥 (@blackirishscorp) May 7, 2021
Whenever I say racism exists in all of us. I get very strong reactions. Read this statement again without projecting into my words. It’s just fact.— Guilaine Kinouani (@KGuilaine) May 10, 2021
It’s happening everywhere and it needs to be seriously addressed! Especially in gentrified neighborhoods😏— cincygirlstyle (@The1HeLetGetAwy) May 7, 2021
This doesn’t make much sense to me as a mortgage professional. I KNOW systematic racism exsists but generally we want to approve everyone. I mean, it’s more money to collect interest on or loans to package and sell to investors. The bad appraisals we typically run across are high— APC (@myboybleu) May 5, 2021
That’s how deep racism is. They will destroy themselves to hurt us and uphold the system. It’s ugly, it’s deep, it’s insidious and Black people continue to suffer under it. We are TIRED!!!— Gina Montana💰✨🇬🇭 (@GLDCoastGoddess) May 6, 2021
And yet, as anti-black racism persists unabated in the institutional practices of policing, employment, and housing, black elected officials in both political parties have the temerity to claim that ‘America is not a racist country.’— Larry Patterson 🇺🇸 (@LarryInNova) May 6, 2021
Appraisals are a joke anyway. They’re completely subjective and often bs. I’m sad this happened but not surprised.— The Weasel's Den (@TheWeaselsDen) May 5, 2021
Back in 1996 when we sold our first house our Black realtor told us to remove everything Black and never let prospective buyers see us so as to get a fair price. Have done this every time. Another sad example of what We been knew!!!— Gypsiqueen 💛🐝 (@gypsiqueen012) May 7, 2021
Not surprised. I've sold three houses and each time, realtor or agent suggested the same - remove all indications that the owner is black - a black home won't sell to a white family. Interesting phenom!— Just Teena (@tenala) May 7, 2021
"I took down every photo of my family from my house," Duffy explained, "I took every piece of ethnic artwork out."
This appraisal came back double the first 2 - the value of her house increased by over $100,000.
Duffy also noticed that the comparable homes the appraisal companies used to determine the value of her house changed with the third appraisal.
The first 2 used houses in historically Black neighborhoods that were over a mile away and the third used houses nearby that were similar to hers.
She used the third appraisal to get a loan and bought her grandparents' house.
But she wasn't quite finished there!
Duffy has filed complaints with the Department of Housing and Urban Development (HUD) with help from the FHCCI, alleging discrimination.
"I'm doing this for my daughter and I'm doing this for my granddaughter so that when they come against obstacles they will know that you can stand up, you can say that this is not right."
Home appraisers are bound by the Fair Housing Act of 1968 to not discriminate against people based on their race, religion, national origin, or gender.
Appraisers can even lose their license or face prison time if they do.
Do you think this was a clear act of racism?
For more stories on the issue, scroll on...