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In the 1930s-40s the Federal government set up the FHA (Federal Housing Administration) program. This made home ownership affordable for millions of average Americans. However, property values and eligibility for loans were tied to race, so blacks got almost none of the loans.
Fixed-Rate Loan Option at account opening: You may convert a withdrawal from your home equity line of credit (HELOC) account into a Fixed-Rate Loan Option, resulting in fixed monthly payments at a fixed interest rate. The minimum HELOC amount that can be converted at account opening into a Fixed-Rate Loan Option is $15,000 and the maximum.
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