Feb 22, 2020
The NTCC Collective convened on Saturday Feb 22 to discuss the state of housing in north Tulsa with representatives from the Tulsa Health Department, Tulsa Housing Authority, Dunbar Neighborhood Association, and City of Tulsa. Moderated by the Tulsa Health Department's COO Reggie Ivey, the panelists engaged with over 40 community members and partners.
1. Homeownership is an important wealth-building source and a foundation for economic stability. What are some reasons for this?
2. What is Mixed-Income Living? And what are the anticipated and realized benefits for Low-Income Households with these types of housing strategies?
3. The recent collapse of the housing market and subsequent recession has been particularly devastating to communities of color. Not only has our homeownership rate plummeted, but, accessing mortgage credit has become nearly impossible outside of government insured programs such as the FHA and VA (State of Housing in Black America (SHIBA, n.d.). The gap in homeownership rates between Blacks and non-Hispanic Whites is larger now than it was in 1934, the year of the enactment of FHA (Federal Housing Administration) and the start of modern housing finance system (SHIBA, 2019).
a. What is your organization doing to combat this and build capacity in residents?
4. Ensuring fair housing and fair lending compliance is imperative not only to address the racial wealth and homeownership gap. Ample evidence suggests that structural barriers impede housing and credit access, and direct discrimination infringes on people’s ability to access housing opportunities (McCargo, Choi & Golding, 2019).
a. What initiatives has your organization deployed to address fair housing in north Tulsa?
5. The quality of housing can contribute to general well-being or cause poor health. Exposure to poor indoor air quality, mold, lead, and rodent and cockroach infestations can lead to asthma and other respiratory illnesses, lead poisoning, learning and behavioral problems, and other serious health issues (De Leon & Schilling, 2017). The Urban Institute reports that the term “urban blight” includes three factors:
i. Substandard housing
ii. Abandoned buildings
iii. Vacant lots (De Leon & Schilling, 2017).
a. In north Tulsa, what initiatives/programs/projects do you have that will address any of these factors specifically?
6. Eminent domain. Eminent domain is the power the United States government, states, and municipalities to take private property for public use, following the payment of just compensation.
a. How has this practice impacted vulnerable populations in Tulsa?
7. Gentrification. Gentrification is a process of changing the character of a neighborhood through the influx of more affluent residents and businesses.
a. How has this practice impacted communities of color?
8. What can Tulsans do to support your organizational efforts?
Brenda Richardson (2019) “Five Key Facts That Underscore The Alarming Crisis In Black Homeownership” https://www.forbes.com/sites/brendarichardson/2019/08/11/five-key-facts-that-underscore-the-alarming-crisis-in-black-homeownership/#2bb2758868d5
Alanna McCargo, Jung Hyun Choi, and Edward Golding “Building Black Homeownership Bridges: A Five-Point Framework for Reducing the Racial Homeownership Gap” https://www.urban.org/sites/default/files/publication/100204/building_black_ownership_bridges_1.pdf
National Association of Real Estate Brokers. State of Housing in Black America (SHIBA). (2019) (n.d.) http://www.nareb.com/shiba-report/
De Leon, E. & Schilling, J. (2017). Urban Institute. Retrieved from https://www.urban.org/sites/default/files/publication/89491/2017.04.03_urban_blight_and_public_health_vprn_report_finalized.pdf