Loan officers were clearly aware that they were exploiting their customers, in some cases referring to blacks as "mud people" and to subprime lending as "ghetto loans". The neutrality of this section is disputed. Your Practice. A majority of the loans were refinance transactions allowing homeowners to take cash out of their appreciating property or pay off credit card and other debt. In order to improve your credit score and overall credit report, you need to prove to ALL of your lenders that you are a "low risk". Instances of mortgage discrimination occurred in United States inner city neighborhoods from the s and there is evidence that the practice continues to a degree in the United States today. Lending institutions have been shown to treat black and Latino mortgage applicants differently when buying homes in white neighborhoods than when buying homes in black neighborhoods. The analysis projected that the racial wealth gap will be significantly greater in the next generation because of the differential impact of the Great Recession.
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The Electromagnetic Spectrum The electromagnetic EM spectrum is the range of all types of electromagnetic radiation. V Science 1, views. Volume of Vortices. This is termed thermography, mainly used in military and industrial applications. Different wavelengths or bands of microwaves are used for different applications. FM radio frequencies fall between 88 megahertz and megahertz, according to How Stuff Works. All antennas are shaped as vortices that are located exactly on the EM spectrum line, thus exactly on the electromagnetic spectrum. The microwave portion of the electromagnetic spectrum can be subdivided into three ranges listed below from high to low frequencies: extremely high frequency 30 to GHzsuper high frequency 3 to 30 GHzand ultra-high frequency MHz to 3 GHz.
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