Jacksonville — Ch. 10 Fair Housing § 10-11
Discrimination in lending
Operative Text
It shall be an unlawful real estate practice and a violation of this chapter for any lending institution, in making, agreeing to make, arranging or negotiating any loan or guarantee of funds for the purpose of financing the purchase, sale, construction, lease, rehabilitation, improvement, renovation or repair of any real property, to offer, seek or agree to terms, conditions or privileges that discriminate between persons because of 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 such party, or of the residents of the area in which such real property is located.
Jacksonville's Ch. 10 Fair Housing § 10-11 prohibits lending institutions from offering, seeking, or agreeing to discriminatory terms when financing the purchase, construction, lease, rehabilitation, or repair of real property. The rule covers a broad set of protected characteristics, including race, color, religion, sex, age, marital status, physical or mental disability, ancestry, national origin, creed, and unfavorable military discharge. Discrimination based on the characteristics of the borrower's family members or the demographics of the neighborhood where the property is located is also prohibited under this provision.
Plain English — not legal advice.
Property owners and managers who work with lending institutions on financing arrangements should be aware that § 10-11 of Jacksonville's Fair Housing chapter applies to the terms and conditions of those transactions. Compliant operators generally ensure that any financing they arrange or negotiate does not involve terms that vary based on a borrower's protected characteristics or the demographic composition of the surrounding area. Maintaining consistent, documented lending criteria across all transactions is a practice commonly associated with compliance under this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Jacksonville Ch. 10 Fair Housing § 10-11, tenants and prospective buyers have the right to seek financing for housing without facing discriminatory terms based on characteristics such as race, sex, disability, age, or military discharge status. If a lending institution appears to be offering different terms based on any of the protected characteristics listed in § 10-11, affected individuals may consider filing a complaint with a local fair housing agency or the Jacksonville Human Rights Commission. Tenant-rights organizations and fair housing advocacy groups can also help individuals understand the range of options available when a potential violation of this provision is suspected.
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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