ENGAGEMENT – Rhema will engage the public through education. Rhema will create, host, sponsor, or facilitate seminars, town halls, webinars, or lobby to spread the first hand knowledge they have about the American Foreclosure Conspiracy!

POINT OF FOCUS/ATTACK: BUT NOT LIMITED TO**

LOBBYING, challenging the fraudulent paperwork in Unlawful detainer courts, protesting against, picketing or Freedom of Information Requests to the Banking, Housing, Credit Rating Agency, federal reserve, Federal Government, Wall-Street, regulators, Office of the COMPTROLLER of Currency, U.S county recorder offices, and Mortgage industries to fix this problem they helped create.

Whether it is mortgage, financial, or lending fraud, as well as illegal foreclosure, WE BELIEVE that one of the major Crux’s to fix the American Foreclosure Conspiracy is to Take the approach that former SUPREME COURT JUSTICE Thurgood Marshall’s took to DESTROY segregation and Jim Crow Laws in the South. What does this look like? This means LAWMEN and WOMEN travel all around the United States to courts to challenge the FRADULENT paperwork and incorrect PRECEDENT that plagues Unlawful Detainer Courts, and County Recorders offices throughout the U.S.

RACISM is the elephant in the room that we as U.S homeowners cannot ignore when it comes to mortgage fraud and illegal foreclosures in the United States.

We are no longer staying silent about the fact ‘‘that race – not home value or household income – consistently determine lending patterns”

Lower income African Americans receive 2.4 times as many subprime loans than lower income whites, while upper income African-Americans receive 3 times more than do whites with comparable incomes. Compared to whites, lower income Hispanics receive 1.4 times the number of subprime loans. In every metropolitan area included in the study, high concentrations of racial disparities in subprime lending were found among African-Americans and Hispanics. (CCC, 2002, pp. vii–viii)

Contemporary forms of racial discrimination commonly manifest as institutionalized, economic, or class discrimination. In modern society, inequality can no longer be assessed by racial factors alone, but must be inclusive of social conditions that allow for the reproduction of stereotypes and prejudices.

Due to cumulative disadvantage, mortgage underwriting models that rely on traditional measures of credit reputation, capacity, and collateral value are a function of racism and discrimination, and as such, have a negative and disparate impact on Black and Latinx consumers.

Foreclosures are on the rise in many of the nation’s most vulnerable neighborhoods, particularly those with substantial concentrations of minority households.

PHILANTHROPY