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blockbusting (to white HO) [focus seller to get listing]
Blockbusting was a business practice of U.S. real estate agents and building developers

meant to encourage white property owners to sell their houses at a loss, by fraudulently

implying that racial, ethnic, or religious minorities — Blacks, Hispanics, Jews et al. —

were moving into their previously racially segregated neighborhood, thus depressing real

estate property values.[1]

blockbusting
vs
racial steering [focus buyer not to buy that neighborhood]

Racial steering refers to the practice in which real estate brokers guide prospective home

buyers towards or away from certain neighborhoods based on their race. Racial steering as

defined by the Yale Law Journal is often divided into two broad classes of conduct;

Advising customers to purchase homes in particular neighborhoods on the basis of race
Failing, on the basis of race, to show, or to inform buyers of homes that meet their

specifications[1]

**************
hud 1 statement = closing statement
CLOSING STATEMENT - (HUD-1 STATEMENT)The financial disclosure statement prepared by the

escrow holder (attorney, broker, escrow company, or lender) that accounts for all of the

funds received and expected at closing, including deposits for taxes, hazard insurance and

mortgage insurance.

escrow == dept of coporation

what is loan to value?
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