Including racist restrictions in home deeds was a requirement to get federal housing loans, which were used to develop many American suburbs.

“As a result of me being a homeowner … if I need to take money out, I can do that,” says Monique Coleman of West Virginia.

Higher mortgage rates could disproportionately hurt Black homebuyers.

But the recovery has been unequal. Black homeowners are at a higher risk of foreclosure when forbearance rules expire, one nonprofit says.

A Baltimore program helps Black women build wealth through homeownership.

And that’s one reason for the persistent homeownership gap.

The National Association of Real Estate Brokers, a black trade group, is on a mission to add 2 million new black homeowners nationally in five years.