(TNS)—Q: I am having trouble getting approved to buy a condo due to my lack of credit. I do not use a credit card and have more than enough money saved up to purchase my new home without a mortgage. Because I have no debt, my credit score is low and I am being denied approval by the association. What can I do? — Rose

A: Many community associations have the right to screen prospective buyers. While an association may not discriminate, it can look at income, credit score and other objective factors.

The U.S. Department of Housing and Urban Development (HUD) this year took bold action in pursuit of the agency’s mission to create strong, sustainable, inclusive communities and quality affordable homes. These actions aligned with key Biden-Harris Administration priorities including ensuring equity, removing barriers to homeownership, expanding the nation’s housing supply and keeping Americans housed.

Below are highlights of some of the agency’s actions from 2021:

The California Association of REALTORS® (C.A.R) recently announced it has named John Sebree as its next chief executive officer. Sebree currently serves as CEO for Missouri REALTORS®. He was selected by C.A.R.’s leadership team after an extensive nationwide search. Sebree succeeds Joel Singer, who announced his retirement earlier this year after 43 years of service at C.A.R., including 32 years as CEO.