For much of the 20th century, it was a popular belief among many whites that the presence of blacks in a white neighborhood would bring down property values. The United States government created a policy to segregate the country which involved making low-interest mortgages available to families through the Federal Housing Administration (FHA) and the Veteran's Administration. Black families were legally entitled to these loans but were sometimes denied these loans because the planners behind this initiative labeled many black neighborhoods throughout the country as "in decline." The rules for loans did not say that "black families cannot get loans"; rather, they said people from "areas in decline" could not get loans