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Present day winchester. in other words, freddie gray s neighborhood. yellow means the area will likely be infiltrated from an unpopular area. marking the black areas in red, known as red lining. the federal loan guarantees made it more affordable for certain families usually white families to own homes. the neighborhoods where our banks wouldn t lend and where black families were forced to live. most of the weight of middle class families in this country is the direct result of home ownership. and that wealth, or the lack of it passes from generation to generation. and so denying african-americans the ability to buy homes in the 1930s, while making it easier for whites to do so affected children, grand guerin and great grandchildren. ....