For much of the 20th century, it was a popular belief among many whites that the presence of blacks in white neighborhoods would bring down property values. The United States government began 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 they were sometimes denied these loans because the planners who were behind this initiative labeled many black neighborhoods throughout the country as being "in decline". The rules for loans did not say that "black families cannot get loans"; rather, they said that people who were from "areas in decline" could not get loans. While a case could be made that the wording did not appear to compel segregation, it tended to have that effect. In fact, this administration was formed as part of the New Deal for all Americans but it mostly affected black residents of inner city areas; most black families did in fact live in the inner city areas of large cities and they almost entirely occupied these areas after the end of World War II when whites began to move to new suburbs.