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A rainbow of resources

Gay parents, families find growing support network

Published

15 years ago

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Family activist Ellen Kahn with her two daughters. (Blade file photo by Michael Key)

Today we know there is not just one way to see family.

Instead, we see many different forms and fashions of family, not captured by one cookie-cutter model.

Ellen Kahn, a lesbian, understands full well what it means to choose parenting. She studied families as a profession after all, in her career as a social worker. She directs the Family Project at Human Rights Campaign, so it is her personal project as an advocate and educator. But also she brings her passion for family building home to Silver Spring, where she lives with her partner of 22 years. They were married in D.C. last year and have two daughters ages 8 and 11.

As she spoke of the so-called “gayby boom,” she stopped to say that today parenting has become “a commonplace choice” for LGBT people, and that “there are various paths” to get there. “Now,” she says, gays “can see yourself with kids, if you want.”

As a barometer for the continuing boom in LGBT parenting, she says to look at “Mayby Baby,” the eight-week class for LGBT prospective parents, single or partnered, who are “maybe, just maybe,” she says, “considering parenthood and interested in learning more about the options for building a family.”

This “gayby-boom” and attendance at the “Maybe Baby” classes — offered by Rainbow Families, a D.C. area group (Kahn is its board chair) — according to her “began to spike in about 2006,” at first more so among women, “but now there’s a steady increase among men also.”

Family planning, she says, is really what it’s all about. And increasingly, it also includes a choice to become a temporary parent, through foster care, as well as a permanent parent, whether through maternal surrogacy or sperm donors or regular adoption.

Whether it’s becoming a foster parent, or taking the step to adopt a child already in foster care, Kahn says that “in general in our community more and more folks are saying ‘I need to get educated’ about foster care and adopting kids from foster care,” and that such decisions often include “waiting a little longer for younger kids, or on the other hand, when they don’t see themselves as changing diapers,” to decide instead to become a foster parent or adoptive parent to someone older, even like the self-identified LGBT teenagers that Kenya Grant-Murphy places in foster care but ideally wants to see in permanent homes.

“The push has come for us to place LGBTQ self-identified children,” says social worker Grant-Murphy, referring to the new contract, which went into effect Feb. 1, between the District of Columbia’s Child and Family Services agency and KidsPeace, where she has worked for nearly two years as a family resource specialist.

Founded in 1882, KidsPeace, which is a private charity with services in nine states including D.C., Maryland and Virginia, sees this challenge as a priority, including “Q” — for questioning — in its categories of sexual orientation, especially as they apply to youth. For KidsPeace, says Grant-Murphy, the philosophy is one that brings “a unified, comprehensive approach to treatment” of troubled and at-risk kids.

“We look at this as a case-by-case scenario,” she says, “where the goal is permanency for the child,” whether that comes in the form of the child’s return to its biological family, adoption or guardianship, but it can also include a transitional approach to help a child, to meet an immediate need that’s temporary in nature, in foster care placements that she says “can be as short as a week, in an emergency situation, but ideally not longer than 18-24 months.”

Under the new KidsPeace contract with the D.C. government, “we have to have a certain number of homes available for LGBTQ kids,” she says, “because if we get such a referral, we want to be able to place that individual right away.” Currently she has four homes she calls “affirming” for such kids, each one housing an LGBT young person, two of them clearly “out,” a 16-year male and a 17-year-old female. The other two have not disclosed their orientation yet, she says, “but there are behaviors” that suggest such a same-sex orientation.

KidsPeace is seeking more foster homes in the D.C. metro area — as well as people willing to adopt or become a guardian — who are willing to take on the special challenges of housing such kids. But she points out that to become a foster parent is necessarily “an intrusive process,” for any foster parents, who can be either a single parent or a two-parent household, and she declares emphatically that, “we don’t discriminate.”

Foster parents must become licensed through a process that begins with an application and is followed by a background check with documentation, evaluation of references, training and interviews and home study. Each foster parent is eligible to receive a monthly stipend, the amount for which is determined by whether the placement is what Grant-Murphy terms “either more traditional or more therapeutic.”

Families take many forms. Sometimes it’s one of the parents who comes out as LGBT, not the child. Sometimes it turns out to be both. Just ask Alison Delpercio, who works with Kahn at HRC’s Family Project by day. But in her spare time, this 26-year-old has a special mission — to reach out to those young people trying to “navigate,” as she calls it, the choppy waters of adolescence while facing the added challenge of learning that a parent is gay.

She knows the feeling. When she was 15, her father told her that he is gay, and she admits today that, “my initial reaction was one of fear, because I didn’t know what this meant for my family.”

“My feelings were, ‘What does this mean for my family and what will change,’ and also ‘How can I support my dad through this?'” Today, she says, “I wish I’d had something like COLAGE when I was younger going through this, because then I felt like I was the only person in the world who had a gay dad, until I met with other families just like mine, and that was amazing.”

Based in San Francisco but with a local chapter in D.C., COLAGE — Children of Lesbians and Gays — is a national movement, she says, of young people and adults with one or more LGBT parents. Delpercio joined the local chapter in early 2009 and began to “co-facilitate a monthly youth group for middle-schoolers,” kids in sixth through eighth grades, “who have one or more LGBTQ parents, to help them lose their feelings of isolation, and so they can learn from each other.”

Delpercio, who came out herself as lesbian when she was 20, says she is proud of how her own family toughed it out when her father disclosed that he was gay five years earlier, because she says that “it was a struggle but we have come out stronger.” For one thing, she says her mother has been “supportive” of both her ex-husband and her daughter. Her mother is straight, Delpercio says, but she is an “active ally to the LGBTQ community.”

More information is available at [email protected].

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Autos

Revving up the holidays with auto-themed gifts

Lamps, mugs, headphones, and more for everyone on your list

Published

5 days ago

on

November 23, 2025

By

Here’s how to shift your holidays into high gear.

Bentley Bottle Stopper

Pop your cork—in a good way—with a Bentley bottle stopper ($106), made of zinc alloy with chrome plating and rubber rings. The classy design is inspired by the automaker’s iconic “Flying B” mascot from 1930. 

Subaru Motorsports Counter Stool

Belly up to the bar with the Subaru Motorsports Counter Stool ($175). The 30-inch-tall metal chair—with padded vinyl cover and automaker logo—is lightweight and swivels 360 degrees. 

BMW Luxe Luggage 

You won’t have trouble spotting this chic khaki-green BMW M Boardcase ($307) at airport baggage carousels. The high-performance “M” logo is etched on the durable polycarbonate casing, as well as on the main compartment zipper and all four of the sturdy double wheels. Comes with recycled lining, along with laundry and shoe bags. 

Ford Yoga Gym Bag

The Ford Yoga Gym Bag ($15) has a wide handle and button strap to securely carry a yoga mat, as well as convenient pockets to stow water bottles and shoes. Made of black polyester, with reflective silver Ford logo. (Yoga mat not included.)

Kia Mini Lamp with Speaker/Sound

It doesn’t get much more Zen than a Kia Mini Lamp with Speaker and Sound Machine ($50). Made of bamboo, sturdy plastic and a fabric grill, the tiny wireless lamp has LED lighting with three settings. Pair with your phone to choose from eight soothing sounds: brook noise, bird chirp, forest bird, white bird, ocean wave, rainy day, wind and fireside.  

Lexus Green Pro Set

Practice makes perfect with the Lexus Green Pro Set ($257), a putting mat with “train-track markings” to help improve any golfer’s alignment. Lexus logo on the wood frame with automatic ball return. 

Lamborghini Wireless Headphones

Turn on, tune in, drop out—well, at least at the end of a hectic day—with these Lamborghini Wireless MW75 Headphones by Master & Dynamic ($901). Batteries last up to 32 hours or up to 28 hours in active noise-canceling mode. 

BMW Quatro Slim Travel Tumbler

The BMW Quatro Slim Travel Tumbler ($23) lives up to its name: sleek, smooth and scratch-resistant. Comes with leak-proof lid and non-spill design. 

Ford Vintage Mustang Ceramic Mug

Giddy-up each morning with the Ford Vintage Mustang Ceramic Mug ($29). With cool blue stripes, the 14-ounce mug features a silver handle and iconic pony emblem. 

My First Lamborghini by Clementoni

Proving it’s never too early to drive an exotic car, My First Lamborghini by Clementoni ($62) is for children ages two- to four-years old. Kids can activate the remote-control car by pressing the button on the roof or by using the remote. This Lambo certainly is less expensive than an entry-level Huracan, which starts at $250,000.  

Rolls-Royce Cameo 

For adults looking for their own pint-sized luxury ride, there’s the Rolls-Royce Cameo ($5,500). Touted as a piece of art rather than a toy, this miniature collectible is made from the same solid oak and polished aluminum used in a real Rolls. As with those cars, this one even has self-leveling wheel-center caps (which operate independently of the hubcaps so that the RR logo is always in the upright position). 

Maserati Notebook

For those of us who still love the art of writing, the Maserati MC20 Sketch Note ($11) is an elegant notebook with 48 sheets of high-quality paper. The front and back covers feature stylish sketches of the interior of a Maserati MC20 supercar and the Maserati logo. Comes with saddle-stitched binding using black thread. 

Dodge Demon Dog Collar

If your pooch is more Fluffy-kins and less the guard dog you sometimes need it to be, then there’s the Dodge Demon Seatbelt Buckle Dog Collar ($30). Made of steel and high-density polyester with a tiny seatbelt-buckle clasp, the collar is emblazoned with devilish Dodge Demon logos. 

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Real Estate

In real estate, it’s déjà vu all over again

1970s and ‘80s volatility led to creative financing options

Published

5 days ago

on

November 23, 2025

By

In the 1970s and ‘80s, sellers used creative mortgage options to entice buyers. Some of those trends are appearing again now.

In the 1970s and 1980s, mortgage interest rates climbed into the double digits and peaked above 18%. With rates like that, you needed more than a steady job and a down payment to buy a home — you needed creative financing ideas. 

Today’s market challenges may look different, but the response has been surprisingly familiar: unusual financing methods are making a comeback, along with some new ones that didn’t exist decades ago. Here is a brief overview of the most popular tools from that era. 

Assumable Mortgages were available with FHA, VA, and USDA loans and, until 1982, even Conventional mortgages. They allowed a buyer to take over the seller’s existing mortgage, including its interest rate, rather than getting a brand-new loan, while compensating the seller for the difference between the assumed loan balance and the contract price.

Often, a seller played a substantial role in a purchase. With Seller Financing (Owner Carry) the seller became the bank, letting the buyer make payments directly to them instead of to a traditional lender.

One variation on Seller Financing was the Land Contract. The seller was still the lender, but the buyer made loan payments to the seller, who then paid his own mortgage and pocketed the difference. The buyer would receive equitable title (the right to use and occupy the property), while the seller kept the title or deed until the contract was paid off or the property sold.

With Wraparound Mortgages, the seller created a new, larger loan for the buyer that “wrapped” around the existing mortgage at an agreed-upon rate. The buyer would then pay the seller, who would continue making mortgage payments on the existing balance, collecting payments and pocketing the spread. Whether title conveyed to the buyer or remained with the seller was negotiated between the parties. 

Unlike an assumption, when buying a home Subject To an existing mortgage, the buyer took title to the property and agreed to pay the seller’s mortgage directly to the lender plus any equity to the seller; the mortgage stayed in the seller’s name. Now, most mortgages have a Due on Sale clause that prohibits this kind of transaction without the expressed consent of the lender. 

Rent-to-Own was also a popular way to get into a home. While a potential buyer rented a property, the seller would offer an option to purchase for a set amount to be exercised at a later date (lease option) or allow a portion of the rent collected to be considered as a downpayment once accrued (lease purchase).

Graduated Payment Mortgage (GPM) loans were authorized by the banking industry in the mid-1970s and Adjustable Rate Mortgages (ARM) surfaced in the early 1980s. Both featured low initial payments that gradually increased over time. 

With the GPM, although lower than market to start, the interest rate was fixed and payment increases were scheduled. A buyer could rely on the payment amount and save accordingly. 

ARMs, on the other hand, had interest rates that could change based on the market index, with less predictability and a higher risk of rate shocks, as we saw during the Great Recession from 2007-2009.

While mortgage rates today aren’t anywhere near the extremes of the 1980s, buyers still face a tough environment: higher prices, limited inventory, and stricter lending standards. That combination has pushed people to explore tried and true alternatives and add new ones. 

Assumable mortgages and ARMs are on the table again and seller financing is still worth exploring. Just last week, I overheard a colleague asking about a land contract.

Lenders are beginning to use Alternative Credit Evaluation indicators, like rental payment history or bank cash-flow analysis, to assess borrower strength when making mortgage loan decisions.

There are Shared Equity Programs, where companies or nonprofits contribute part of a down payment in exchange for a share of the home’s future appreciation. With Crowdfunding Platforms, investors pool money online to finance real estate purchases or developments.

Another unconventional idea being debated today is the 50-year mortgage, designed to help buyers manage high home prices. Such a mortgage would have a 50-year repayment term, rather than the standard 30 years, lowering monthly payments by stretching them over a longer period.

Supporters argue that a 50-year mortgage could make monthly payments significantly more affordable for first-time buyers who feel priced out of the market. Critics, however, warn that while the monthly payment may be lower, the lifetime interest cost would be much higher.

What ties the past and present together is necessity. As long as affordability remains strained, creative financing – old and new – will continue to shape the way real estate gets bought and sold. As with everything real estate, my question will always be, “What’s next?”


Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH @properties. Call or text her at 202-246-8602, email her at [email protected] or follow her on Facebook at TheRealst8ofAffairs.

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Real Estate

Could lower rates, lagging condo sales lure buyers to the table?

With pandemic behind us, many are making moves

Published

2 weeks ago

on

November 17, 2025

By

Condo sellers may offer buyers incentives to purchase their home. (Photo by Grand Warszawski/Bigstock)

Before the interest rates shot up around 2022, many buyers were making moves due to a sense of confinement, a sudden need to work from home, desire for space of their own, or just a general desire to shake up their lives.  In large metro areas like NYC, DC, Boston, Chicago, Miami and other markets where rents could be above $2k-$3k, people did the math and started thinking, “I could take the $30,000 a year I spend in rent and put that in an investment somewhere.”  

Then rates went up, people started staying put and decided to nest in the new home where they had just received a near 3% interest rate.  For others, the higher rates and inflation meant that dollars were just stretching less than they used to.  

Now – it’s been five  years since the onset of the pandemic, people who bought four years ago may be feeling the “itch” to move again, and the rates have started dropping down closer to 5% from almost 7% a few years ago.  

This could be a good opportunity for first time buyers to get into the market.  Rents have not shown much of a downward trend. There may be some condo sellers who are ready to move up into a larger home, or they may be finding that the job they have had for the last several years has “squeezed all the juice out of the fruit” and want to start over in a new city.  

Let’s review how renting a home and buying can be very different experiences:

  • The monthly payment stays (mostly) the same.  P.I.T.I. – Principal, Interest, Taxes and Insurance – those are the four main components of a home payment.  The taxes and insurance can change, but not as much or as frequently as a rent payment. These also may depend on where you buy, and how simple or complex a condo building is.
  • Condo fees help pay for the amenities in the building, put money in the building’s reserve funds account (an account used for savings for capital improvement projects, maintenance, and upkeep or additions to amenities)
  • Condos have restrictions on rental types and usage – AirBnB and may not be an option, and there could be a wait list to rent.  Most condo associations and lenders don’t like to see more than 50% of a building rented out to non-owner occupants.  Why?  Owners tend to take better care of their own building. 
  • A homeowner needs to keep a short list of available plumbers, electricians, maintenance people, HVAC service providers, painters, etc.
  • Condo owners usually attend their condo association meetings or at least read the notices or minutes to keep abreast of planned maintenance in the building, usage of facilities, and rules and regulations.  

Moving from renting to homeownership can be well worth the investment of time and energy.  After living in a home for five years, a condo owner might decide to sell, and find that when they close out the contract and turn the keys over to the new owner, they have participated in a “forced savings plan” and frequently receive tens of thousands of dollars for their investment that might have otherwise gone into the hands of a landlord.  

In addition, condo sellers may offer buyers incentives to purchase their home, if a condo has been sitting on the market for some time. A seller could offer such items as:

  • A pre-paid home warranty on the major appliances or systems of the house for the first year or two – that way if something breaks, it might be covered under the warranty.
  • Closing cost incentives – some sellers will help a cash strapped buyer with their closing costs.  One fun “trick” realtors suggest can be offering above the sales price of the condo, with a credit BACK to the buyer toward their closing costs.  *there are caveats to this plan
  • Flexible closing dates – some buyers need to wait until a lease is finished.
  • A seller may have already had the home “pre-inspected” and leave a copy of the report for the buyer to see, to give them peace of mind that a 3rd party has already looked at the major appliances and systems in the house. 

If the idea of perpetual renting is getting old, ask a Realtor or a lender what they can do to help you get into investing your money today. There are lots of ways to invest, but one popular way to do so is to put it where your rent check would normally go. And like any kind of seedling, that investment will grow over time. 


Joseph Hudson is a referral agent with Metro Referrals. He can be reached at 703-587-0597 or [email protected].

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