This is the third in a series that will run throughout October in conjunction with our friends at the Philadelphia Gay News and partners around the nation. We hope that you treasure these little looks at where we’ve come, as they help us reflect and prepare for where we are going.
By Mark Segal
National Gay History Project
There are few historians today who would doubt that Baron Friedrich Wilhelm Von Steuben was gay.
To appreciate the contributions von Steuben (1730-94) made to the American Revolution, consider this: Before his arrival in Valley Forge in 1778, the Revolutionary Army had lost several battles to Great Britain and, without him, the United States of America might still be the British colonies.
Before Valley Forge, the Revolutionary Army was a loosely organized, rag-tag band of men with little military training. The military fumbled through the beginning of the war for independence lacking training and organization. Gen. George Washington and the Continental Congress knew that without help from additional seasoned military experts, the colonies would clearly lose. Since Washington himself was the best the colonies had, they looked to Europe for someone who could train the troops. To that end, Washington wrote the colonies’ representative in Paris, Benjamin Franklin, to see what he could come up with. Franklin, a renowned inventor, was treated as a celebrity in the French court. This would be pivotal in achieving his two major objectives in France: winning financial support for the revolution and finding military leaders who could bring a semblance of order to the Revolutionary Army.
Franklin learned of a “brilliant” Prussian military genius, Lt. Gen. Baron Frederich von Steuben. Von Steuben had a string of successes (some self-embellished) with the Prussian army. There was one problem. He’d been asked to depart because of his “affections for members of his own sex.” This became urgent in 1777 when he literally escaped imprisonment in what is now Germany and traveled to Paris. In Paris, Franklin was interviewing candidates to assist Washington back in the colonies when he discovered von Steuben.
During the interview process, Franklin discovered von Steuben’s reputation for having “affections” with males and the issue became pressing as members of the French clergy demanded the French court, as in other countries, take action against this sodomite. They had decided to make their effort a crusade and run him out of France.
Franklin had a choice here, and he decided von Steuben’s expertise was more important to the colonies than his sexuality.
At the same time, another colonial representative was in France with the explicit job of recruiting experienced military personnel from Europe to train the Continental Army. He was Silas Deane, a former representative to the first Continental Congress and friend of Franklin. Deane is best known for recruiting the Marquis de Lafayette. He also had a side job as a spy for the colonies. Besides being intelligent themselves, Franklin and Deane knew how to spot intelligence. It would have been impossible for either to not know about the reputation of von Steuben.
Franklin, working with Deane, decided von Steuben’s “affections” were less important than what he, Washington and the colonies needed to win the war with England. Deane learned of von Steuben’s indiscretions – and that the French clergy was investigating – from a letter to the Prince of Hechingen, his former employer, which read in part:
“It has come to me from different sources that M. de Steuben is accused of having taken familiarities with young boys which the laws forbid and punish severely. I have even been informed that that is the reason why M. de Steuben was obliged to leave Hechingen and that the clergy of your country intend to prosecute him by law as soon as he may establish himself anywhere.”
Deane, along with Franklin, acted quickly before the clergy could deport or imprison von Steuben and plotted to send him to the colonies to serve with Washington. Von Steuben was given an advance for passage to America and began as a volunteer, without pay.
Once he’d arrived in Valley Forge, Washington was concerned about von Steuben’s inability to speak English so he appointed two of his officers who spoke French to work as his translators. One of those officers was Alexander Hamilton and the other his close friend John Laurens. Within months, von Steuben gained Washington’s confidence and began to transform the colonial army.
Washington and Franklin’s trust in von Steuben was rewarded. He whipped the rag-tag army of the colonies into a professional fighting force, able to take on the most powerful superpower of the time, England. Some of his accomplishments include instituting a “model company” for training, establishing sanitary standards and organization for the camp and training soldiers in drills and tactics such as bayonet fighting and musket loading. According to the New York Public Library, (“The Papers of Von Steuben”) the following is a list of his achievements and timeline.
February 1778: Arrives at Valley Forge to serve under Washington, having informed Congress of his desire for paid service after an initial volunteer trial period, with which request Washington concurs.
March 1778: Begins tenure as inspector general, drilling troops according to established European military precepts.
1778-79: Writes “Regulations for the Order and Discipline of the Troops of the United States,” which becomes a fundamental guide for the Continental Army and remains in active use through the War of 1812, being published in over 70 editions.
1780-81: Senior military officer in charge of troop and supply mobilization in Virginia.
1781: Replaced by Marquis de Lafayette as commander in Virginia.
1781-83: Continues to serve as Washington’s inspector general, and is active in improving discipline and streamlining administration in the army.
Spring 1783: Assists in formulating plans for the postwar American military.
Washington rewarded Von Steuben with a house at Valley Forge (still in existence and open for visits) which he shared with his aide-de-camps Capt. William North and Gen. Benjamin Walker. Walker lived with him through the remainder of his life, and von Steuben, who neither married nor denied any of the allegations of homosexuality, left his estate to North and Walker. His last will and testament, which includes the line “extraordinarily intense emotional relationship,” has been described as a love letter to Walker.
The nation that von Steuben helped found has memorialized him with numerous statues, including those at Lafayette Square near the White House and at Valley Forge and Utica, N.Y. (where he is buried) and German Americans celebrate his birthday each year on Sept. 17, hosting parades in New York City, Philadelphia and Chicago.
If George Washington was the father of the nation, then von Steuben, a gay man, was the father of the United States military.
Mark Segal is founder and publisher of Philadelphia Gay News, the country’s oldest LGBT newsweekly. Sometimes called the Dean of the Gay Press, Segal is an award-winning columnist and is fascinated by history.
Introduction to the National Gay History Project:
Historians take note. This year’s National Gay History Project is a shout out to say that the LGBT community will no longer allow insensitivity, intentional or not, to downplay the contributions LGBT people have made to this country. To put it simply, this year’s project is definitive. Without people who were LGBT or LGBT allies, there would be no United States of America. We helped create this nation and we helped keep it together through the Civil War. And indeed, the Founding Fathers not only had us in mind when creating this country, they welcomed and recruited us in their efforts.
Welcome to “We Are America.”
Help! I bought a house in the pandemic and winter is coming!
Insulate pipes, locate the water main and more to get ready
So you bought a home in the pandemic and now you need to get it ready for winter? What do you need to be thinking of as the colder months approach? Well, the majority of insurance claims in winter months revolve around broken or busted water pipes. It’s a good idea to know where the main water shut off in your house is, in case you have an emergency. You can also buy pipe insulation that is not too expensive to wrap around exposed pipes.
Another area of the home that is good to consider is the windows. If you swap out screens for storm windows that gives an extra pane of glass to provide protection from the cold winter air. Screens can go back on in the springtime.
The roof is another area – if you know that any roof tiles are loose, you are going to want to fix those before any large snowstorms, so that any ice or snow doesn’t further loosen the tile and expose your roof to moisture when the snow and ice melts. Make sure the fireplace is ready for winter by having a chimneysweep check it out and also make sure the cap is in place to keep animals out of it.
It’s a good idea to service your HVAC twice a year. Once in the fall, after it has worked hard all summer to cool the house, and right before it works hard again to keep the house warm for the winter. The second time is in the spring when it has just finished the winter’s hard work and is getting ready for round two in the summer.
Lastly, go outside and inspect the gutters – clean them and double check that they are sturdy and able to handle the fall leaves, or have covers that keep them from getting full from leaves. I spent a good part of my childhood on a ladder cleaning out the gutters! It’s how my Mom got me out of the house. And while you are outside, check trees for vulnerable branches that might snap if there is a heavy snow or ice storm and get those trimmed so they don’t fall onto the house.
Have a great autumn!
Joseph Hudson is a Realtor with the Rutstein Group of Compass. Reach him at [email protected] or 703-587-0597. Scott Leidner is a Realtor with the Rutstein Group of Compass. Reach him at [email protected] or 443-670-2165.
Fall market brings mortgage options
Find a loan you can afford with guidelines that make sense
One effect of COVID-19 has been to throw us off schedule in the normal seasonal nature of real estate sales. At long last, however, we’re beginning to see its return.
Traditionally throughout the nation, spring begins in late March or April and is the most popular time of year for buying and selling homes. In the DMV, however, spring comes early – as early as February – and the market begins to heat up as what little snow we get dissipates.
Summer has usually seen interest wane, while house hunting takes a back seat to vacations, summer camp, and participation in barbecues, family gatherings, and other outdoor activities and celebrations.
Fall has normally been the second major season for housing purchases and sales, ranging from Labor Day to Thanksgiving. Thereafter, during the winter market, people begin to plan for holidays and, although houses sell well when adorned with holiday decorations, the fall market may be better suited to allowing for settlements prior to the end of the tax year.
Even though housing inventory remained low, we saw homes in some areas take slightly longer to sell during July and August. In addition, instead of 20 competitors for a single home in a popular area, there might be only five to 10.
Still, in the past two weeks, I have seen activity on my client portals, where buyers receive information about homes that are new to the market, jump exponentially from two or three a week to the same amount in a day.
With businesses and government agencies continuing to promote remote work, more people are realizing that they need to revamp their existing homes to accommodate office space or purchase new homes with an extra room or two for that purpose. It’s not mini-mansions they want or even a 10/10 on Room Rater or Zoom, just a carved out, quiet space with a door to keep out the household noise.
Interest rates remain low and loan guidelines are not as strict as they were post-2005, with new loan programs available for a variety of situations. If you already own a home and have significant equity and good credit, refinancing your current mortgage might be just what you need to cut costs, eliminate private mortgage insurance, renovate your current space, buy a new residence, or invest in a second home or rental property.
For example, I bought my current home six years ago with a first mortgage at 4.125% and a second mortgage at 5.75%, both good rates for a 5% down purchase at the time. This past spring, I consolidated those into a single loan at 2.875%, saving roughly $600 per month to put toward bills, renovations, unforeseen home repairs, retirement, and a little bit of just plain fun.
Want to pay off your home faster? If you make just one additional payment of principal on your loan annually, you can pay off a traditional 30-year loan earlier and save several years of interest. A 15-year mortgage is another option.
As of Sept. 22nd, NerdWallet showed the nationwide average interest rate for a 15-year mortgage to be 2.169%, compared with 2.904% for a 30-year note. Your monthly payment will be higher when the loan is shortened to 15 years, but you will save thousands in interest over the life of the loan. Just remember that quoted rates may not take into consideration how your credit, debts, and equity affect your ability to borrow.
For those looking for an investment property, your income and credit may allow you to refinance and use any excess cash from your equity to start your career as a landlord. This can be an excellent retirement program or savings account for college, since a tenant pays your mortgage.
According to Karen Guess of HomeFirst Mortgage, lending rules now allow a 15% down payment from your own funds (no gifts), rather than the 20% that was previously the standard. A credit score of 620 gets you started and 75% of the average rental income reported in the area can be credited as an asset based on an appraisal of the property. The current interest rate is only 3.5%, but rates can fluctuate daily, so always check with your lender to be sure you have the most current information.
No matter what your need, financing is not what it was in the early 2000s, when lenders wrote pre-approval letters on cocktail napkins and everyone was eligible for a no-documentation, “fake news” mortgage. Contact your loan officer for a mortgage you can afford with guidelines that make sense.
Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH Real Estate. Call or text her at 202-246-8602, email her via DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.
Nationwide housing trends: A look back at 2021 and ahead to 2022
After overheated year and low interest rates, a cooler market to come?
For many potential homebuyers, 2021 was a difficult year in the real estate market. Finding a home that you love at the right price – and having an offer accepted at or around the asking price, in some markets, seemed nearly impossible. On the opposite side of the coin, for sellers, 2021 was a year that, for many, meant multiple offers above the asking price, record sales prices, and the chance to make significant profits. According to a recent Forbes article, cities across the country saw rocketing sales prices – which made for some frazzled home buyers – and some very happy sellers.
A review of housing trends in a few of the country’s larger and popular LGBTQ-friendly cities prove that this is true.
• In New York City, the average home sale price was $429,288 in 2020 while the average list price was $579,667 in 2021, indicating an increase in average sale price of approximately 3.3%.
• The Los Angeles area saw an average sale price of $674,395 in 2020 and an average list price of $864,998 in 2021, indicating an increase in average sale price of 5.49%.
• In Seattle, the average home sale price in 2020 was $512,046 while the average list price in 2021 was $651,648, indicating an increase in average sales price of around 6.7%.
• Denver indicated an average home sale price in 2020 of $433,268 and an average list price in 2021 of $526,633, reflecting an increase in average sale price of around 4.40%.
• San Francisco saw rising prices too, with the average home sale price in 2020 coming in and around $811,787, and the average list price in 2021 being $872,296, marking an increase in average sale price of 2.31% over the course of the year.
From a nationwide perspective, real estate statistics gathered over the course of the last year indicate that the average home sale price between February 2020 and February 2021 was $264,300 across the 97 most populated metropolitan areas in the United States and that the average list price during the same time was $301,389. Moreover, on average, cities across the country reflected a year-over-year increase in home sale prices from 2019-2020 to 2020-2021 at 5.43 percent.
Without question, 2021 saw skyrocketing prices in most major cities and fierce competition for available homes. Mortgage rates are low, and supply has also been somewhat low, increasing demand even more in most cities across the country. Although the market is still certainly a seller’s market, there are some signs here and there that it is beginning to cool down a bit, and that 2022 may see a more even playing field. Indeed, recent reports have indicated that housing inventory is beginning to increase, which will mean more options for buyers, and thus, less competition per home, and a wider selection of homes to choose from.
While this appears to be likely, many experts are finding it unlikely that the market will turn completely. It is thus not expected that 2022 will be a buyer’s market per se, but simply that the market will be slightly more balanced overall. Mortgage rates and financing generally are expected to remain favorable, which will also enhance the buying power of those looking to make a home purchase. While home prices are expected to rise, it’s generally assumed by financial experts that they will rise at a slower and more reasonable rate for buyers than they did this year. Ultimately, then, whether you’re a buyer or a seller, 2022 looks to be a promising year.
Without question, for much of the country, 2021 was an excellent time to sell a home, and perhaps a more difficult time to buy the one you loved at the price you wanted to pay. While that is currently the case, it’s important to remember that the truth about the real estate market is that it’s ever-changing. Trends can change from year to year or even month to month. That’s why it’s important, whether you’re a buyer or a seller, to connect with a real estate agent who understands those trends, and who can help you determine the best strategies to reach your real estate goals.
At www.GayRealEstate.com, that’s where we come in. We are passionate about connecting LGBTQ buyers and sellers across the country with talented, experienced, LGBTQ-friendly agents who know and love their communities, and who are dedicated to helping their clients achieve their dreams. Having the right agent can make the difference between a smooth and successful real estate experience and a stressful one – and you deserve the best. We’re here to help you find it. Get in touch with us any time – we look forward to helping you soon.
Jeff Hammerberg is founding CEO of Hammerberg & Associates, Inc. Reach him at 303-378-5526 or [email protected].
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