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A world transformed by real estate

Realtors pitch in to help those affected by Hurricane Harvey

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realtors, gay news, Washington Blade

Realtors ditched a conference in Houston to pitch in and help in the aftermath of Hurricane Harvey. (Photo by David Bediz)

In the wake of one tragic event after another—some caused by one man, some caused by man in general–we all may be tempted to throw our hands in the air and give up on humanity. Our leaders seem to want to focus on moving backwards, while we as a species need desperately to move forward and focus on solutions for our future. On the world stage, we retreat from global policy shifts to try to slow down or reverse climate change, and domestically we contemplate allowing silencers and armor-piercing bullet sales in the wake of one violent mass shooting after another.

Despite these desperate times, there is a movement, and perhaps a majority of us, that still have a positive outlook for the future. Out of every tragedy, there emerge heroes willing to risk their lives to help others, and communities strengthening to help its weakest members. We may not always see it in the news, but these movements happen. I saw it myself in Houston two weeks ago.

Every year, our brokerage, the largest in the world now, gets together in Austin, Texas for a week of education, collaboration and business development. Normally, it is a predictable mix of daylong classes, networking events and silly evenings spent watching dueling pianos, followed by a hazy flight home with a tired brain and body.

This year, the event was scheduled for Sept. 11-15, just two weeks after the largest hurricane and flood event the country has ever seen: Hurricane Harvey. With floodwaters over 6-feet high in thousands of homes in Houston, the storm claimed dozens of lives and left hundreds of thousands homeless. It also destroyed the largest financial investment many residents had ever made, and many of those investments were not protected by insurance of any kind.

In the wake of such a catastrophe, our brokerage could not just sit idly by and follow the same pattern of a typical conference week, especially since the conference itself was so close to the devastation. As a result, our large group shifted focus from education to relief. With only about 13 days to plan, the original events were cancelled, buses were booked and supplies were ordered to allow the 10,000 original attendees to change roles to disaster assistant volunteers.

We boarded buses from Austin starting at 7 each morning for several days in a row. As we got closer to Houston, the remains of the devastation Harvey caused became more common: flooded fields, muddy bushes and trees, signs and debris littering the road. But then, as we pulled into what was previously a typical middle-class housing development, the evidence became overwhelming: lines of piles of debris littering front yards of every single house as crews worked to remove the things of peoples’ lives from their homes. One house was completely burned out, with nothing left standing but the brick walls that made up its perimeter. Perhaps it burned during the flood with no one and nothing to help put it out but the floodwaters that rose around it. It was like entering a war zone.

We were provided meals from businesses that chipped in for the effort, and given gloves, shovels, pry-bars, goggles and wheelbarrows bought with our own registration fees. And we spent each day there cutting out the drywall, insulation and debris, sopping wet with floodwaters, up to the water line that was above taller than many of the volunteers. “De-mucking” the houses, as it is called, was laborious, dirty and smelly work. But the volunteers gathered together, all in red shirts and working in concert.

Despite the destruction Harvey wrought, and the work we did to further dismantle these homes, we had high spirits, knowing our work was a force for good. We weren’t the only ones working, nor the only volunteers, but that only made us feel better. Our business is real estate. Our clients are like these homeowners. And while these homeowners weren’t our clients, we knew how closely our businesses, and our lives, were tied to these people’s.

One homeowner came to see her property for the first time since being evacuated by boat to higher ground. She seemed numb and almost emotionless, but we could tell her own flood of emotion was about to burst forth. We hugged her and apologized for her loss. Hopefully that made it better for her, just a little bit.

Transforming lives through real estate is our local brokerage’s mission statement. We didn’t fix the problems those people experienced in Houston, but hopefully we helped as a small force for good. Thinking of all the people coming together to help, from across the country, made me have a little more faith in humanity. I would hope that, regardless of political affiliation, events like these can help us come together as a country, and as a world united for positive change.  Normally I feel that I help my clients transform their own lives through real estate, but in this instance I think real estate helped to transform my own.

 

David Bediz is a 13-year veteran Realtor and a leader in the community, serving on the Board of Directors for both DCAR and GCAAR, the two local Realtor associations. His top-producing team was named 2015 Best of Gay DC Real Estate Group by the Washington Blade, and has been nominated for the award again this year. He can be reached at 202-642-1616 or bediz.com.

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Real Estate

A look at down payment assistance programs

Pride in ourselves, Pride in homeownership

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(Photo by GaJaS/Bigstock)

One of the most popular questions at our home buyer seminars is “What are the down payment assistance or first-time homebuyer programs available where I live?”  There are various programs sponsored by multiple jurisdictions with the help of local banks, federal grants and loans as well. Knowledgeable lenders in the area will direct their eligible borrowers to these programs when a home purchase is being considered. Some of the programs are frequently mentioned in the local news: HPAP, EAHP, and DC Open Doors. There are also other options such as:

• FHLB grant for down payment assistance and/or closing costs

• Bank portfolio loans such as the Sandy Spring Bank loan, which can be 3% of the home purchase price – paired with a 97% first trust loan which is 100% financing at market rates

• Citibank Home Run

• Bank of America Down Payment Grant or Home Grant

• Chase Dream Maker Grant

• DC Open Doors – (DC Purchases only)

• HPAP/EAHP (for DC purchases only, when funds are available.)

All of these programs, grants, and loans come with guidelines and regulations, which may include income limits, household size limitations, geographic boundaries, homebuyer education classes, occupying the home as a primary residence, and funds availability. Some are easier to use and implement than others. Others may be available but can take 60 or more days to close on a home purchase, where another buyer may offer a seller a 30-day close. Some of these options may be stacked together to help build the buyer’s purchasing power.  

In many cases they are worth exploring, and “seeing if the shoe fits.” A knowledgeable lender will be able to help a prospective home buyer to “try on these shoes” and see if there is a good fit. The best local Realtors and lenders will help a buyer understand which can be used at the time of purchase, and what types of documentation are necessary for each instance.  

In our experience, the programs are there for those who need it, and in many cases make the difference between what a buyer has available to bring to the table, and what they need to get the “Sold” sign put out on the lawn, and the keys in their hand. Some buyers may decide to investigate these options and go without the program or the available funds anyway.  Perhaps the interest rate is higher when using a program as opposed to going without it, meaning the monthly payment will be more when you use these programs.  Each buyer has their own criteria of what makes a good fit for them.  As with anything, “Mama said you gotta shop around.”  It’s worth considering the various down payment & first time homebuyer assistance options available when looking to purchase and deciding which option(s) provide the best fit.  

Don’t hesitate to reach out for more information.

Joseph Hudson is a referral agent with Metro Referrals. Reach him at [email protected] or 703-587-0597. Tina Del Casale is a mortgage banker at Sandy Spring Bank. Reach her at 301-850-1326.

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Real Estate

Totally radical home buying

We should celebrate advancement of homeownership rights

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The phrase “totally radical” came of age in the 1980s and was defined as cool, wonderful, or awesome. Its synonym, wicked, can be found in nearly all Ben Affleck movies and a cry of “Excellent!” will bring back memories of an adventure had by Bill (Alex Winter) and Ted (Keanu Reeves) in 1989.

Although some people are not ready for cocooning yet, homeownership is still a cornerstone of financial strength and wealth building. For LGBTQ individuals, owning a home can provide a sense of economic security and a sanctuary where they can express their personalities freely and without fear of discrimination or harassment. 

Whether house, condominium, or cooperative apartment, owning a place to chill allows you to build a legacy and provide for future generations. It offers the stability needed to plan for the future, whether that involves raising a family, supporting aging parents, or ensuring a spouse’s or partner’s financial security.

Homeowners are also more likely to invest in their communities, fostering strong, inclusive, bitchin’ neighborhoods. For many LGBTQ people, a home is “In the District,” which prides itself on diversity. Homeownership allows individuals to create personal spaces that reflect their identities and values, contribute to the city’s rich cultural tapestry, support local businesses, and participate in community events and governance.

The journey toward homeownership for gay individuals has evolved over the years, reflecting broader societal changes and the struggle for LGBTQ rights. The stark contrast between the ’80s and now highlights the progress made, the challenges that still exist, and future uncertainties brought forth by the space cadets in our political system. 

In the 1980s, homeownership for gay people was bogus. The decade was marked by lame, pervasive discrimination and limited legal protections. The HIV/AIDS epidemic further stigmatized the gay community, intensifying societal prejudices. This climate of fear and hostility permeated various aspects of life, including the housing market.

Gay individuals faced overt discrimination from landlords, real estate agents, and mortgage lenders, even in the rental market. It was not uncommon for same-sex couples to be denied housing simply because of their sexual orientation. Even in the late ’90s I had clients looking for homes in Prince William County, Va., who had to hightail it out of an open house when told to take a hike. I kid you not!

Financial institutions were often unwilling to grant mortgages to same-sex couples or openly gay individuals. When they did, the terms were often less favorable than those offered to heterosexual couples. This made the dream of homeownership significantly harder to achieve, even though DINKs (dual income, no kids) tended to have more household income than so-called “traditional” families.

Additionally, the lack of legal recognition for same-sex relationships posed harsh challenges. Without the ability to marry, same-sex couples faced difficulties in co-owning property and ensuring that their partner had legal rights to the home. Estate planning was complicated, as inheritance laws did not recognize same-sex partners, potentially leading to the loss of a home upon a partner’s death.

The landmark Supreme Court decision in Obergefell v. Hodges, which legalized same-sex marriage nationwide, was a fantabulous moment. This ruling provided same-sex couples with the same legal rights as heterosexual couples, including the ability to jointly own property and inherit without complication.

Anti-discrimination laws have also evolved. The definition of sex under the Federal Fair Housing Act has been expanded to include sexual orientation and gender identity, as have protected classes in Maryland and Virginia. The District has taken that a step further; our protected classes also include gender expression and personal appearance. 

Organizations like the DC Center for the LGBT Community and the National Association of Gay and Lesbian Real Estate Professionals (NAGLREP) offer resources and advocacy for LGBTQ+ homebuyers. These organizations provide educational workshops, networking opportunities, and support to navigate the housing market.

The advancement of homeownership rights for gay people is a testament to the righteous resilience and determination of the LGBTQ+ community. As society continues to strive for equality, it is essential to address the remaining challenges to ensure that everyone, regardless of their sexual orientation or gender identity, can achieve the goal of homeownership.

In 2024, the only limitations on owning a home are finding one and being able to afford it. Pride weekend is a great time to go to open houses. You’ll probably be walking right by several. 

But if you’re not ready yet and just feel like getting your ’80s jams on, grab your disco balls and check out the Totally Tubular Festival at The Anthem at The Wharf on July 14.I’ll be Desperately Seeking Susan and will, as they used to say in the ’70s, catch you on the flip flop.

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Real Estate

Decorating tips for Pride in D.C.

Perfect time to add a dash of creativity to your living space

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Hang your Pride flag and other LGBTQ-themed décor this Pride month. (Washington Blade file photo by Daniel Truitt)

As the vibrant LGBTQ community in Washington, D.C., gears up for the much-anticipated Pride celebrations on June 8 and June 9, it’s the perfect time to add a splash of color and a dash of creativity to your living space. Normally, I know you’re used to reading more educational and serious articles in this space. In the spirit of D.C. Pride this year, I thought a bit of levity would be welcomed.

Whether you’re in a cozy condo, a spacious home, or a rental apartment, here are some fabulous ways to zhuzh up your indoors and outdoors with Pride-themed décor. 

Indoors: Celebrate with Style

1. Colorful Accents Everywhere

Transform your living area into a festive space by incorporating the colors of the rainbow. Here’s how:

• Throw Pillows and Blankets: Swap out your regular throw pillows and blankets for those in bright, rainbow colors. This simple change can make your space instantly feel more festive.

• Pride Flags: Hang LGBTQ Pride flags on your walls or in your windows. The traditional rainbow flag is a staple, but also consider including other flags like the bisexual, transgender, or pansexual flags to celebrate the diversity of our community.

• Art and Posters: Display Pride-themed art or inspirational quotes from LGBTQ+ icons. Local artists often have prints and posters that reflect the spirit of Pride.

2. Light It Up. Lighting can set the mood for any celebration:

• Fairy Lights: Drape rainbow-colored fairy lights around your living room or bedroom for a magical touch.

• LED Candles: Use multi-colored LED candles to safely add a warm glow to your space.

3. Tabletop Décor. Celebrate at every meal with:

• Tablecloths and Runners: A vibrant rainbow tablecloth or runner can turn every dining experience into a celebration.

• Centerpieces: Create centerpieces with flowers in hues of the rainbow, or use colorful glass bottles as vases.

4. DIY Pride Crafts. Get creative with DIY decorations:

• Rainbow Paper Chains: Make paper chains in rainbow colors and hang them across your rooms.

• Pride Mason Jars: Paint mason jars in rainbow stripes and use them to hold utensils or flowers.

Outdoors: A Festive Façade

1. Balcony or Patio Pride. If you have outdoor space, make it a part of the celebration:

• Rainbow Banners and Streamers: Decorate your balcony or patio railings with rainbow banners and streamers.

• Outdoor Flags: Fly a large Pride flag from your balcony or in your garden.

2. Welcoming Door Décor. Your front door can be a bold statement of support:

• Pride Wreath: Create or buy a wreath featuring rainbow colors or themed around different LGBTQ+ flags.

• Welcome Mats: Greet visitors with Pride-themed welcome mats.

3. Garden and Window Dressings. Let your garden or exterior windows echo your Pride:

• Window Decals: Use removable rainbow decals to decorate windows facing the street.

• Garden Flags: Place small rainbow or other LGBTQ+ flags throughout your garden or in plant pots on your porch.

4. Lighting the Night. Make your outdoor space shine:

• Solar Rainbow Lights: Use solar-powered lights in Pride colors to illuminate pathways or garden borders.

• Projection Lights: Project rainbow patterns or Pride flags onto your home’s exterior.

Community Engagement

1. Share the Spirit. Decorate your shared spaces if you’re in an apartment building:

• Bulletin Boards: Put up colorful notices or flyers announcing local Pride events.

• Community Areas: If possible, decorate communal areas with small flags or posters.

2. Local Pride. Support local LGBTQ businesses by buying decorations or craft supplies from them. This not only helps the community but also promotes local artists and crafters.

Safety and Considerations

• Check with your landlord or HOA: Before hanging decorations outside or in shared areas, make sure to check if there are any restrictions.

• Be Mindful of Neighbors: While celebrating Pride, ensure your decorations are respectful and mindful of your neighbors.

By decorating your home for Pride in Washington, D.C., you’re not just brightening up your living space; you’re showing your support and solidarity with the LGBTQ community. Let your Pride shine brightly, and make this year’s celebrations unforgettable!

Scott Bloom is owner and senior property manager, Columbia Property Management. For more information and resources, visit ColumbiaPM.com.

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