Real Estate
The fourth Wise Man: a fractured Christmas story
Mary and Joseph and their $1,400 refundable child tax credit
Whether you celebrate Christmas, Hanukah, Kwanzaa, or my personal favorite, Date Nut Bread Day (it’s today!), traditions abound during the holiday season.
Most traditions involve the gathering of family and friends at someone’s home and the consumption of mass quantities of food and, often, drink – sort of like a football game with religious overtones.
As a child, my Nana and I used to play a game of Who Can Tell the Biggest Lie and it’s in the spirit of that game and in remembrance of my late Nana (and not to offend anyone) that I tell you the story of The Fourth Wise Man as it was loosely told to me many years ago.
Once upon a time Mary and her husband, Joseph, were directed to return to their ancestral home to register for the Tax Cut and Jobs Act. Mary was pregnant and the idea of getting their $1,400 refundable child tax credit from Marco Rubio was enticing.
The couple booked a flight to Bethlehem out of Hartsfield-Jackson International Airport in Atlanta, but as luck would have it, they were stranded there for two days due to power outages and lost their hotel reservations.
Mary was exhausted after the flight, but little baby Jesus was coming fast so she sent Joseph down to JC Penney for some swaddling clothes. As soon has her contractions were three minutes apart, she pinged Joseph on his cell phone.
He came rushing back by Uber, upon which Mary gave birth on that cold, starry night in a shed that lacked central heating because all the Airbnbs in Bethlehem were full.
Meanwhile in the suburbs, some men were tending to their sheep (didn’t I tell you it was a cold night?) when they spotted a bright light in the sky. Lo and behold, it was an angel riding a unicorn and carrying a Bell and Howell Tac Light Lantern (As Seen On TV).
The shepherds looked at each other quizzically, but the angel said, “Fear not, for I have news of the birth of your Savior in Bethlehem – a child who will be king. And I’ve brought bacon.”
Then more angels came and chatted for a while and the shepherds, being good hosts, broke out a flacon of Prosecco to share with everyone before leaving for Bethlehem. There they found the baby lying in a manger and immediately tweeted out the news to their friends and posted a selfie with Mary and Joseph on Facebook.
In another land far, far away, wise men who were gathered at a meeting of the United Nations Security Council received the tweet on their iPhones. Suddenly, something bright shone the sky.
“It’s a bird,” cried Balthasar. “No, it’s a plane,” exclaimed Melchior. “I’m a scientist and I say it’s a star,” said Gaspar proudly. “Let’s check it out,” suggested Fred, the Fourth Wise Man, “but first, let’s stop at Neiman’s to pick up a baby gift.” So, they did.
Well, as luck would have it, en route to Bethlehem, they ran into King Roy Moore who was sitting astride his camel and blocking their path. “Hey, Roy,” said Fred. “Is that a pistol in your pocket or are you glad to see me?”
“Bless your heart, Fred,” replied Roy. “I see you’re wearing your gay apparel. Have you heard about the baby born in Bethlehem?” “Yes, answered Fred, “We’re on our way to meet him now as soon as we stop for brunch. Care to join us?”
“Nah, you guys go on ahead. Cash me outside, how bow dah?” said Roy who was actually plotting against the baby, so he could continue being king.
In Bethlehem, the wise guys presented their gifts to Baby Jesus.
“I offer you this photo of gold,” said Balthazar. “You can visit the real stuff at Fort Knox. Just call Steven Mnuchin so you can use his plane.”
“I offer you frankincense,” said Melchior. The baby sneezed.
“I offer you myrrh,” said Gaspar. Mary rolled her eyes at Joseph and whispered, “WTF is myrrh?”
“I’ve got this, guys,” said Fred. “I offer Baby Jesus a tuition-free, science-based college education so he can study ways to combat climate change, save the world and bring us peace on Earth.”
“You win,” said Joseph, “but we’d better hit the road. I hear King Roy Moore is coming for our children.”
So, they fled to Nazareth in the suburbs of Galilee, where Baby Jesus grew to be a man who wore gender-neutral clothing, celebrated diversity, ministered to the poor and the sick, and preached love and tolerance for all.
Way to go, Jesus!
Valerie M. Blake is a licensed Associate Broker in D.C., Maryland and Virginia and Director of Education & Mentorship at Real Living|At Home. Call or text her at 202-246-8602, email her at [email protected], or follow her on Facebook at TheRealst8ofAffairs.
Real Estate
What LGBTQ buyers, sellers need to know about new real estate rules
Regulations are reshaping how transactions are conducted
In recent months, the real estate landscape has undergone significant changes, with new rules and regulations reshaping how transactions are conducted. These changes affect buyers and sellers across the board, but LGBTQ individuals and couples navigating the housing market should be particularly aware of how these updates might impact their decisions and opportunities. At GayRealEstate.com, we’re here to keep you informed and empowered.
1. Transparency in Agent Compensation
One of the most notable changes involves how real estate agents are compensated. New rules aim to increase transparency, requiring agents to clearly disclose their commissions and how they are paid. For LGBTQ buyers and sellers, this means you’ll have a better understanding of the financial side of your transaction, making it easier to avoid hidden fees or misunderstandings.
Tip: Make sure your agent explains their compensation structure up front. Working with an LGBTQ-friendly real estate agent through GayRealEstate.com ensures you’re connected with professionals who prioritize clarity and fairness.
2. Contracts Before Home Tours
In some areas, buyers are now required to sign a representation agreement before touring homes. While this adds a layer of formality, it can also help you establish a stronger relationship with your agent and ensure they’re working in your best interest.
What It Means for LGBTQ Buyers: Choosing an agent who understands your unique needs is critical. Signing a contract ensures that your agent is committed to helping you find a home in a community where you’ll feel safe and welcome.
3. New Protections Against Discrimination
Recent policy changes reinforce anti-discrimination measures in housing, which is particularly relevant for LGBTQ individuals. While federal laws like the Fair Housing Act prohibit discrimination based on sexual orientation and gender identity, some states have gone further by implementing additional protections.
How to Navigate: Familiarize yourself with your state’s specific laws, and rely on LGBTQ-friendly agents who are committed to advocating for your rights throughout the transaction process.
4. Market Conditions: Buyers vs. Sellers
The current housing market is in flux, with inventory levels, interest rates, and demand varying widely by region. Sellers may face longer listing times, while buyers could encounter more competitive environments in desirable areas.
5. Mortgage Updates for LGBTQ Couples
Lenders are becoming more inclusive in recognizing diverse family structures, but disparities still exist. It’s essential to work with lenders who understand your unique situation and ensure fair treatment during the mortgage process.
Advice: An LGBTQ-friendly agent can connect you with lenders who are sensitive to your needs and knowledgeable about programs that support equal access to home financing.
Why These Changes Matter
The new rules emphasize fairness, transparency, and accountability — values that align closely with the mission of GayRealEstate.com. However, navigating these changes requires expert guidance, especially for LGBTQ buyers and sellers who may face additional challenges in the market.
Take Action Today
Buying or selling a home is one of the most significant decisions you’ll make, and having the right support can make all the difference. At GayRealEstate.com, we connect LGBTQ buyers and sellers with experienced, LGBTQ-friendly agents who are committed to protecting your rights and helping you achieve your goals.
Whether you’re just starting your real estate journey or ready to make your next move, we’re here to help. Visit GayRealEstate.com to find your perfect agent and get started today.
This article is brought to you by GayRealEstate.com, the nation’s largest network of LGBTQ-friendly real estate agents.
Jeff Hammerberg is founding CEO of Hammerberg & Associates, Inc. Reach him at 303-378-5526.
Real Estate
Your holiday home journey
Real estate decisions often tap into our deeper desires for connection
Thanksgiving and real estate share an essential theme: the importance of home. It is traditionally a time of gratitude, togetherness, and reflection. While its hallmark symbols may include turkey dinners, family gatherings, and autumnal décor, it also invites us to think deeply about our values and who and what we hold dear.
For some people, the family home connotes a place of safety, comfort, and community. For others, visiting with family over the holiday can be a contentious and stressful ordeal best avoided. Countless of my friends have severed toxic relationships that can rival an exploding, deep-fried turkey. They have opted instead for dining out or hosting a gathering of food and football with like-minded people.
During Thanksgiving, the idea of “home” becomes particularly poignant. It is more than just a physical structure; it’s where people gather, memories are made, and traditions are passed down. For those involved in real estate — whether as professionals or as individuals embroiled in the market — this emotional dimension of home is a driving force.
When buying a house, it’s not just about square footage or the number of bedrooms. It’s about envisioning a Thanksgiving dinner in the dining room, imagining children playing in the backyard, or hosting friends in the cozy living space. Real estate decisions often tap into our deeper desires for connection, stability, and legacy — values closely tied to the spirit of Thanksgiving.
Thanksgiving falls in the quieter part of the real estate calendar, with spring and summer being the traditionally hot seasons for buying and selling. Yet, for those who choose to list their homes in November, the holiday offers unique opportunities. Sellers can use Thanksgiving’s warm, inviting atmosphere to their advantage, staging homes with seasonal touches like autumn wreaths, a cornucopia of fruits and nuts, the sparkle of a dining room chandelier, and the scent of freshly baked pies.
A well-decorated home during this time can evoke an emotional connection with potential buyers. A cozy environment can help them imagine spending their future holidays in that very space. Additionally, homes listed during the Thanksgiving season often face less competition, as fewer properties are on the market. This can lead to more serious offers from motivated buyers.
For buyers, Thanksgiving can function as a reminder of why they are on the hunt for a new home in the first place. Perhaps they are looking for a bigger space for a growing family. They may be downsizing to retire or to simplify life. They might be looking for home to accommodate both children and aging parents simultaneously. The holiday season underscores the importance of finding a home that aligns with lifestyle needs and future goals.
In our tight real estate market, buyers still face challenges such as limited inventory and higher interest rates; however, Thanksgiving encourages a shift in perspective. It’s a time to focus on gratitude for what is within reach — whether it’s finding a starter home, securing a dream property, or taking incremental steps toward long-term, financial goals.
Interestingly, Thanksgiving weekend has become an increasingly popular time for real estate research. Families can gather around the table and begin discussing the future, including moving to a new city, upgrading their home, or purchasing an investment property. Digital tools like web searches and virtual tours can help buyers and sellers stay connected to the real estate market without disrupting their Thanksgiving traditions.
Whether you are buying or selling, Thanksgiving offers an opportunity to reflect on the role of gratitude in real estate. For buyers, it’s about being thankful for the chance to find a home that meets their needs, even if the journey is challenging. For sellers, it’s a moment to appreciate the memories made in a home while looking forward to new opportunities.
For real estate agents and other industry professionals, Thanksgiving is a time to express gratitude to clients and colleagues, build stronger relationships, and highlight the human aspect of a business often driven by transactions alone.
If you are staying put this Thanksgiving, you have a chance to celebrate your current home, no matter its size or condition. Simple gestures like decorating with fall colors, rearranging furniture for a cozy feel, or preparing a special meal can deepen your connection to your space. Inviting neighbors, friends, or family to share in the festivities can reinforce the sense of community that makes a house a home.
Whether it’s the home you currently have, the one you’re searching for, or the one you are leaving behind, each holds a unique place in your life story. Take stock of the journey so far, recognize the progress made, and look forward to the possibilities ahead.
Real Estate
Who are the people involved in a real estate transaction?
Lenders, agents, inspectors, and more play a role
When buying a house for the first time, people may wonder if their life is going to be like what you see on HGTV or another TV show. Yes, some real estate agents drive nice cars, put photos on social media of beautiful countertops, luscious landscaping, stunning backsplashes, high-end appliances with bespoke details, and price tags that seem like they belong on a television show – stuff that “vision boards” are made of.
Real estate can be sexy. There is also the experience of what I call, “the everyday transaction.” This is the situation where someone may be the first in their family or friend group to buy a property. Or maybe this is the last one of their friends to buy a home. It could be the person that just got a notice from their apartment community that their rent was going up by $500 a month next year, and they decided it was time to start putting this inevitable amount of money into an investment each month. As my previous broker calls it, homeownership is a “forced savings plan.” It can be hard to force oneself to save at times, but your rent payment is going into equity. At some point, you can sell the investment and get back the money you put into it. Rent that is $2,400 a month can easily turn into over $115,000 during one presidential term.
The cast of characters in a real estate transaction includes:
• The buyer agent and the seller’s agent (if the house is for sale by owner, then no seller agent)
• The lender (mortgage officer) and their team
• The title company (a company of attorneys and staff to help with the legal aspects of transferring ownership, recording the deed with the municipality or state and transferring water utilities, paying off the old mortgage with the proceeds from the sale, etc.)
• Any employees of a city or county that might be brought in (e.g. a down payment assistance loan funded by a municipality)
• A home inspector (if an inspection is requested by a buyer)
• Any contractors that are brought in for estimates for repairs or work projects.
These are the people that are brought into the transaction to help bring it to completion. A good agent usually has recommendations on title companies and attorneys, home inspectors, lenders, may have contacts with city or county departments for processing permits, etc. and will utilize the network they have built over the years to help coordinate a smooth transaction (as smooth as possible) and result in a happy seller and a happy buyer.
Who you work with matters. If you have more questions about this, please do not hesitate to ask. Yes, real estate CAN be sexy, but you also want competent people working on your behalf, who know how to navigate the process smoothly.
Joseph Hudson is a referral agent with Metro Referrals. Reach him at [email protected] or 703-587-0597.
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