Real Estate
Back to basics in home buying process
Fantasizing about pricey condos you can’t afford is not the first step
As a home buyer we often forget what goes into the home buying process. There are several steps that you must take in order to purchase a home and similar to school or continuing education, it’s always a good idea to get back to basics to refresh your memory (or perhaps learn for the first time) the nuances of home buying and those steps that a Realtor is there to help you navigate.
Most buyers assume that the first step in home buying is the HUNT! You have been on Redfin or Zillow stalking some properties that are on the market and going into open houses on your lazy Sundays after a boozy brunch imagining yourself in a condo in Logan Circle. Well I hate to be the one to tell ya – but that is not your first step. You may have just been wasting your time as you are not able to afford those properties you have been looking at online and daydreaming about the furniture placement. In reality the first step to home ownership is getting a pre-approval from a reputable local lender. A lender will do a quick pull of credit and finances to give you an idea of what type of mortgage and the amount of that mortgage. While you may think you can afford a mortgage, the mortgage industry will financially let you know what you can actually afford.
Once you have that pre-approval in hand we can start the hunt. This is the time that your agent is going to ask you for your list of wants and needs. These lists will no doubt change over time when actually touring properties. Agents are there to guide you through the process. We are teammates on this hunt together. Likely your agent will send you properties and you will also find a few on your own that are of interest. Just like with teaching, learning, fashion, etc. there are different styles that work for different people. Please remember that if you do not like the style your agent uses, there are more fish in the sea. Find the agent that you jibe with — you are going to be spending a great deal of time together.
Once you’ve found the home of your dreams – this is where the real fun begins. Your agent will run comps on the property to find its value. Value is a subjective thing; at the end of the day a property is only worth what someone is willing to pay. Comparable sales (comps) are a list of properties with the same bedrooms, bathrooms, size and within the same radius of the property that you are interested in purchasing. These figures are used to either support the asking price or support a lower offer price for the piece of real estate. Once the comps are run and you agree on an offer price, there are a few other items that need to be hashed out that are part of the offer of sale.
Arguably one of the more important factors is the inspection period. This is usually used to perform a home inspection and find any items that may need special attention or repair that would drastically affect the home’s value. This is also a time to take measurements, take pictures, bring in a contractor for quotes etc. So you will want to ask for an appropriate amount of time for these items to be completed.
The final item to go over in the contract (we are just breezing through this here) is coupled with the financing piece. We need to determine a closing date. This will usually line up with what the mortgage lender (remember step one) will need in order for you to produce any and all documents to them and to get the loan into underwriting in order to close the sale. In the DMV this is usually about 30-days from contract acceptance to closing. There are, of course, instances where it can be sooner and those where it can be extended a bit. It’s all a fine dance between all parties involved to ensure a smooth transaction. It truly does take a village.
Once the offer is written, presented, negotiated and all parties agree to the terms – then this menagerie of bulleted items and timelines are set into place. There are timed items for different types of real estate and each jurisdiction is different regarding their timing – which is why its vital to use a Realtor that performs often in that specific area in which you are looking to purchase.
This is by no means an all-encompassing list of items within a real estate contract nor a true roadmap to home ownership, however, it represents the stripped down fundamental steps in the home buying process. Aside from the contract, which protects you as the buyer, it is important to ensure that you align yourself with your ‘A Team’ for the hunt. That includes a lender, title company, home inspector and any auxiliary contractors, etc., that your trusted real estate agent can help provide a list for you to choose from.
In this current climate there are mumblings and lawsuits about the “need” for a Realtor to be used in a home buying or selling transaction. After reading the snippet of tasks above, I would surely believe that a Realtor is vital to a successful home purchase in this market. We have gone from a seller’s market with super low inventory levels to a market with higher interest rates and equally low inventory levels. Realtors are on the pulse of the market and what is changing because we are in the trenches – I would argue that assistance with your home purchase, one of the most valuable assets you will have – is one in which having a professional by your side is of vital importance.
Justin Noble is a Realtor with Sotheby’s international Realty licensed in D.C., Maryland, and Delaware for your DMV and Delaware Beach needs. Specializing in first-time homebuyers, development and new construction as well as estate sales, Justin is a well-versed agent, highly regarded, and provides white glove service at every price point. Reach him at 202-503-4243, [email protected] or BurnsandNoble.com.
Real Estate
Stress-free lease renewals during winter months
A season when very few tenants typically move
January has a way of waking everyone up. After weeks of holiday noise, travel, family visits, and a general blur of activity, the new year arrives with its usual mix of resolutions, optimism, and responsibility. People start looking at their calendars again. To-do lists reappear. And tucked away in there is something many tenants didn’t give much thought to in December, their lease renewal.
Renewals in winter matter more than most people realize. It is a season when very few tenants typically move. The weather is unpredictable, schedules are tight, and most people are trying to regain their footing after the holidays. Because of this, renewal conversations tend to be more productive and more grounded.
Many landlords think of spring and summer as the heart of leasing season, and while that’s certainly when moves are most common, winter renewals hold their own kind of importance. A well-timed renewal does more than keep a unit occupied. It provides predictability for the year ahead, strengthens relationships, and reduces the costly turnover that smaller landlords want to avoid.
In my experience, tenants who might hesitate during another time of year are often relieved to secure housing before the pressures of spring and summer begin. Uncertainty is one of the prime causes of unnecessary turnover. If tenants don’t hear from their landlord, they often start browsing listings “just in case,” or asking friends about other options. Once that door is opened, it can be hard to close. Initiating the renewal process early helps anchor tenants before doubts start creeping in.
Tenants often make clearer decisions in January than they would in November or December. During the holidays, people are distracted and stretched thin; emails are skimmed, not absorbed; and anything involving planning often gets deferred until “after the new year.” When tenants return home in January, they have a better sense of their plans, their budget, and their needs for the coming months. This makes it a much easier moment to start or restart a renewal conversation.
The practical reality is that most tenants don’t want to move in the winter. Who wants to haul furniture across icy sidewalks or deal with last-minute moving delays due to storms? Beyond the weather, January is a time when people are reorganizing finances, filing paperwork, and settling into routines. The thought of a major transition simply doesn’t fit. Landlords can use this natural reluctance to create a smoother, more collaborative renewal process.
One thing I’ve learned over the years is that clarity is a landlord’s best tool. Tenants don’t need lengthy explanations, legal jargon, or complicated attachments. They simply want to know:
- Are the terms changing?
- If so, how?
- What does their timeline look like?
- Would the landlord consider another set of terms?
A concise, well-laid-out renewal offer does two things. First, it demonstrates transparency, which builds trust. Second, it keeps the conversation focused and productive. When tenants understand exactly what’s being proposed, there is less back-and-forth, fewer misunderstandings, and a quicker path to a signed agreement.
Tenants are more receptive when they feel they’re being treated fairly and openly. If there’s a rent adjustment, a brief explanation helps tenants see the reasoning behind it, such as increased operating costs, significant maintenance completed during their stay or alignment with the market.
Lease renewals are moments of connection. The best landlord-tenant relationships are built over time through small exchanges, transparency, and mutual respect. Renewal season offers an opportunity to reinforce that.
A simple acknowledgement of the tenant’s care for the home or their timely payments can set a positive tone. Even a short note of appreciation signals that you see them not as a lease term, but as a partner in maintaining the property. These gestures cost very little but create a sense of goodwill that carries through maintenance requests, policy reminders, and everyday communication.
Many landlords underestimate how much tenants value being treated as individuals rather than account numbers. A thoughtful, personal touch during the renewal process can make a tenant feel recognizednand more inclined to stay.
Renewals aren’t only about securing another term lease.They’re also a natural moment to check in on the overall health of the property and the tenant’s experience. J anuary provides a quiet space to step back and ask:
• Are there maintenance concerns the tenant hasn’t mentioned yet or that have not been fully resolved?
• Is the property due for upgrades or any preventative work?
• Are there responsibilities or expectations worth revisiting?
These conversations don’t need to be long or formal, but they help prevent the small issues of one year from becoming the larger problems of the next. A tenant who feels heard is more likely to take good care of the home, communicate proactively, and renew again in future years.
While landlords must maintain structure and protect their assets, a bit of flexibility can go a long way during the renewal process. Tenants are often rebalancing budgets after holiday spending. Offering digital signatures, Having brief calls to clarify terms, being flexible, or a few extra days to make a decision can ease stress without compromising the landlord’s position.
Flexibility is about recognizing human realities. Most tenants appreciate being treated with patience and professionalism, and often reward that consideration with prompt decisions and smoother communication. There are many reasons why a full year renewal may not coincide with their plans. Being able to work out mutually agreeable renewal terms makes the solution a win for both parties.
For landlords, especially smaller ones, stability is the foundation of successful property investing. A vacant unit, even briefly, costs more than most people realize. There are marketing expenses, cleaning, repairs, lost rent, and the unpredictable timeline of finding the right new tenant. By contrast, securing a renewal with an existing reliable tenant protects cash flow, reduces risk, and creates predictability in planning.
January renewals, when handled well, deliver this stability right at the beginning of the year. They give landlords a clear roadmap for budgeting, maintenance scheduling, and forecasting. They also give tenants the security of knowing exactly where they stand, which reduces stress on both sides.
A lease renewal may seem like a small moment in the life of a property, but in practice, it shapes the experience of the year ahead. When the process is organized, honest, and respectful, it sets a tone that carries through every interaction until the next renewal date.
January is a time to consider leaning into this approach. The pace is slower, the mindset is clearer, and both landlord and tenant are ready to step into the year with more intention. A renewal handled thoughtfully now paves the way for a smoother, quieter, more predictable twelve months, something every landlord and every tenant can appreciate.
Scott Bloom is owner and senior property manager at Columbia Property Management.
Real Estate
Child- and pet-proofing your home for the holidays
It isn’t about being perfect but about being prepared
The holidays are meant to be joyful, cozy, and full of laughter — but if you have young children or pets, they can also feel a little chaotic. Twinkling lights, shiny decorations, guests coming and going, and tables full of tempting food can turn your home into a wonderland of curiosity and mischief. The good news? With a little thoughtful planning, you can keep the holiday magic alive while making your home safer for everyone who lives there.
There’s something oddly comforting about movies where animals go to war with holiday decorations, turning carefully strung lights and perfectly placed ornaments into chaos. Whether it’s a mischievous dog tangled in tinsel or a curious cat launching a full-scale assault on a Christmas tree, these scenes tap into a universal experience for pet owners.
The humor comes from the contrast: the human characters are trying to create warmth, tradition, and picture-perfect cheer, while the animals see the decorations as toys, obstacles, or personal enemies. The resulting destruction — trees tipping over, ornaments shattering, lights blinking out—feels exaggerated but relatable, especially during the already hectic holiday season.
Let’s start with decorations because they tend to be the biggest attraction. Ornaments sparkle, garlands dangle, and everything seems designed to be touched, pulled, or tasted. If you have little ones or pets, consider placing your most fragile ornaments higher on the tree and using shatterproof options on the lower branches. Tinsel and ribbon may look festive, but they can be dangerous if swallowed, so skipping them or keeping them well out of reach is a simple way to reduce risk without sacrificing style.
Holiday lights are another favorite fascination. Before hanging them, take a few minutes to inspect each strand for frayed wires or broken bulbs. Secure cords along walls or behind furniture so they’re harder to grab or chew and unplug them when you leave the house or head to bed. Not only does this help prevent accidents, but it also gives you one less thing to worry about during a busy season.
The Christmas tree itself can become a focal point for exploration. Make sure it’s sturdy and well-anchored so it doesn’t tip if a toddler tugs on a branch or a pet decides to investigate. If you use a real tree, cover the water base since tree water can contain additives that aren’t safe if consumed. For artificial trees, keep an eye out for loose pieces or needles that could become choking hazards.
Food is a big part of holiday celebrations, and it’s also one of the most common sources of trouble. Many traditional treats—like chocolate, grapes, raisins, alcohol, and foods containing xylitol—are dangerous for pets. Keep plates and serving dishes up high, secure the trash can, and gently remind guests not to slip pets or kids “just a little bite” without checking first. For children, be mindful of hard candies, nuts, and small treats that could pose choking risks.
Candles and fireplaces add warmth and charm, but they deserve extra caution. Flameless candles are a wonderful alternative if you want ambiance without worry. If you do use real candles, place them well out of reach and never leave them unattended. Fireplaces should always have a sturdy screen or gate, especially with crawling babies or curious pets nearby.
Holiday gatherings bring wonderful energy into your home, but they can also create new challenges. Doors opening frequently make it easier for pets to slip outside, so consider setting up a quiet, comfortable space where they can relax during busy get-togethers. This can help reduce stress for them and give you peace of mind. For children, stair gates, locked cabinets, and clear boundaries can help prevent accidents when there’s extra excitement in the air.
New toys and gifts are another thing to watch closely. Packaging, twist ties, plastic wrap, and especially button batteries should be cleaned up promptly. These items are easy to overlook in the excitement of gift-opening but can be dangerous if swallowed. Taking a few minutes to tidy up as you go can make a big difference.
Lastly, try to keep routines as steady as possible. The holidays naturally disrupt schedules, but familiar mealtimes, naps, walks, and bedtime rituals help children and pets feel secure. A calmer household often means fewer accidents and a happier experience for everyone.
At the end of the day, child- and pet-proofing your home for the holidays isn’t about being perfect but about being prepared. A few small adjustments can help you relax, enjoy your guests, and focus on what truly matters: creating warm, happy memories with the ones you love. When your home feels safe, the holidays feel even sweeter.
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.
Real Estate
In real estate, trust the process
With rates coming down, we could see spring surge in buyers
The average 30-year mortgage rate is falling, little by slowly. With predictions that the rate will continue to adjust downward in the next year or two, there may be a busier spring market than we have seen in the last few year, especially for the DMV market, which has been reeling from thousands of layoffs this past year. The frenzied activity resulting from interest rates close to 3% for some borrowers will probably not occur; however, this spring could add up to be a few notches busier than the last.
What does this mean for buyers and sellers? Lender Tina Del Casale with Waterstone Mortgage says she has seen “low to mid 6’s as the average for conventional loans.” If rates continue downward into the 5% range, there may be more activity than we saw in the last year or two. This could release a little bit of pent up demand.
Many buyers will have found that for whatever reason, their current home is not meeting their needs. Sellers may want to finally take the plunge and put a for sale sign in the yard and online, now that they might find a more reasonable rate on their next home. This winter can be an opportunity to assess financial situations, home conditions, and optimize one’s chances to have a sale with more agreeable terms, or put one’s best foot forward in an offer. In addition to checking with a lender or favorite handy person, let’s review what sellers and buyers typically spend their energy negotiating while enjoying the lovely process called “going under contract”:
- Timelines – Sellers might want to have their house solidly under contract (papers signed, thumbs up from the lenders, all inspection items decided upon and settled) so that they can put an offer down on a new home, and then negotiate that timeline with the other sellers. Remember, making a move is not only about the buyer taking possession of a new home, but also about the sellers figuring out their situation as well.
- Sale Price – unfortunately for buyers, in the eyes of most sellers, “money talks.” So, in a non-competitive situation, a seller might be happy to just get one offer at a price that was within the desired range. As soon as another interested buyer enters the equation, it can become a little bit like RuPaul’s Drag Race, and one will have to lip sync for one’s life, honey! And only one buyer will get to hear the words, “condragulations!”
- Tone/Vibes/Energy in the Room – Remember: Human beings are emotional creatures. All of us have feelings. And all of us want to put energy into situations where we feel appreciated, where a level of self-awareness exists, and a sense that each side is trying one’s hardest to act in good faith. The best transactions I saw were where a little grace was the “grease on the wheels” of the transaction. Occasionally, a buyer had cold feet and wanted to see the unit a few more times before the settlement date, or a seller forgot to scrub the bathroom with a little extra elbow grease before the settlement date. Life happens; misunderstandings can occur. A wise therapist once said: “You don’t have to like it, but can you allow it?” The tone of one or both parties in the transaction can be what seals the deal, or results in one party exiting the contract. (In the case of the dirty bathroom, the seller left a check with the title company for the buyer to pay a housekeeper to come clean what they couldn’t.)
Joseph Hudson is a referral agent with Metro Referrals. He can be reached at 703-587-0597 or [email protected].
