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From the archives: Gays among heroes, victims of Sept. 11

Our archives piece profiling many of the LGBT dead found in the 5th anniversary of the Sept. 11 attacks issue.

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This piece ran in the Blade’s five-year anniversary issue in September 2006. It lists some of the known LGBT victims of the Sept. 11 attacks and shows that families of all types were affected by the terrible events of that tragic day. It also shows that many of the 9/11 heroes who saved countless lives were lesbian, gay, bisexual or transgender.

RENEE BARRETT-ARJUNE

Irvington, N.J.

Renee Barrett-Arjune, 41, was working in One World Trade Center at the time of the attacks. An accountant for Cantor Fitzgerald, she was able to escape the building prior to its collapse.

However, she suffered serious burns in the attack, and was hospitalized at Cornell-Presbyterian Hospital, where she died more than a month later on Oct. 18, 2001.

Barrett-Arjune had been a member of the Metropolitan Community Church of New York. She left behind her partner, Enez Cooper, and her 18-year-old son, Eddie, who lived with them.

GRAHAM BERKELEY

Boston

Graham Berkeley, 37, a native of England who lived in Boston, boarded United Airlines Flight 175 on Sept. 11, 2001, on his way to a conference in Los Angeles. He died when the plane became the second highjacked airliner to crash into the World Trade Center.

Berkeley’s parents, Charles and Pauline Berkeley, still live in England and watched the crash on television, although it took eight hours to confirm that their son had been on the plane.

“We had seen the fireball ourselves and knew to expect the worst,” Charles Berkeley told the London Mirror. “We watched our child die. He was a brilliant boy, a brilliant man.”

Graham Berkeley worked for Compuserve as product management director and was a professional violinist in Germany and England, the Advocate reported.

MARK BINGHAM

San Francisco

Gay rugby enthusiast Mark Bingham has been hailed as one of a small group of heroes who fought back against hijackers on United Flight 93, which crashed in Pennsylvania. The flight was believed to have been headed to Washington, D.C., likely to attack another national landmark.

Bingham, 31, was a member of the San Francisco Fog, a gay rugby team, and planned to organize a rugby team for this year’s Gay Games in Sydney, Australia.

A tribute page hosted by the team includes an e-mail from Bingham after he had learned that the Fog had been accepted as a permanent member of the California Rugby Football Union.

“Gay men weren’t always wallflowers waiting on the sideline,” he said, applauding the team’s acceptance into the league. “We have the opportunity to let these other athletes know that gay men were around all along — on their little league teams, in their classes, being their friends.”

PAMELA J. BOYCE

New York

Pamela J. Boyce, 43, was a resident of Dyker Heights, Brooklyn, and worked on the 92nd floor of One World Trade Center as assistant vice president of accounting for the New York office of Carr Futures.

Catherine Anello, Boyce’s partner, told the New York Times that Boyce was a no-nonsense person who wouldn’t want her loved ones to be overcome by grief.

“If there was someone who lost a loved one and had been grieving too long, so that they were not living their life, she would say, ‘Stop. It’s not what they would want. They are in a better place.'” Anello said, “She said, ‘I’m not afraid to die because I know where I am going is beautiful.'”

DANIEL BRANDHORST

RONALD GAMBOA

DAVID REED GAMBOA BRANDHORST

Los Angeles

When Daniel Brandhorst and Ronald Gamboa changed their flights so they could return to Los Angeles from Boston on Sept. 11 with adopted son, David, they had no idea of the tragedy that would await them.

Brandhorst and Gamboa had met 13 years ago at a party. Family friend Donato Tramuto told the New York Times Gamboa “could make a rainy day look happy.” Meanwhile, Scott Pisani, a fellow employee at PriceWaterhouseCoopers, said Brandhorst “made a tremendous amount of time for his family” after David was born, and would often take the toddler to work.

David, 3 at the time of his death, was adopted at birth by Gamboa and Brandhorst. Brandhorst, 41, worked an accountant for PriceWaterhouseCoopers, and Gamboa, 33, was the manager of a Gap store. They were on United Airlines Flight 175.

DAVID CHARLEBOIS

Washington, D.C.

David Charlebois, 39, first officer on American Airlines Flight 77, which collided into the Pentagon after being hijacked by terrorists, died while flying one of his standard routes.

Charlebois lived near the District’s popular Dupont Circle neighborhood with his partner of 14 years, Tom Hay, and their border collie, Chance.

He began his career as a pilot for corporate executives and later worked as a pilot for U.S. Airways. He joined American Airlines a decade ago, where he served as first officer, or co-pilot, flying mostly transcontinental routes out of Dulles International Airport.

Hay said Charlebois’ loyalty to his friends, family, and community was rivaled only by his love for flying.

“He always wanted to be a pilot,” Hay said.

Charlebois was an active member of the National Gay Pilots Association and had worked quietly within his company as an advocate for rights of gay employees, including gay pilots.

EUGENE CLARK

New York

Eugene Clark, 47, observed “the three D’s: dance, drama and divas,” according to the New York Times. His partner of 13 years, Larry Courtney, said Clark had grown up listening to Roberta Flack, loved Broadway musicals and could dance “like Tina Turner… and he had legs almost as good.”

Clark worked for the Aon Corporation as an administrative assistant, but it was his time away from the office that he enjoyed most. He had converted a 10-foot by 24-foot concrete-slab patio into a thriving terrace garden.

He also “adored the musicals ‘Miss Saigon’ and ‘Les Miserables,’ cooked Southern-style fried cabbage, and collected Waterford crystal decanters and vases,” the Times reported.

JEFFREY COLLMAN

Jeffrey Collman, 41, a flight attendant on American Airlines Flight 11, died when the hijacked jet slammed into the North World Trade Center tower in the first attack of Sept. 11, 2001.

A three-year employee of American Airlines, Collman had changed to the Boston-Los Angeles route from his normal Boston-San Francisco flights in order to prepare for an upcoming vacation.

Keith Bradkowski, Collman’s partner, had last heard from him the evening prior to the crash, when Collman called to talk about their upcoming trip, according to the San Jose Mercury News.

Collman received the American Professional Flight Attendant Award in 1999. In addition to Bradkowski, the Illinois native was survived by one sister and four brothers.

LUKE DUDEK

Livingston, N.J.

Luke Dudek and his partner of 20 years, George Cuellar, had dreamt of buying a building to house their high-end floral design store.

On Sept. 11, 2001, that dream finally became a reality. But Dudek, 50, wasn’t there to celebrate, according to Newsday.com.

Dudek was working as a food and beverage controller at Windows on the World, the restaurant at the top of One World Trade Center, that morning, when terrorist planes struck the building.

Dudek’s partner, George Cuellar, continues to run the flower shop he operated with Dudek for 16 years. He said the couple had no regrets in life.

“Everything we did, we did with love,” Cuellar told Newsday. “He’ll always be my best friend. I feel very protected by him. And I always did.”

JOE FERGUSON

Washington, D.C.

James Joe Ferguson, director of geography education outreach for the National Geographic Society, was on American Airlines Flight 77 when it crashed into the Pentagon. Ferguson was traveling on a National Geographic-sponsored educational field trip to the Channel Islands National Marine Sanctuary off Santa Barbara, Calif.

Ferguson, 39, was accompanying a colleague, three teachers, and three sixth-grade students, all from Washington, on the trip.

Ferguson lived on Capitol Hill for 10 years with Winston, his wire-haired fox terrier. He was one of the principal architects who designed the infrastructure of geography education, which resulted in the improvement of geography education throughout the United States, according to National Geographic.

“Ultimately, what he did touched over 150,000 students and teachers — and that is just one person,” said Ed Kaczmarek, a friend of Ferguson’s for 14 years.

CAROL FLYZIK

Plaistow, N.H.

Carol Flyzik, a 40-year-old registered nurse and a member of the Human Rights Campaign, was on American Airlines Flight 11 on her way to California  when her plane became the first to crash into the World Trade Center.

Flyzik was a marketing supervisor for Meditech, a software company that serves the medical community. She was headed to California on a business trip at the time.

She left behind a partner of nearly 13 years, Nancy, as well as three stepchildren whom she cared for as her own.

SHEILA HEIN

University Park, Md.

Sheila Hein, an analyst, was working for the U.S. Army’s management and budget office in the Pentagon when American Airlines Flight 77 crashed into it.

Hein, 51, lived with her partner of 17 years, Peggy Neff, in University Park, Md. They bought a house there seven years ago as a “fixer-upper” and turned the backyard into their “own private park,” Neff told the Washington Post. “She is what this yard is. There’s a whole lot of love here,” Neff said.

Hein worked at the Pentagon for the last five years as a visual information specialist for the Army and had only recently changed jobs. She was at the Pentagon that day taking part in an Army internship, studying manpower analysis. A native of Springfield, Mass., she joined the Navy after high school and was sent to Virginia. She spent 10 years in the service as a photographer, married twice, and ventured into a career in computer graphics, working on government contracts.

Hein received a bachelor’s degree from Columbia Union College three years ago after taking courses on and off for 20 years. “She decided it was time to finish it,” Neff told the Post. She planned to get a master’s degree.

MYCHAL JUDGE

New York

New York City Fire Department Chaplain Mychal Judge was killed during the collapse of the World Trade Center towers while administering last rites to a dying firefighter. Fellow firefighters carried his body to St. Peter’s Church and then back to the firehouse.

Judge, 68, had been a Catholic chaplain for the New York City Fire Department since 1992. “Father Mike,” as the gay priest was known, was laid to rest in a memorial service attended by more than 3,000 and presided over by Cardinal Edward M. Egan.

Judge was also a “longtime member” of Dignity/USA, according to the Web site of the organization for “gay, lesbian, bisexual and transgendered Catholics, our families and friends.”

WILLIAM ANTHONY KARNES

New York

William Anthony Karnes and his partner, John Winter, could see Karnes’ office at Marsh & McLennon on the 97th floor of One World Trade Center from the home they shared.

On the morning of Sept. 11, 2001, the 37-year-old Karnes left for the office as usual at 8:30 a.m. The “commute,” which took about 11 minutes, would be his last. At 8:45, Winter heard what sounded like a thunder, and immediately looked out his apartment window.

“At that point, I knew probably a lot of hope was lost that I’d ever see him again,” Winter told LGNY. “Death doesn’t discriminate. Death actually transcends sexual orientation.”

JACK KEOHANE

New York

John Keohane, 41, worked at One Liberty Plaza near the World Trade Center and died when the towers collapsed. After the planes hit the Trade Center towers, Keohane met Mike Lyons, his partner of 17 years, on the street, and called his mother from his cell phone.

“They were just in the streets like everybody else,” his sister, Darlene Keohane, told the San Francisco Chronicle. “As he was talking, he had thought a third plane crashed into the building.”

What Keohane thought was a third crash was really the collapse of the South tower of the World Trade Center. While Lyons survived, Keohane was killed by falling debris.

A native of San Francisco, Keohane had lived in the New York area for a year.  Distraught over Keohane’s death, Lyons committed suicide on March 1.

MICHAEL LEPORE

New York

Michael Lepore’s friends now take care of his rosebushes and plants in the garden that had been his pride and joy.

“We used to say nothing bad could ever happen here,” Lepore’s partner of 18 years, David O’Leary, told the New York Times. “And it’s still the most important thing. It’s where I see most of Michael.”

Lepore, 39, was a project analyst at Marsh & McLennan. He shared a home, designed by Frank Lloyd Wright apprentice Edgar Tafel, with O’Leary and their three cocker spaniels, and the couple was in the midst of helping to plan Lepore’s youngest brother’s wedding.

O’Leary said, a month prior to the attacks, their house had been bustling with friends and family.

“Everything was so perfect in our lives,” he said. “Just so perfect.”

PATRICIA McANENEY

New York

Patricia McAneney, 50, always wanted to be a firefighter. While she never actually became one, she did serve as fire marshal for the floor in One World Trade Center where her employer, Guy Carpenter insurance company, had its offices.

Her friends and partner remembered her for her honesty.

“If one of us committed a crime, Pat would be the last person we could go to because she would turn you in,” McAneney’s partner of nearly 20 years, Margaret Cruz, told the New York Times. “She said she might give me a few hours’ head start.”

WESLEY MERCER

New York

Wesley Mercer, the vice president of corporate security for Morgan Stanley, was generally a quiet man. But his partner, Bill Randolph, told the New York Times that Mercer also could be a leader during a crisis.

That’s what he did on Sept. 11, 2001. The World Trade Center towers fell as Mercer helped evacuate other employees

“It put a hole in my stomach,” Randolph told the paper. “But I knew that’s what he would have done.”

Mercer, who was divorced and had two daughters, became a security officer after serving in the military, and was known for his formal style. “He always thought the way he carried himself was important,” Randolph said.

PHILIP “ROXY EDDIE” OGNIBENE

New York

“Roxy Eddie” Ognibene, a member of the Renegades of New York’s Big Apple Softball League, was killed last Sept. 11 while working as a bond trader for Keefe, Bruyette & Woods on the 89th floor of Two World Trade Center, according to Outsports.com.

Ognibene, 39, was considered by his friends to be “a strong lefty hitter, a flawless first baseman,” and a solid pitcher and outfield player, the gay sports Web site reported. Those who knew him said his sense of humor was contagious, and just to see him was to laugh out loud.

Although his work often left him too busy to pursue outside hobbies, Ognibene had a love of softball and had just recently joined the league. During one particularly nasty practice, which occurred in the middle of a downpour, Ognibene was the last to leave the field.

“I don’t care,” he said, friend Ben Moon recounted to Outsports. “I just love to play softball.”

CATHERINE SMITH

New York

Catherine Smith, 44, worked on the 92nd floor of the first World Trade Center tower as a vice president for Marsh & McLennon when tragedy struck last Sept. 11.

Smith and her partner of six years, Elba Cedeno, considered themselves very similar to Pepe Le Pew and Penelope from the Looney Tunes cartoons, according to the New York Times. “They had known each other, in passing, for 20-odd years, both frequenting the same bar,” the paper reported. Later, when both had ended other relationships, they officially met.

The two were together for six years.

“This was my soul mate. We planned to live the rest of our lives together and retire together,” Cedeno said.

From staff and wire reports

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Autos

Revving up the holidays with auto-themed gifts

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

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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

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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

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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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