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How end of foreclosure moratorium may impact LGBTQ homeowners

Help is out there for those still struggling

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Almost anyone who has ever purchased a home would agree ā€“ it is a very special and meaningful moment in life. For most of us, and often perhaps especially for those in the LGBTQ community, a home can be a place of refuge ā€“ a place where you can be part of a community and a neighborhood of others to whom you feel connected. It can be a place of support, celebration, and a starting point from which to thrive and grow with others you care about. 

Understandably, then, the idea of losing that home that you love so much can be overwhelming, to say the least. Unfortunately, thatā€™s exactly the predicament that many homeowners found themselves in as a result of the recent pandemic and all that has accompanied it. 

Until recently, under the Cares Act, homeowners across the country who found themselves in a difficult financial position as a result of the pandemic and were having difficulty making their mortgage payments were offered two types of protection: first, a foreclosure moratorium that prohibited banks from foreclosing on homes, and secondly, the right to request and receive a forbearance, which would permit homeowners to temporarily stop making mortgage payments. Both gave homeowners the option to breathe a little easier as they tried to navigate all of the unanticipated life changes that accompanied the pandemic.

Recently, however, after being extended several times, the federal moratorium on mortgage foreclosures ended. Understandably, many homeowners, including many in the LGBTQ community who relied upon the moratorium may now find themselves feeling overwhelmed and anxious about what this means from a practical perspective. Does it suddenly mean that homeowners will find themselves faced with thousands of dollars of overdue payments that had been on hold for more than a year? 

If you find yourself asking this question, know first, that you arenā€™t alone. Itā€™s estimated that around 1.75 million homeowners, or approximately 3.5% of all homes, are in some stage of the foreclosure process with their bank. While itā€™s understandable to wonder and feel worried, try not to panic. While the end of the foreclosure moratorium does mean that lenders can proceed with foreclosures, LGBTQ homeowners who find themselves in a difficult situation can still reach out for help, and there are resources available.

The Consumer Financial Protection Bureau has advised that those who received forbearance under the Cares Act and who are still experiencing financial hardship as a result of the pandemic may have the opportunity to ask for and receive an extension. The federal government has also offered a series of measures that are intended to help prevent foreclosures, including:

ā€¢ Providing qualifying homeowners with what roughly amounts to a 25% reduction in monthly principal and interest payments;

ā€¢ Continuing the requirement that mortgage servicers give those borrowers who can resume payments the option of moving missed payments to the end of the mortgage at no additional cost;

ā€¢ Offering assistance to those who are making less than they did before the pandemic, which will help them to seek work and catch up on missed tax and insurance payments.

It’s also important to keep in mind that ultimately, banks don’t currently have much incentive to foreclose on those homeowners who are behind on their mortgages. Housing prices have been steadily rising, meaning that few homeowners owe more on their mortgage than the overall value of their homes. As a result, banks are often more likely to restructure a loan, or possibly place missed payments on the back end of a mortgage. In some circumstances, a bank may attempt a forced sale instead of a foreclosure ā€“ allowing the bank to get some of its money back, and the homeowner to receive the equity they built in the home, and to move forward without a negative mark on their credit report.

In addition to helpful options offered by the government, LGBTQ homeowners facing foreclosure should reach out to their local communities and explore options that may be available there as well. Talk to realtors who know the community well and who may be aware of local assistance, counseling, or other resources. Reach out to family and friends who have been through this situation before. Donā€™t be afraid to ask for help. Sometimes, we all need it.

Lastly, itā€™s important to remember that any legal proceeding takes time ā€“ typically, a foreclosure proceeding takes at least 120 days per federal law, as well as additional time for court proceedings. For that reason, instead of panicking, remember that you have time to plan. Reach out to family and friends for leads on places that you may be able to rent or stay at while you work to get back on your feet financially. Take advantage of any offers that your bank or lender may make to work through your current financial issues and come out in a better place on the other side, if possible. Most of all, remember that this time, like all difficult times in life, is temporary. You will find a way forward, and there is a better and brighter chapter ahead. At GayRealEstate.com, weā€™re here to help you get there.

At GayRealEstate.com, helping the LGBTQ community through every aspect of the real estate experience is our passion. In many cases, this means offering assistance with the home buying and selling process and connecting LGBTQ home buyers and sellers across the country with realtors who know and love their communities, and who can ensure that the buying and selling process is the best it can possibly be. In other cases, it means being there for our LGBTQ communities across the country and helping existing homeowners continue to love and live in the homes that they own. Whatever your real estate needs, we would welcome the opportunity to speak with you and learn how we might be able to help. Contact us at any time.

Jeff HammerbergĀ is founding CEO of Hammerberg & Associates, Inc.Ā Reach him at 303-378-5526 orĀ  [email protected].Ā 

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Real Estate

Navigating DMV real estate market during political unrest

Reductions in federal employment have introduced uncertainties

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Despite Elon Muskā€™s cuts to the federal workforce, D.C.ā€™s real estate market continues to thrive. (Washington Blade file photo by Michael Key)

The  Washington, D.C.-Maryland-Virginia (DMV) region has long been recognized for its robust housing market, underpinned by the presence of the federal government and a diverse economic landscape. Recent massive reductions in federal employment have introduced uncertainties, yet the area continues to offer compelling reasons for prospective homebuyers, particularly within diverse communities.

While the federal government has traditionally been a significant employer in the DMV, the region has proactively diversified its economic base. Sectors such as technology, professional services, education, and healthcare have expanded, mitigating the impact of federal job cuts. This diversification fosters some economic resilience, which offers our area a semblance of protection against the impending unknowns that we currently face. Nothing can shield real estate entirely; however, our area tends to survive these types of changes better than other parts of the country.

Despite concerns over federal layoffs, the DMV housing market has demonstrated notable stability. Analyses indicate that the number of active listings, sold properties, and median sales prices have remained steady on a year-over-year basis. This steadiness suggests that the market is adapting to changes without significant disruption. 

Furthermore, while there has been a slight increase in home listings, this trend aligns with typical seasonal variations and does not solely reflect federal employment changes. The luxury property segment, in particular, continues to thrive, indicating sustained interest and investment in the region. 

The DMV region is renowned for its cultural and demographic diversity, with areas like Montgomery County, Md., being among the most ethnically diverse in the nation. This inclusivity extends to various communities, including LGBTQ individuals, fostering a welcoming environment that enhances the areaā€™s appeal. Even though the current administration is fostering anti-diversity ideology, I remain confident that our LGBTQ community will continue to thrive even as these destructive forces work against us.

Local governments within the DMV have implemented policies aimed at promoting affordable housing and preventing displacement, particularly in the wake of economic shifts. Initiatives like the Douglass Community Land Trust in Washington, D.C., exemplify efforts to maintain housing affordability and support community stability. 

Additionally, jurisdictions such as Montgomery County have longstanding Moderately Priced Dwelling Unit (MPDU) programs that require developers to include affordable housing in new residential developments. These policies contribute to socioeconomically mixed neighborhoods, benefiting diverse populations. 

Despite Elon Muskā€™s brandishing of a chainsaw to the federal workforce, our real estate market continues to thrive. The DMV region maintains its appeal. Economic diversification, market stability, commitment to diversity and inclusion, and progressive housing policies collectively contribute to an environment that supports and attracts diverse communities. Prospective homebuyers can find reassurance in the regionā€™s resilience and ongoing efforts to foster an inclusive and vibrant community. These are only a few among the many reasons to have a positive outlook while considering real estate options in our area.

It is important to consider working with brokerages, brokers, agents, lenders and title companies who align with our community and our objectives. Not all LGBTQ agents work for brokerages that support or understand the needs of the members of our community. Do your research and find out who has donated money to what political causes. Now more than ever we must support members of our community to protect our way of life and our very existence.


Stacey Williams-Zeiger is president/principal broker of Zeiger Realty Inc. Reach her at [email protected].

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Real Estate

New trends for old kitchens

New trends for old kitchens

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Kitchen trends favor a modern, organic style. (Photo by zstockphotos/Bigstock)

Whether you are upgrading parts of your current home to prepare it for sale or enhancing the home you just purchased, kitchens and bathrooms are still at the top of the renovation list.

Kitchen renovations have always embraced a blend of functionality, personalization, and aesthetic appeal; however, homeowners are currently moving away from sterile, uniform designs, opting instead for spaces that reflect warmth, character, and individual style. Here are some of the most prominent trends shaping kitchen renovations this year.

Warm and Earthy Tones

The dominance of all-white kitchens is waning as homeowners gravitate toward warmer, earth-toned palettes. Shades like sage green, navy blue, and natural wood finishes are becoming popular choices for cabinetry, infusing kitchens with a cozy and inviting atmosphere. This shift reflects a desire for spaces that feel more personalized and less clinical. Flat panel and Shaker cabinets continue to be popular options.

Integration of Organic Modernism

The “modern organic” style is gaining traction, characterized by using natural materials, neutral color palettes, and serene layouts. Incorporating elements like soapstone countertops, Venetian plaster walls, slate floors, and greenery not only enhances aesthetic appeal but can also increase home values significantly. Fully outfitted outdoor kitchens further contribute to this trend.

Innovative Kitchen Island Designs

Kitchen islands continue to be central features, with designs evolving to incorporate textures, wood and tile cladding, multifunctional elements, and bold colors and materials. Integrated seating areas, waterfall countertops, and the use of monolithic stone or stacked marble are becoming increasingly popular. These islands not only serve as functional workspaces but also as striking focal points within the kitchen.

Concealed Kitchens for a Sleek Look

The concept of concealed kitchens is on the rise, emphasizing built-in appliances, flush cabinetry, and appliance garages to maintain a clutter-free environment. This design approach fosters a minimalist aesthetic, creating a seamless flow between the kitchen and adjacent living areas, particularly in open-concept homes.

Personalized Cabinetry and Storage Solutions

Customization is key in modern kitchen designs, with homeowners seeking tailored storage solutions that cater to their specific needs. Features like hidden storage compartments, integrated lighting, and unique hardware choices are being favored over generic, cookie-cutter options. This trend underscores a move toward kitchens that are both functional and reflective of personal style.

Revival of Traditional Styles with Modern Twists

Traditional kitchen styles are making a comeback, with a contemporary twist. Elements such as expanded backsplash coverage, classic tile shapes and patterns, use of mixed metals, and specialty appliances are being integrated into modern kitchens, blending the charm of the past with the conveniences of the present. Custom range hoods, coffee bars and microwave drawers are increasingly added to renovation projects. This fusion creates spaces that are both timeless and equipped for modern living.

Sustainable and Natural Materials

Sustainability remains a priority, with an increased use of eco-friendly materials like reclaimed wood, recycled metals and glass, and energy-efficient appliances. This not only reduces environmental impact but also introduces unique texture and shimmer into kitchen designs, adding depth and character to the space.

Use of Bold Colors and Accents

Homeowners are becoming more adventurous with color and texture, incorporating vibrant hues and tactile materials into their kitchen designs. Features like colorful window trims, two-tone cabinets, and the use of wallpaper and feature walls add visual interest and a personalized touch to the space. In addition to the familiar white, major appliances are now shown in matte black, navy, and jewel tones of red, green, and blue. There are even vinyl wraps and magnet covers that allow for more creativity and individualization with appliances.

Integration of Smart Technology

The incorporation of smart technology continues to grow, with appliances featuring automated cooking functions, sensor reheating, and control locks becoming more prevalent. Induction stoves are entering the mix. Charging stations and touch-activated cabinet doors and faucets are also popular. LED lighting lasts longer and prevents you from having to climb a ladder to change lightbulbs on a high or vaulted ceiling. These advancements enhance convenience and efficiency, aligning with the modern homeowner’s desire for a kitchen that supports a tech-savvy and busy lifestyle.

Multifunctional Spaces

Kitchens are increasingly being designed as multifunctional spaces that accommodate cooking, dining, working, and socializing. This has led to the inclusion of features like integrated seating, versatile lighting, and adaptable layouts that can easily transition between different uses, reflecting the evolving role of the kitchen in contemporary homes. Still, donā€™t be surprised to see a resurgence of self-contained kitchens with real walls.

So, whether the kitchen you want is sleek and modern, earthy and organic, or traditional and elegant, there will always be fresh new styles, ideas, innovations and classic touches that cater to your lifestyle.

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 via DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.

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Spring cleaning your rental relationship

A guide for both landlords and tenants

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Spring is a good time to reassess your rental relationship. (Photo by neturama/Bigstock)

Spring is the season of renewalā€”a time to refresh, declutter, and make space for better things. But spring cleaning isnā€™t just for your home. Whether youā€™re a landlord or a tenant, itā€™s the perfect opportunity to reassess your rental relationship.

Are landlords feeling disconnected from tenants? Are tenants feeling like their landlord is absent? Before considering drastic steps like moving, both sides can take positive, proactive measures to improve communication, set clearer expectations, and foster a mutually beneficial relationship. This article encourages both landlords and tenants to take stock of their rental experiences and explore ways to clean up misunderstandings before they become deal-breakers.

1. Dust Off the Lease: Revisit Foundation of Your Relationship

The lease is the roadmap of your rental journey. Are both sides following it?

For Landlords:

ā€¢ Review Key Terms: Ensure you fully understand your obligations under the lease and DC law, including maintaining a habitable unit, providing essential services like heat and water, and ensuring repairs are done for safety compliance.

ā€¢ Clarify Expectations: Is there a disconnect between your expectations per the lease and what you are observing at the rental?  Remind tenants of areas that are covered in the lease in a proactive and positive manner to make sure all are on the same page.

ā€¢ Mid-Lease Check-Ins: A casual mid-lease meeting or email can clarify expectations and correct misunderstandings or interpretations of responsibilities before they become issues.

For Tenants:

ā€¢ Understand Your Rights and Responsibilities: Review your lease to see what your landlord is required to provide. In DC, landlords must ensure safe, habitable living conditions, but cosmetic changes or upgrades are not guaranteed, unless specified in the lease.

ā€¢ Know Whatā€™s Reasonable: Yes, you have a suite of rights in the District of Columbia which must be respected. Certain societal expectations may not be realistic if they werenā€™t part of the original agreement. You can always request improvements that are not required of the landlord, but be prepared to respectfully accept the outcome if the response is ā€œNoā€.

ā€¢ Proactive Communication: If you have concerns about your rental, present them as collaborative questions. For example, ā€œI noticed Xā€”how would you like for me to address this?ā€

2. Declutter Communication Channels

Miscommunication is often the root of rental frustrations. Letā€™s clean that up.

For Landlords:

ā€¢ Preferred Methods of Communication: Are you providing clear ways for tenants to reach you? Ensure youā€™re responsive to emails, phone calls, or portal messages.

ā€¢ Seasonal Reminders: Proactive messages about maintenance (e.g. start cutting the grass, apply pre-emergent weed control, etc) can reduce escalations later.

ā€¢ Feedback Opportunities: Invite tenants to share concerns in a structured mannerā€”perhaps a quarterly email check-in.

For Tenants:

ā€¢ Respectful Clarity: When reaching out, be specific about your needs. Instead of ā€œthe heater isnā€™t working,ā€ try ā€œthe heater hasnā€™t been turning on in the evenings and only blows cold air. Could someone check it this week?ā€

ā€¢ Understanding Response Times: Some complex issues take longer to resolve. Remain reasonable on expectations and consider the explanations for delays. Understanding that cosmetic concerns may not be prioritized can also help.

ā€¢ Log Your Communications: Keep a record of all major discussions for clarity and protection.

3. Polish the Relationship: Turn Good Experiences into Great Ones

Small efforts can shine a spotlight on the positive areas in your rental relationship.

For Landlords:

ā€¢ Recognize Good Tenants: Expressing appreciation for on-time rent payments or good upkeep fosters goodwill.

ā€¢ Offer Incentives: Small gestures like discounted renewal rates or minor upgrades can encourage long-term, responsible tenants.

ā€¢ Educational Resources: Provide additional information on how your tenants can maintain aspects of the home, such as garbage disposal care or HVAC filter changes.

For Tenants:

ā€¢ Be a Proactive Renter: Report maintenance issues promptly and keep the property clean and damage-free. Execute routine maintenance that is your responsibility, such as changing out air filters reliably.

ā€¢ Community Mindset: Participate in neighborhood events or property meetings, which can strengthen your relationship with the landlord.

ā€¢ Extend Courtesy: Flexibility with maintenance schedules and clear communication during repairs make things smoother for everyone.

4. Freshen Up Expectations: Reset Standards for Healthier Relationship

Spring is the perfect time to hit the reset button.

For Landlords:

ā€¢ Collaborate on Solutions: If there are tenant issues (e.g., noise complaints), approach them with a solutions-oriented mindset.

ā€¢ Transparency with Changes: If rent adjustments are necessary, provide clear explanations and as much notice as possible.

ā€¢ Renewal Conversations: Discuss future plans early to avoid surprises at lease-end.

For Tenants:

ā€¢ Understand Market Realities: Rising costs may mean rent increases. Assess whether your current rental still fits your budget and needs.

ā€¢ Negotiate Thoughtfully: If requesting upgrades or improvements, frame them as benefits for both sides.

ā€¢ Express Gratitude: A little appreciation can go a long wayā€”thank your landlord for prompt repairs or responsiveness.

5. Knowing When to Move On

Sometimes, despite best efforts, itā€™s time for a changeā€”but separation can still be positive.

For Landlords:

ā€¢ Identify Red Flags: Consistent late payments, damage, or lease violations may necessitate initiating a conversation about a potential move for the tenant.

ā€¢ Follow DC Regulations: The District of Columbia has strict tenant protection laws. Always provide proper notices and follow legal protocols to avoid complications.

ā€¢ Exit with Professionalism: Treat the end of a lease as a business transitionā€”keep emotions in check and document all steps.

For Tenants:

ā€¢ Know When Itā€™s Time to Go: If safety, habitability, or repeated issues arenā€™t resolved despite your best efforts, it may be time to move on.

ā€¢ Provide Proper Notice: Adhere to lease terms regarding notice periods and leave the property in good condition.

ā€¢ Leave on Good Terms: Positive references from previous landlords can make applying for future rentals more successful.

Conclusion: Spring Forward, Together

A little spring cleaning in your rental relationship can make a world of difference. For landlords, itā€™s about resetting expectations, enhancing communication, and retaining good tenants. For tenants, itā€™s about understanding your rights, being proactive, and collaborating for a better living experience. By refreshing how both sides approach the relationship, you can avoid unnecessary turnover and create a rental experience whereall parties can thrive. After all, sometimes a little tidying up is all it takes for a rental relationship to blossom anew.

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

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