Eric Lawrence Frazier Advisory Services HUD magazine May 2025

WEB: www.ericfrazier.co

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REAL ESTATE ARTICLES

ERIC FRAZIER SHOW

• Jamie Foxx

• Uncle Jack is a leader, Role Model, and Great Man.

• Brunch in Bloom: A Culinary Journey at 608 Dahlia in Sherman Library & Gardens

• Understanding How Climate Adaptation Strategies Are Influencing New Developments

• The Influence of International Buyers on the Palm Springs Market

• Understanding Buyer Motivations: Why People Choose Palm Springs as Their Home Base

• Emotional Intelligence in the C-Suite: A Tribute to Patty Arvielo and the Power of Authentic Leadership

• Assessing Long-Term Value: What Makes a Property Appreciate?

• The Importance of Landscaping Choices in Enhancing Property Appeal

• Confessions of a Republican

• Assessing the Viability of Co-Ownership Models for Luxury Homes in Palm Springs

BLOGS

• Why Today’s Foreclosure Numbers Aren’t a Warning Sign

• Paused Your Moving Plans? Here’s Why It’s Time To Hit Play Again

• Should I Buy a Home Now or Wait?

• What’s Your House Worth Now? The Answer May Surprise You

• What You Can Do When Mortgage Rates Are a Moving Target

GUIDE BOOK

• Things to Consider when BUYING A HOME

• Things to Consider when SELLING YOUR HOUSE

• A Guide to buying YOUR FIRST HOME

Fair Housing, Foreclosures, and the Future of Homeownership in America

By Eric Lawrence Frazier, MBA | Editor-in-Chief, HUD Magazine

April is more than a month it’s a movement Across the country, housing advocates, government leaders, nonprofit organizations, and everyday citizens take this time to honor Fair Housing Month, commemorating the passing of the Fair Housing Act of 1968 Over 50 years later, the battle for equity in housing continues, shaped by evolving policies, persistent disparities, and the daily realities facing millions of Americans.

At HUD Magazine, our mission is not only to inform but to inspire. To highlight opportunities, reveal challenges, and champion the belief that housing is a human right. In this special April edition, we turn our focus to California, where HUD homes foreclosed properties insured by the Federal Housing Administration (FHA) represent one of the most overlooked avenues for affordable homeownership, community revitalization, and wealth-building.

The Promise of Fair Housing

The Fair Housing Act was born out of protest and hope Signed into law just days after the assassination of Dr. Martin Luther King Jr., it was a clear response to decades of discriminatory practices that had locked Black families and other marginalized groups out of homeownership. It outlawed redlining, restrictive covenants, and the refusal to rent or sell housing based on race, religion, national origin, sex, or family status. Over time, protections have expanded to include disability, gender identity, and sexual orientation.

But laws are only as strong as their enforcement. In 2025, we find ourselves at a crossroads. The Trump administration, under HUD Secretary Sean Boyd Turner, has terminated the Affirmatively Furthering Fair Housing (AFFH) rule, a 2021 regulation that required municipalities to assess and address segregation in order to receive federal funding. In parallel, HUD has begun canceling contracts with nonprofits engaged in housing equity and DEI (Diversity, Equity, Inclusion) work shifting the focus of the agency toward deregulation and local control

These actions raise urgent questions What happens when federal oversight is reduced? What is the role of HUD-funded housing counseling centers, many of which serve first-time buyers navigating complex systems? And who benefits when fair housing enforcement is weakened?

These are not abstract debates they have real consequences for real people. That’s why this magazine exists: to track these changes, understand their impact, and serve as a watchdog for the policies shaping our neighborhoods.

California: Foreclosure Risk and Opportunity

In California, where housing affordability remains one of the state s most pressing concerns, the HUD Homestore is an underutilized tool. As of this month, there are dozens of HUD-owned properties listed across the state spanning major metros like Los Angeles, San Diego, Fresno, Sacramento, and the Inland Empire. These properties, once FHA-insured homes lost to foreclosure, are now available at deeply discounted prices often below market value

�� HUD Listings – California: https://www.hudhomestore.gov/searchresult?citystate=CA

These listings are a gateway to homeownership particularly for first-time buyers, working families, veterans, and investors committed to rebuilding neighborhoods. With low down payment requirements, repair escrow financing, and priority bidding periods for owner-occupants, HUD homes offer a pathway to stability in a time of uncertainty

According to the October 2024 Foreclosure Market Report by ATTOM Data Solutions, California ranked among the top three states for foreclosure starts, with 2,915 new cases in a single month Metro areas like Riverside (1 in every 1,978 homes) and Fresno (1 in 2,257) saw alarming activity. This trend reflects growing economic strain but also presents an opening for those ready to act.

�� Source: ATTOM Data – Foreclosure Market Report https //www attomdata com/news/mostrecent/october-2024-foreclosure-market-report

As real estate professionals and advocates, we must not only monitor these trends we must educate the public about the opportunity HUD homes represent. These aren’t just buildings they’re building blocks for generational wealth

The Mission of HUD Magazine

Our role at HUD Magazine is clear:

To bring awareness to the inventory of HUD homes available for sale

To highlight the incredible opportunities they represent for first-time homebuyers, investors, and nonprofits

To track and analyze HUD policy changes including those from the Trump administration that impact housing access, counseling, and funding

And to provide real estate professionals, buyers, and community leaders with tools, insights, and truth in an ever-shifting market

We are not here to sell you a dream we are here to equip you with facts so you can chase it for yourself. We believe that the American Dream is still alive, but it must be defended, redefined, and made truly accessible to all.

Fair Housing: Then and Now

Fair Housing Month comes amid shifting policies Deregulation may empower some but leave others behind, as cuts to DEI grants and housing counseling heighten risks for vulnerable families. Stay vigilant ask officials about Fair Housing plans, support local organizations, and use your platform to uplift, not exclude

�� HUD Press Office: https://www hud gov/press

�� NAR Fair Housing Month Resources: https://www.nar.realtor/fair-housing/fair-housing-month

�� Politico: “Trump scraps Biden-era fair housing rule”

https //www politico com/news/2025/02/26/trump-scraps-fair-housing-initiative-00206274

�� Associated Press “Administration to slash funding for fair housing enforcement”

https //apnews.com/article/d0c6e3b4b030787a1f60a7dc153153dd

In Closing

Whether you’re a buyer, broker, policy analyst, or just someone who believes in equity, I hope this issue speaks to you. It’s not just about data it’s about people. It’s about families who dream of a front porch. Veterans looking for stability. Investors rebuilding blighted blocks. And everyday Americans trying to reclaim their place in the housing market

Thank you for reading. Thank you for believing. And thank you for standing with us as we celebrate Fair Housing Month, spotlight California HUD homes, and monitor the state of housing justice in 2025

ERIC FRAZIER SHOW PAGE

ERIC LAWRENCE FRAZIER MBA

C A L I F O R N I A

H U D L I S T I N G

Are you worried that today’s higher costs are going to lead to a big wave of foreclosures because homeowners will struggle to make their mortgage payments? Here’s what you need to know.

While it’s true foreclosure filings may be up slightly, data shows they’re nowhere near 2008 levels

And here’s some more context you may not have heard. Unlike last time, most homeowners now have a lot of equity. That creates a financial cushion that helps give them options to avoid foreclosure

If you’ve been waiting for the housing market to give you a sign that it’s time to restart your home search – it just did.

There are 28 5% more homes for sale right now than there were at this time one year ago That means you have a lot more options to choose from for your next home.

But at the same time, inventory still hasn’t bounced all the way back to normal. It’s still down over 20% compared to 2017–2019

That makes this moment the sweet spot to make your move. You’ll have an easier time finding a home you love, and your house should still sell quickly if you work with a pro to price it right.

Savvy sellers are jumping off the fence and back into the market. And here’s why.

More options. Less chaos. Strong demand.

Inventory has been rising for 17 straight months – and experts say that’s going to continue.

That means you’ve finally got more options for your move. But if you wait too long to take advantage of that, your house will have to compete with other listings as inventory grows even more

Basically, this is the sweet spot. You have more choices right now. But you’re still selling while inventory is low. And that’s ideal for your bottom line.

Are you waiting to move because you think home prices will fall significantly? Here’s what you need to know: homeownership is about the long game. And every day you wait to buy, homes get more expensive.

Experts project home prices will increase by 3-4% per year over the next 5 years

The good news is, while prices are projected to rise, they won’t go up as drastically as they have over the past few years.

So, buying now not only lets you lock in today’s prices; it puts you in a position to build equity too

Trying to time the market rarely works. If you’re able to buy, but you’re waiting around to see what will happen with prices or mortgage rates, think about this: what’s more important, waiting for the “perfect” moment or getting ahead now?

More homes. More chances to find your perfect match.

If you hit pause on your home search because you couldnt find the right home at the right price, it’s time to hit play again.

More listings are popping up, and inventory is finally growing. That gives you fresh options that may check all your boxes

If you want to find out what’s available in our area, DM me. In the meantime, let me know: what would your dream home have to include to make you jump back in?

On average, homes are staying on the market about a week longer than they did at this time last year. And in real estate, those few extra days can be gamechanging. More time means more space to list your home, find your next one, and make smart decisions without the rush.

And yes, well-priced homes are still selling quickly The market’s cooling just enough to be the sweet spot you’ve been waiting for: less chaos, more control, and solid demand.

Want to know how many days it takes to sell a home in our market?

House hunting just got a little easier.

You have more homes to choose from – and that’s a big change after years of really low inventory. And the best part? The number of homes that have just been put on the market is picking up, giving you additional fresh options and a better chance of finding a home that fits your needs. Whether you’re buying your first home or thinking about a move, now’s a great time to kick off your search

What features or neighborhoods are at the top of your wish list right now?

Overpricing your house could cost you more than you think. Data shows the longer a house sits, the less it sells for And here’s why If a house is priced at or just below market value, it typically sells quickly But if a house is priced too high, it lingers.

As time wears on, it's more likely you’ll have to accept a lower offer, or you’ll need to make a price cut to draw buyers back in And that’s not the experience you want Want to make sure your home sells quickly and for the best price?

Let’s talk. With an agent’s expertise on your side, it’s easy to price it right.

While we’re still below pre-pandemic inventory levels, the number of homes with a for-sale sign in the yard is going up by the day. And breathe a little sigh of relief, because they’re taking a few days longer to sell, too.

Not only does that give you more choices when you move, it means you have more time to make thoughtful decisions while you’re at it. And oh, by the way –there will be demand for your house when you move because buyers are heating up right now. Win. Win. So, if you pressed pause on your search last year because you couldn’t find the right fit, this could be your moment to start looking again

What will it take to reignite your home search? Let me know, and we’ll make it a priority.

Are you feeling frustrated by the lack of options in your price range? Here’s some advice. Check out townhomes. Because they’re usually smaller, they can be more affordable, too And there are more hitting the market than we’ve seen in years That gives you more options, potentially in your price point

So, let’s chat if you want to see if this type of home would make sense for you and your lifestyle.

In the meantime, let me know: what matters most to you? Space, location, or price?

Do you think waiting to buy might save you money? Think again

While today’s market isn’t always easy, the longer you wait, the more you’ll spend.

Experts say home prices will keep climbing for at least the next 5 years – and on the typical $400K home, that means the same house would cost nearly $80K more

But, if you buy now, you could gain that same amount in equity over the next 5 years.

The question isn’t if prices will go up - it’s whether you’ll be the one benefiting from them as they do Would you walk away from $80K?

So, what’s your next move? Message me and I’ll show you what the numbers look like for our market today.

You may not know it, but your house could be a hidden goldmine Here’s why

Over the last 5 years, home prices have grown by nearly 60%.

And, since most people have lived in their homes for even longer than that, a lot are finding out their home’s value has really skyrocketed

Once you sell, you can use that equity to help you fund your next move, pay for renovations that add value to your home, or even kickstart a new business.

If you want to see the value you’ve built and talk about how you can use your equity, Message me I’ll show you what you’re working with

On average, homes are staying on the market about a week longer than they did at this time last year. And in real estate, those few extra days can be gamechanging. More time means more space to list your home, find your next one, and make smart decisions without the rush.

And yes, well-priced homes are still selling quickly The market’s cooling just enough to be the sweet spot you’ve been waiting for: less chaos, more control, and solid demand.

Want to know how many days it takes to sell a home in our market?

With more homes for sale, some sellers are coming around to the idea of concessions

From adjusting the price to helping with closing costs, throwing in a home warranty or appliances, even giving you credit so you can make repairs, sellers may be more willing to compromise But making sure you know how to ask and what to ask for is key That's why it’s important to have the right agent by your side.

Which concession would make the biggest difference for you? Let me know, and we’ll factor that into your home search

Spring is here, and so is the busiest season in real estate That means competition may be picking up If youre thinking about buying a home, here’s what you can do about it. Get pre-approved for your home loan before you even start house hunting. It helps you know your budget and will make your offer look stronger for sellers.

Reach out to a lender to make sure you’re ready when you find the one Waiting too long to get your pre-approval could mean the perfect home slips away.

What’s your plan to stand out in this competitive spring market?

Jamie Foxx

Open Letter to Jamie Foxx: Reflections on Faith, Suffering, and Purpose

�� Did you see the Netflix special "What Had Happened was?” It was emotional and captivating, and Jamie Foxx's performance was fantastic However, in sharing his story, Jamie made a statement that unintentionally offended many people. In this open letter, I want to offer my perspective on what Jamie said about his brain bleed and stroke.

Please check out The Eric Frazier Show, where we discuss Faith, Family, and Finances. I’m Eric L. Frazier, MBA, and today I want to address something important that Jamie Foxx shared with the world. His vulnerability is admirable, but there's a deeper truth we need to understand about suffering and God's purpose in our lives. ����

Jamie, My Brother...

Jamie, my brother, I need to say this: God did not choose you to have a brain bleed and stroke to slow you down. God did not punish you for your actions by giving you this traumatic experience. You’re not unique in this suffering. It happens to thousands of people every year. Your story is deeply personal, but it doesn’t mean God singled you out for any special reason.

In your special, you said, “I am Jamie MF Foxx. Stuff like this is not supposed to happen to me.” But did you know that every year, nearly 795,000 people in the U.S. suffer a stroke? That’s not unique. ��

A brain hemorrhage, or intracranial hemorrhage, is when a blood vessel in the brain ruptures. This accounts for about 13% of all strokes. It can happen to anyone, anytime. It doesn't mean God is punishing someone or trying to wake them up. God doesn’t need to test us in that way. His love for us is constant and never wavers.

Understanding Suffering & God's Intentions

Many people misinterpret the story of Job, believing God uses suffering to test faith. But that’s not true. God doesn’t inflict harm on us to see how we’ll respond. Jesus Christ already took on the burden for our sins. ����

God’s desire is not to test us through suffering, but to love us and help us grow in faith. He is always present, showing us mercy and offering healing, not punishment.

Jamie, You're Not Alone

Suffering happens to everyone, and it’s important not to blame God for it. God is good, and everything He does is good.

God isn’t using Satan or any other forces to test our resolve. He wants us to love Him and trust in His plan for our lives. Suffering is a part of living in a broken world, but God provides us with strength to endure.

A Wake-Up Call: What Can Jamie Foxx Do Now?

Jamie, you have an incredible influence and platform. You can use your voice to help others who are struggling and suffering. I recommend that you form a 501(c)(3) church, continue sharing your story, and provide real support for those who need it the most: the homeless, the sick, the hungry, and those suffering from addiction and mental illness. ��

You are the church, Jamie. The church isn’t just a building. It’s the community of believers you are part of that community And it’s time to lead with purpose and use your influence to change lives for the better. ��

Call to Action: Let's Make a Difference

Jamie, if you're reading this, I would love to help you create this movement Together, we can bring healing, hope, and change to millions of people who need it. Let’s make a real impact in the world, one step at a time.

Uncle Jack is a leader, Role Model, and Great Man.

“Let

Me Tell You About Uncle

Jack"

By Eric Lawrence Frazier, MBA

My wife is the niece of Jack Costa, who was married for 30 years to her beloved Aunt Dorothy Costa. I loved Uncle Jack. I love Aunt Dorothy. What a beautiful couple they were and what a powerful example of enduring love, strength, and commitment they still are to all of us.

Aunt Dorothy wasn’t just Jack’s wife she was his rock, his best friend, and his fiercest protector She walked with him through joy and pain, through good days and hard ones She cared for him tenderly until the very end, and even now, she stands tall as the heart and soul of our family.

When Uncle Jack passed on New Year’s Day 2025, our entire family flew up to Oakland for the memorial service. ���� It was held at Chapel of the Chimes, and let me tell you it was packed. Not a dry eye in the place. Not because we were mourning without hope but because we were overwhelmed by the depth and beauty of a life so well lived, and a love so richly shared.

So let me tell you about Uncle Jack—and the extraordinary woman who stood by his side.

“A Vapor, Then a Legacy: The Life and Love of Uncle Jack Costa” “What is your life? It is even a vapor, that appeareth for a little time, and then vanisheth away.”

James 4:14 (KJV)

On January 1, 2025, while the world was counting down a new year, Jack Costa quietly completed his journey on earth having lived 103 years and 24 days. His life was not only long in years but deep in meaning, rich in struggle, and triumphant in love He was the kind of man who didn’t just pass through time he shaped it. Born into Adversity, Raised for Greatness

December 8, 1921 Alameda County, California

Jack was born into a world where the odds were never in his favor. Alameda wasn’t just majority white it was openly hostile to Black residents. The Ku Klux Klan had 85 members locally and even held a convention in the area Life for a Black family wasn’t just difficult it was dangerous.

Jack came from first-generation Black immigrant roots He spoke Portuguese and Creole, a West African dialect of Portuguese languages that connected him to a proud and resilient heritage. He was raised on a small farm, where he and his family raised chickens, goats, and rabbits, trading for the things they couldn’t grow or afford

There was no safety net. There was no luxury. There was only faith, family, and hard work. Life in the 1920s: Economics and Survival

To understand how remarkable Jack’s journey was, consider the world he was born into:

• �� Average cost of a house in 1921: $6,296

• �� A new Ford Model T: $350

• �� Loaf of bread: 12 cents

• �� Gallon of milk: 55 cents

• �� Average yearly wage: ~$1,200 (and far less for Black Americans)

There was no federal minimum wage it wouldn’t come until 1938. Racial discrimination meant Black workers were paid even less and often barred from good-paying jobs altogether.

But Jack without privilege, without formal wealth found a way.

He worked right after high school, never expecting a handout, only asking for a chance. And when war called, he answered

A Soldier in a Segregated Army

Three years after graduating, Jack joined the U.S. Army as a Military Police officer. It was 1942, and the world was at war but so was America, with its own conscience.

Jack wore the uniform, but still couldn’t eat in the same cafés as white soldiers.Worse still, German POWs were treated better than he was allowed to dine in places where Jack was denied because of the color of his skin

He saw the ugly underbelly of racism, not just at home but within the military itself. Yet he didn’t let bitterness consume him He came back in 1945, honorably discharged, with dignity intact and purpose still burning.

From MP to Dockworker: Building a Future in the Face of Barriers

Back in the Bay Area, Jack began working on the Oakland docks. It was hard, physical work but it was honest, and it paid well compared to many jobs available to Black men.

In the 1940s:

• �� Average home price: $3,775

• �� New car: $920

• ⛽ Gallon of gas: 15 cents

• �� Movie ticket: 30 cents

• �� Minimum wage (1945): 40 cents/hour (again, not equally enforced)

Yet Jack didn’t just survive he thrived. He bought a home. He built a family. He navigated the impossible economy of the times by living beneath his means, working tirelessly, and building slowly like a craftsman shaping a masterpiece one nail at a time.

Love, Loyalty, and the Quiet Strength of Dorothy Costa

Behind every great man is a greater woman and for Jack, that was Dorothy Costa. His wife, his friend, his partner of 30 years.

She stood by his side not for show, not for praise, but for love Through every illness, every ache, every test of time, she remained. When his body weakened, her strength increased. When his memory faded, her devotion did not.

Dorothy showed us all that real love is commitment

Not the kind captured in selfies or hashtags but the kind that says “I’m still here,” day after day, year after year, until the very end.

She is the shining example of what marriage should look like In her, Jack found his peace And through her, we all witnessed the sacred beauty of vows kept.

A Legacy Measured in More Than Years

Jack Costa lived:

• �� 103 years

• �� 1,236 months

• �� 5,372 weeks

• �� 37,606 days

• ⏰ 902,544 hours

• �� 54,152,640 minutes

• �� 3,249,158,400 seconds

That’s over three billion chances to give, to build, to speak truth, to leave footprints.

And that’s what he did. Without fanfare. Without a following. But with faith, fortitude, and family.

Final Reflection: The Role Model Who Never Asked for Praise

“We’re all role models. Good or bad. Somebody’s always watching.”

– Uncle Jack Costa

Jack never tried to impress he simply expressed who he was.

A man. A worker. A father. A husband. A soldier. A believer. A builder.

In a world that often told him “no,” he carved out his own “yes.”

He showed us that greatness isn’t about the spotlight it’s about consistency

That success isn’t about ease it’s about endurance.

Uncle Jack Costa was a vapor, yes But he left a cloud of legacy so rich, so textured, so enduring—it will never vanish.

Brunch in Bloom: A Culinary Journey at 608 Dahlia in Sherman Library & Gardens

There are few places where nature and cuisine blend so seamlessly that the experience becomes more than just a meal it transforms into a moment of pure indulgence 608 Dahlia, nestled within the lush Sherman Library & Gardens in Newport Beach, California , is precisely such a place.

This past Sunday, my family and I gathered for brunch to visit with my daughter Erica, son-in-law Bo, granddaughter Ava, and my newest grandchild, Kobi Daniel, Bo’s father, had just arrived from Texas for a two-week visit to meet his new grandson. It was a perfect day low 70s , blue skies, and the salty ocean breeze whispering through the gardens We hung out and truly enjoyed the atmosphere and the day

A Hidden Gem in the Heart of Newport Beach

Located just off Pacific Coast Highway, 608 Dahlia sits inside the Sherman Library & Gardens, a 2.2-acre horticultural oasis filled with exotic plants , tranquil koi ponds ��, and stunning floral arrangements . It's a hidden paradise amid the coastal charm of Newport Beach You step off Pacific Coast Highway and into a sanctuary of beauty, peace, and gourmet excellence. It’s almost shocking that a place like this could be right off the main highway yet offer over two acres of breathtaking plant life and flowers

A Brunch Worthy of a Masterpiece

With a world-renowned chef, 608 Dahlia’s menu is a curated selection of organic, locally sourced ingredients, handcrafted into culinary masterpieces. Every dish is a work of art, from sustainably raised meats and fresh seafood to vibrant salads bursting with color and flavor

I knew that deciding what to eat would be a tough decision , but as the last person to order, I finally made my choice. I went with the Cultivar Salad and let me tell you, it did not disappoint. Erica and Bo chose the Dahlia Salad, while Daniel opted for the Salmon Lunch, a beautifully plated dish featuring fresh, perfectly cooked salmon . Ruby, my wife, selected the Soup & Sammy , a divine combination of lobster bisque and smoked salmon on toast layered with arugula, honey, and a symphony of fresh herbs and seasonings.

The food and the presentation were amazing.

Mortgage rates have been extra volatile lately. That may have you questioning if you want to move forward with your move right now with all the uncertainty.

But rather than trying to time the market, focus on what you can actually control

You can’t control what rates are doing or when they’ll come down. But that doesn’t mean you’re powerless.

To get the best rate possible for today’s market, work on improving your credit score, being intentional with what loan type you choose, and considering what loan term gives you the lowest rate.

If you want to explore what’s possible, connect with a trusted lender.

Do you have a move on your mind? You should know studies show the best months of the year to sell your house are April and May.

Thats because that’s when buyers are most active

Right now, we’re in that ideal selling window. And listing your house today could mean a higher profit, and that it sells quickly.

With this being the prime time to sell, what’s holding you back from making your move this spring? And what would help you feel ready? Message me and let’s talk about it.

Understanding How Climate Adaptation Strategies

Are Influencing New Developments

IIn recent years, the real estate sector has increasingly recognized the imperative of integrating climate adaptation strategies into new developments. This shift is not merely a response to environmental concerns but also a strategic move to enhance property resilience, reduce operational costs, and meet the growing demand for sustainable living

A notable example of this trend is observed in Palm Springs, where developers are proactively incorporating sustainable designs, water conservation measures, and energy-efficient technologies into their projects

Sustainable Designs: Building for the Future

Sustainable design is at the forefront of modern real estate development. In Palm Springs, developers are embracing architectural practices that minimize environmental impact while maximizing efficiency and comfort. This includes the use of locally sourced and renewable materials, such as bamboo and recycled wood, which have lower embodied energy than traditional construction materials Additionally, energy-efficient materials like low-emissivity glass and advanced insulation are becoming standard, reducing the need for artificial heating and cooling. These practices not only contribute to environmental preservation but also result in long-term cost savings for property owners

Water Conservation: A Precious Resource

Water scarcity is a pressing issue, particularly in arid regions like Palm Springs. To address this, developers are implementing innovative water conservation techniques. Rainwater harvesting systems capture and store rainwater for non-potable uses such as irrigation and toilet flushing, significantly reducing reliance on municipal water supplies. Low-flow fixtures, including faucets and showerheads, are installed to decrease water consumption without compromising functionality. Moreover, greywater recycling systems treat and reuse water from sinks and showers for landscaping purposes, promoting sustainable water use throughout the development.

Energy-Efficient Technologies: Powering Sustainable Living

The integration of energy-efficient technologies is transforming the real estate landscape. In Palm Springs, developers are incorporating renewable energy sources, such as solar panels, to power homes and communal areas. For instance, Babcock Ranch, a solar-powered community, utilizes an 880-acre solar field to meet its energy needs, showcasing the potential of renewable energy in residential developments Additionally, energy-efficient lighting systems, like LED fixtures, and smart home technologies that optimize energy consumption are becoming commonplace. These advancements not only reduce the carbon footprint of properties but also offer residents significant savings on energy bills

The incorporation of climate adaptation strategies in real estate development is no longer a niche consideration but a mainstream necessity. By adopting sustainable designs, implementing water conservation measures, and integrating energy-efficient technologies, developers in Palm Springs are setting a benchmark for future projects. These practices not only address environmental challenges but also enhance property value and appeal to the growing segment of eco-conscious consumers As the real estate market continues to evolve, embracing these strategies will be crucial in building resilient, sustainable communities.

Are you interested in exploring properties that prioritize sustainability and resilience? At Brandy Nelson Associates, we specialize in connecting clients with developments that incorporate cutting-edge climate adaptation strategies. Visit our website at https://brandynelson.com/, reach out via email at brandy@brandynelson.com, or call us at (760) 238-0552 to discover how we can assist you in finding your ideal eco-friendly property.

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The Influence of International Buyers on the Palm Springs Market

Challenges Faced by International Buyers

Despite the allure of Palm Springs, international buyers encounter several challenges:

TThe Palm Springs real estate market has long been a magnet for international buyers, whose investments have significantly influenced local property dynamics.

Understanding the trends, challenges, and opportunities associated with global investment is crucial for residents and stakeholders in the area.

Introduction

Nestled in the Coachella Valley, Palm Springs is renowned for its stunning landscapes, favorable climate, and vibrant cultural scene. These attributes have not only attracted domestic buyers but also piqued the interest of international investors seeking vacation homes, rental properties, or secure real estate investments The influx of foreign capital has played a pivotal role in shaping the local housing market, influencing property values, availability, and community demographics. This article explores the impact of international buyers on Palm Springs' real estate, highlighting current trends, potential challenges, and emerging opportunities

Trends in International Investment

International buyers have consistently contributed to the Palm Springs real estate market. Notably, Canadian investors have been prominent, drawn by the region s appealing climate and lifestyle According to data, foreign buyers, largely from Canada, represent 14% of remote owners in the area. Additionally, a significant portion of remote owners, approximately 67.8%, come from other California cities, with the state closest in sales to California being Washington at 6%.

The preference among international buyers often leans towards attached homes, with 73.6% of such properties being remotely owned. This trend underscores the appeal of low-maintenance properties that can serve as vacation homes or rental investments.

Currency Fluctuations: Variations in exchange rates can affect purchasing power, making real estate investments more expensive or less predictable Regulatory Hurdles: Navigating local real estate laws, taxation policies, and ownership regulations requires due diligence and often professional assistance.

Market Dynamics: The Palm Springs real estate market has shown signs of cooling, with average home prices dropping 9% compared to the previous year. This shift towards a buyer's market, characterized by increased inventory and longer selling times, can influence investment decisions.

Challenges Faced by International Buyers

Despite these challenges, Palm Springs offers several opportunities:

Favorable Market Conditions: The recent cooling of the market, indicated by a 9% drop in average home prices, presents potential bargains for buyers ready to invest.

Rental Income Potential: The city's popularity as a tourist destination ensures a steady demand for short-term rentals, providing a lucrative income stream for property owners.

Long-Term Appreciation: Despite short-term fluctuations, Palm Springs' real estate has historically appreciated, offering potential long-term gains.

Conclusion

International buyers have undeniably left an indelible mark on Palm Springs' real estate landscape. Their investments have contributed to the area's growth and diversity, shaping market trends and property values. While challenges exist, the opportunities presented by the current market dynamics make Palm Springs an attractive destination for global investors. For residents and stakeholders, staying informed about these influences is essential to navigate and thrive in the evolving real estate environment.

If you're considering exploring the Palm Springs real estate market, whether as a buyer, seller, or investor, Brandy Nelson Associates is here to assist you With our deep local expertise and commitment to client satisfaction, we can help you navigate the complexities of the market to achieve your real estate goals. Visit our website at https://brandynelson.com/, email us at brandy@brandynelson.com, or call us at (760) 238-0552 to get started today.

Did you know? Pre-approval from a lender is one of the first steps you’ll want to take if you’re looking to buy a home.

That’s when a lender will tell you what you’ll be able to borrow for your home loan – and that information is really important to get before you even start looking at houses.

If you’re eager to start your home search, trust me, it’s worth it to get pre-approved first. Reach out to a lender to get that process started.

Are you thinking about buying your first home? Chances are at least some of these questions have crossed your mind.

But here’s the thing every first-time buyer has these thoughts. And the truth is, most of them aren’t even issues. With the right plan and the right pro to help you along the way, you can take control.

What’s your biggest fear about buying a home? Drop it in the comments and I’ll give you some perspective to ease that worry for you.

Understanding Buyer Motivations: Why People

Choose Palm Springs as Their Home Base

Economic Advantages

From an economic perspective, Palm Springs offers several benefits. The city boasts lower property taxes compared to other major cities in the state, making homeownership more accessible and financially attractive. This aspect is particularly appealing to retirees and individuals seeking a cost-effective yet highquality lifestyle.

Additionally, the cost of living in Palm Springs is relatively lower than in other metropolitan areas, allowing residents to enjoy a comfortable lifestyle without the financial strain often associated with larger cities The availability of quality healthcare facilities, such as the Desert Regional Medical Center and Eisenhower Health, further enhances the city's appeal, especially for retirees.

Community Offerings

PPalm Springs has long been a sought-after destination, not just for vacationers but also for those seeking a permanent residence.

Understanding the motivations behind this choice offers valuable insights into the city's unique appeal. This article explores the key factors driving individuals to establish Palm Springs as their primary home, focusing on lifestyle preferences, economic advantages, and distinctive community offerings

Lifestyle Preferences

One of the most compelling reasons people choose to reside in Palm Springs is its exceptional climate. With over 350 days of sunshine annually, residents enjoy a plethora of outdoor activities year-round. The city s natural beauty, framed by the San Jacinto and Santa Rosa mountains, provides a stunning backdrop for daily life. Outdoor enthusiasts can indulge in hiking, biking, and golfing, taking full advantage of the scenic surroundings.

Moreover, Palm Springs is renowned for its mid-century modern architecture, attracting those with an appreciation for design and aesthetics. The city s commitment to preserving this architectural style ensures a unique and visually appealing environment for its residents.

Palm Springs is celebrated for its inclusive and diverse community. With one of the highest per-capita LGBTQ+ populations in the nation, the city fosters a welcoming atmosphere for all. Numerous LGBTQ+-owned businesses, events, and organizations contribute to a vibrant social scene, promoting a strong sense of belonging among residents.

The city s cultural landscape is equally rich, hosting annual events like the Palm Springs International Film Festival and Modernism Week. These events, along with local galleries, theaters, and live music venues, ensure a dynamic and engaging environment for residents.

Conclusion

In conclusion, the decision to make Palm Springs a primary residence is influenced by a combination of favorable lifestyle factors, economic benefits, and a supportive community environment. The city's sunny climate, architectural charm, and inclusive culture create a compelling case for those seeking a new place to call home.

If you're considering making Palm Springs your home, Brandy Nelson Associates is here to assist you in finding the perfect property. Visit our website at https://brandynelson.com/, email us at brandy@brandynelson.com, or call us at (760) 238-0552 to start your journey toward owning a home in this exceptional city.

Emotional Intelligence in the C-Suite: A Tribute to Patty Arvielo and the Power of Authentic Leadership

Emotional Intelligence in the C-Suite: A Tribute to Patty Arvielo and the Power of Authentic Leadership

What Patty Arvielo said about women who cry at work is both profound and necessary. She challenged a deeply embedded workplace myth that crying is a sign of weakness and instead called it what it truly is: authenticity. Emotional intelligence. Fearlessness.

Let’s be honest. In far too many corporate environments, women who show emotion especially through tears are labeled as unstable, dramatic, or weak. Meanwhile, men who express anger are often seen as strong, passionate, and decisive. That contradiction is not just a cultural bias it’s gender discrimination. And it’s one of the many reasons why women are still underrepresented in leadership across nearly every industry.

What makes Patty’s message so powerful is not just what she said, but who she is. This isn’t coming from someone sitting on the sidelines. This is coming from a Latina CEO, a co-founder of one of the largest independent mortgage lenders in the country New American Funding (NAF). This is a woman who has climbed to the top of a competitive, male-dominated industry because of her emotional intelligence, not in spite of it.

Patty isn’t just correcting a misconception about women’s emotions; she’s holding up a mirror to men especially those of us in leadership and telling us plainly: if you see a woman’s tears as weakness, you’re not only misinterpreting the moment, you’re exposing your own lack of emotional intelligence.

We are not robots. We are human beings. And part of being human is being moved by the pain, joy, disappointment, or struggle of others. That ability to feel and to act on those feelings that’s not weakness That’s leadership That’s authenticity at its best And it’s courageous

Can you imagine a man in the C-suite of a Fortune 500 company publicly making a statement like this? He’d likely be dismissed, labeled soft or overly emotional maybe even accused of being “too liberal.” The double standard is clear. But Patty Arvielo can say it because she is that woman who cries, and because her tears never held her back. In fact, they may be the very thing that propelled her forward

Her tears reflect her truth. And when you are living in your truth, you become someone people trust. People follow leaders who listen, but even more so, they follow leaders who feel leaders who take action not just from the head, but from the heart.

Maybe that’s the secret sauce behind NAF’s success. This is a woman-led, Latino-owned organization rooted in values. Committed to homeownership for people of color. Committed to fairness, equity, and opportunity And not just talking the talk NAF is walking it They’re one of the largest mortgage lenders in California, the largest mortgage market in the world. Nationally, they rank 13th. That’s no accident.

Patty’s leadership is not just a lesson to men it’s advocacy for women. She’s giving voice to the unspoken. She’s elevating what has often been dismissed. And in doing so, she’s setting a new standard not just for how women lead, but for how all leaders should show up: with empathy, with courage, and with unshakable authenticity.

I am honored to know her I am proud to have interviewed her on The Power Is Now And I will continue to celebrate her work not just as a Latina business leader or a woman in finance but as a force of nature who is helping redefine what leadership should look like.

What NAF is doing through its outreach to African Americans and Latinos through programs like New American Dream and Latino Focus isn’t just business. It’s legacy work. It’s advocacy in action. And that advocacy starts at the top with a woman unafraid to feel, to cry, and to lead from the heart.

That’s Patty Arvielo. That’s the future of leadership. And that’s the power of now.

Interested in learning more about authentic leadership, real estate, or how we uplift communities through homeownership and advocacy?

Reach out today because the power is now

Assessing Long-Term Value: What Makes a Property

Appreciate?

nderstanding the factors that contribute to property appreciation is essential for homeowners and investors aiming to maximize long-term value. While the real estate market is influenced by various elements, key drivers such as location, market trends, and property improvements play pivotal roles in determining a property's appreciation over time.

Location: The Cornerstone of Property Value

The adage "location, location, location" holds significant truth in real estate. A property's geographical position greatly influences its value and potential for appreciation. Proximity to quality schools, for instance, is a major consideration for many buyers. Homes situated near reputable educational institutions often command higher prices due to the demand from families seeking excellent education opportunities Additionally, access to amenities such as parks, shopping centers, and healthcare facilities enhances a property's desirability. Conversely, properties located in areas with high crime rates or lacking essential services may experience slower appreciation or even depreciation.

Market Trends: The Influence of Supply and Demand

Market dynamics, particularly the balance between supply and demand, significantly impact property values. In regions where demand outpaces supply, property values tend to rise. For example, areas experiencing job growth attract more residents, increasing the demand for housing and driving up prices. Conversely, an oversupply of homes can lead to stagnation or decline in property values. Staying informed about local economic developments, employment opportunities, and population growth trends can provide valuable insights into potential property appreciation.

Property Improvements: Enhancing Value Through Upgrades

Investing in property improvements is a tangible way to boost a property's value. Upgrades that enhance functionality, aesthetic appeal, or energy efficiency can make a property more attractive to buyers. Renovations such as modernizing kitchens and bathrooms, adding energy-efficient windows, or improving landscaping not only increase immediate value but also contribute to long-term appreciation However, it's crucial to consider the cost of improvements relative to the expected increase in property value to ensure a favorable return on investment.

Environmental Factors: The Impact of Climate Risks

Environmental considerations are becoming increasingly important in property valuation. Areas prone to natural disasters such as wildfires, floods, or hurricanes may see a negative impact on property values. For instance, regions experiencing frequent wildfires have faced challenges in maintaining property values due to increased insurance costs and potential risks. Homeowners and investors should assess environmental risks and consider mitigation measures to protect property value.

Conclusion

Assessing long-term property appreciation requires a comprehensive understanding of various influencing factors. Location remains a fundamental determinant, with proximity to quality schools, amenities, and safe neighborhoods enhancing value. Market trends driven by supply and demand dynamics also play a critical role, as does the strategic implementation of property improvements. Additionally, environmental factors and climate risks are increasingly impacting property values, underscoring the importance of thorough due diligence. By considering these elements, homeowners and investors can make informed decisions to foster property appreciation over time.

Navigating the complexities of property appreciation requires expertise and local market knowledge. At Brandy Nelson Associates, we specialize in providing personalized real estate guidance to help you make informed investment decisions Whether you're looking to buy, sell, or invest, our team is here to assist you every step of the way. Contact us today at (760) 238-0552 or email brandy@brandynelson.com to schedule a consultation Visit our website at https://brandynelson com/ for more information Let s work together to achieve your real estate goals.

Climate Adaptation Strategies in Property Development

of Landscaping of Landscaping

Choices in Choices in Enhancing Enhancing Property Property Appeal Appeal

The Impact of Landscaping on Property Value

n today's competitive real estate market, the exterior appearance of a property plays a pivotal role in attracting potential buyers and enhancing market value. Thoughtful landscaping not only boosts curb appeal but also contributes to the property's overall functionality and sustainability. As climate considerations become increasingly important, integrating climate adaptation strategies into landscaping and property development is essential for long-term value and resilience. First impressions are crucial in real estate transactions. A well-maintained and aesthetically pleasing landscape can significantly increase a property's perceived value. According to real estate experts, properties with attractive landscaping can see an increase in value by up to 20%.

Elements such as healthy lawns, colorful flower beds, and neatly trimmed hedges create an inviting atmosphere that appeals to potential buyers.

Beyond aesthetics, functional outdoor spaces add tangible value. Features like patios, decks, and garden seating areas extend living spaces, offering areas for relaxation and entertainment. Incorporating native plants and sustainable practices not only reduces maintenance costs but also appeals to environmentally conscious buyers. For instance, using drought-resistant plants in arid regions conserves water and aligns with sustainable living practices.

As climate change impacts become more pronounced, integrating climate adaptation strategies into property development is imperative. Housing plays a frontline role in addressing climate challenges, with the residential sector accounting for a significant portion of global greenhouse gas emissions. Implementing energy-efficient designs, utilizing sustainable materials, and incorporating green spaces are essential steps in creating resilient communities.

Incorporating natural elements like trees and shrubs can provide shade, reducing reliance on air conditioning and lowering energy costs. Additionally, green roofs and walls can improve insulation and manage stormwater runoff, mitigating the effects of heavy rainfall and reducing the urban heat island effect. These strategies not only enhance the property's resilience to climate impacts but also contribute to the wellbeing of its occupants.

Balancing Heritage and Climate Adaptation

Incorporating climate adaptation measures can sometimes conflict with heritage preservation efforts For example, in Paris, the installation of shutters—a costeffective cooling measure faces resistance due to heritage concerns. Balancing the need for climate resilience with the preservation of historical aesthetics requires thoughtful planning and collaboration between stakeholders.

Thoughtful landscaping and the integration of climate adaptation strategies are essential components in enhancing property appeal and market value. By creating aesthetically pleasing and functional outdoor spaces, property owners can attract potential buyers and achieve higher returns on investment. Moreover, adopting sustainable practices and resilient designs ensures that properties remain valuable and livable in the face of changing climate conditions. As the real estate market evolves, prioritizing these elements will be key to meeting the demands of modern buyers and building sustainable communities.

Transform your property into a buyer’s dream with expert real estate guidance from Brandy Nelson Associates. Whether you re selling or buying, our team specializes in maximizing property appeal and market value through proven strategies. Ready to make the most of your investment? Contact us today to discuss how we can help you achieve your real estate goals. Visit our website at https://brandynelson.com/, email us at brandy@brandynelson.com, or call us at (760) 238-0552 to get started. Let’s work together to turn your vision into reality!

Then there was Ava, my one-and-a-half-year-old granddaughter, perhaps the most memorable part of the day. Full of energy and curiosity, she greeted everyone in the restaurant her favorite word, "Hi!" �� was on repeat She has no fear of strangers, which is adorable �� and slightly concerning We are going to have to watch that!

We ordered the kids' chicken tenders �� for her meal, expecting a small portion appropriate for a toddler What arrived was anything but a kids' meal Instead, the kitchen delivered three massive, golden-brown chicken tenders, each big enough to feed an adult. One bite, and we were hooked! �� We shamelessly stole one, cut it up, and shared it among the adults Thank God Ava didn’t notice and there was so much chicken that she wouldn't have missed it even if she had! ��

�� Pro Tip: If you visit 608 Dahlia, order the kids chicken tenders as an appetizer. I’m not joking it’s one of the best things on the menu ��

�� The Salads That Stole the Show ��

While many restaurants focus on their main entrées, 608 Dahlia elevates the art of salad-making to a level I’ve never seen before Each salad is a vibrant, flavor-packed masterpiece with fresh produce, nuts, cheeses, and perfectly balanced dressings. The presentation is breathtaking �� , with every ingredient meticulously arranged to create a plate that looks like a painting and tastes like perfection. ��✨

It was the first time I’ve ever been to a restaurant where the salads were truly the stars of the menu and that says a lot

�� A Stroll Through Paradise ��

After brunch, we wandered through the Sherman Gardens, taking in the lush greenery, the rare plant collections, and the serene koi ponds The atmosphere was nothing short of magical Walking along the stone pathways, surrounded by towering palms, vibrant orchids, and the gentle sounds of trickling fountains, we felt transported to another world ��✨

⭐ The Verdict? An Absolute Must-Visit! ��

If you’re looking for a brunch experience that transcends the ordinary, 608 Dahlia is your spot. The setting is breathtaking ��, the service is impeccable ��, and the food is truly unforgettable Whether you re a local or visiting Newport Beach, this hidden treasure is well worth your time.

We were so enamored with the experience that we booked our Mother’s Day brunch on the spot a table for 10! �� If you’re considering visiting, make reservations now because this place fills up fast and for a good reason.

�� Next time you’re in Newport Beach, detour into paradise and treat yourself to a brunch experience you won’t forget I’ll see you there! ����

�� The Power Is Now! ��

As the CEO of The Power Is Now Media, I always emphasize the importance of real estate, homeownership, and community Still, experiences like this remind us that lifestyle is just as important. Newport Beach is an incredible place to live and visit, and 608 Dahlia is a perfect example of the hidden gems that make Southern California so exceptional ����

If you’re considering buying or selling real estate in Newport Beach or anywhere in California, The Power Is Now is here to help. Visit our website, follow us on social media, and stay tuned for more insider recommendations on the best places to live, dine, and experience life ����

Confessions of a Republican

Introduction:

A Moment of Reflection

On Inauguration Day, January 20, 2025, I sat with my wife and youngest daughter and watched the inauguration of Donald J. Trump as the 47th president of the United States. ��As I absorbed the pomp and circumstance the speeches, the prayers, the military salutes, the music, and even how Carrie Underwood could still sing acapella when the music failed to start. ��✨ I was filled with pride to be an American and to be a witness, with the world, of America’s greatness on display. ���� America has its share of problems, but without a doubt, it is the greatest country on the planet, and a shining example of what democracy and what a peaceful transition of power should look like around the world. ��

Welcome to The Eric Frazier Show, where we discuss Faith, Family, and Finances �������� I’m Eric L. Frazier, MBA, and today I want to talk about the inauguration and presidency of Donald Trump.

At 62 years old, I no longer see the world as I did when I was 18. Thank God! ���� Wisdom comes with age, and I wish I understood that as a younger man; perhaps I would’ve listened more attentively to my parents and my elders. ���� Yet, it was at 18 that my political journey began one shaped by trial and error, moments of clarity, and at times missteps As I witness another peaceful transition of power in the United States, I am reminded of how blessed we are to live in a nation that not only empowers us to vote but also celebrates democracy’s values and that anybody can become president of the United States �� This blog is a reflection of my journey as an African American citizen, voter, and most importantly a Republican

My Political Journey: A Back-and-Forth Dance

When I graduated from high school at 18 like many young people I was not politically informed ���� I adopted the political party of my parents and became a Democrat. I think this is the journey for most children We adopt the politics of our parents, our community, and even our church not fully understanding why because being part of the family and community is far more important to us.

At that time in my life politics was just political theatre for me something adults debated while I simply rested on the wisdom of my parents ���� I didn’t care about it until I was married working a full-time job and struggling. ���� It was then that I began to realize the weight and importance of my choices at the ballot box

Life has a way of teaching us and maturing us quickly. My thinking matured rapidly because I married at the tender age of 19 and had my first child at 21. Suddenly, I was responsible for a family and thrust into the reality of many economic challenges housing, food, utilities, and all the expenses of life. In these moments of responsibility, I became a student not only of economics but also of politics. I quickly realized that my values and priorities aligned more closely with the Republican Party than the Democratic Party. And so, I abandoned the politics and party of my parents and began building my own political identity shaped by my experiences and responsibilities.

So this is my confession.

Like many Americans my political journey has not been linear. Shortly after casting my first vote I had a change of heart. By the time Ronald Reagan ran for president I had become a Republican captivated by his optimism and his vision for America. I cast my vote for Reagan twice believing in his ability to inspire and lead.

Then I veered back to the Democratic Party. Bill Clinton’s charisma charm and policies resonated with me in ways I didn’t fully understand at the time. I bought into the cultural narrative of Clinton as “America’s first Black president” a label that was symbolic but misleading. As a Republican I crossed party lines and voted for him twice swept up in his ability to connect with voters like me. Looking back I can see that it was difficult to resist the pull of community family and culture even when you know their liberal leanings conflict with your conservative values. I still feel the pressure. Add to that my role as a minister in a predominantly Black church; the pressure to conform to liberal ideals was even greater. It is a tug-of-war between my faith conservative values and liberal expectations from my community to accept everything everybody and be okay with everything. What is good is bad; what is wrong is right; what is the truth is now a lie. There is no absolute truth. Live and let live; there is no heaven or hell.

Returning to the Republican Fold

By the time George H.W. Bush ran for office I came to my senses. I remembered what I valued most fiscal responsibility strong national defense and preservation of law and order. In addition to God family and conservative values I voted for George H.W. Bush in 1988 and again for his son George W. Bush in 2000 and 2004 because I felt they aligned with my principles and growing understanding of what it means to be a Republican. But my political journey and compromise wasn’t over.

History Took Center Stage

When Barack Obama ran for president in 2008 I couldn’t help myself. he was a Republican yes but I was also a Black man. I didn’t vote for Barack Obama because of his politics; I voted for him because he is Black and his morality humanity. As a Black father husband and community leader he represented everything I aspired to be. From his humble beginnings to his Harvard education and his rise to presidency he was and still is an example of Black excellence in America. The fact that he lived in the White House for two terms a house built by Black slaves and was a leader free world is an achievement that can never be taken from my community and from him as a Black man.

Barack Obama a Black man one of if not the most powerful man on the planet at the time fills me with pride even as write it now. I am an unapologetic fan of former President Barack irrespective of his political persuasion. As a Black man I could not give my vote to anyone else. I do not regret voting for him twice because his achievement spoke a broader narrative of hope resilience and our (Black folks) progress in a country where so many had doubted our potential and put up every barrier possible to deny our access American dream.

In 2020 when Kamala Harris joined Joe Biden’s ticket I found myself drawn into a similar narrative. She was a Black woman of mixed race born Jamaican father and Indian mother raised in Oakland California in a Black community. For me she was not just a vice-presidential candidate; she was a symbol of history and progress.

I crossed party lines again voting for her because of what she represented not her policies but the significance of her rise in power. I am not sure if we will ever see another Black man or woman ascend presidency or vice presidency in a lifetime. Even now with reflection I can admit that I might still be tempted to vote Democrat again if the situation were ever to arise again. As a Black man I feel a profound connection struggles and victories of people and find it difficult to separate identity from political decisions. Kamala’s attempt to replace Joe Biden on the presidential ticket and subsequent loss was a noble effort.

I knew it would be difficult to challenge her given limited time and resources but felt she ran the best campaign she could with the resources she had and the preparation and time to get it done. ⏳ It simply was not her time. I don’t think all forces universe all celebrities Hollywood all money raised would have been enough given the final analysis outcome of this election. Choose not to criticize her campaign at all but simply say it clearly wasn’t her time and American people have spoken overwhelmingly this wasn’t her time or Joe Biden’s time as well.

I must confess: I am a Black man first before I am Republican or a member of any party. My track record history is voting proof.

Pride Regret & The Republican Platform

Today I look back at these decisions mixture of pride and regret. Pride because supported groundbreaking milestones in American history politics regret because straying from values defines who am Republican.

I can live in regret because the human experience as a Black man connected struggle would be difficult for anyone who is not African American to fully understand internal conflict.

In spite inconsistent voting record I am proud to be a Republican. Accept republican platform conservative principles align faith Bible read values hold dear. While cannot put trust in any man’s political system I put trust in God who raises leaders and ultimately holds authority over all.

The Republican Party stands for something much bigger personal election. Republicans believe in the rule of law sanctity of life freedom of speech freedom to bear arms law order limited government robust economic policies rooted in common sense. These values represent most political compass realize ignored some these values pursue cultural milestone African-Americans… It’s about the platform not about a person.

Donald Trump’s Victory & The 2024 Mandate

President Trump’s victory in 2024 is not merely a win; it is a clear mandate from the American people. He won both Electoral College popular votes flipping key swing states like Pennsylvania Michigan Wisconsin while holding onto Republican strongholds. His ability to unite working-class American suburban voters even some disillusioned Democratic-Republicans proved the message resonated beyond traditional party lines.

This victory reflects a shift in public opinion a rejection of divisive identity politics renewed focus policies prioritize American workers’ economic prosperity and national security. Trump’s perseverance against relentless criticism of legal battles demonstrated to many voters he wasn’t just a leader but a fighter for their interests.

Embracing Dr Martin Luther King Jr’s Dream

President Trump’s inaugural address struck a chord with me when acknowledged Dr. Martin Luther King Jr pledge to fulfill a dream nation where people are judged not color of their skin but content their character.

Believe Dr Martin Luther King’s dream is being realized every day especially since America continues to evolve and embrace the blending of cultures and races. We all God’s creation descendants Adam and Eve united our humanity and shared purpose.

What Trump Has Overcome

Trump’s political journey is unlike any we’ve seen in American political history. He endured relentless criticism from media attacks impeachment trials lawsuits investigations. He stands alone convicted felon scandalous businessman with record failures no businessman would be proud of well record accomplishments in real estate achieved. Yet despite failures and continued rise latest victory President United States twice can never take him.

Here are just some Key Initiatives for Trump’s Second Term

In his inaugural address, President Trump outlined key initiatives including Declaring a national emergency southern border to halt illegal immigration.

Reclaiming Panama Canal to end unfair trade practices.

Establishing External Revenue Services to collect tariffs and duties from foreign nations.

Designating foreign criminal gangs and terrorist organizations strengthens law enforcement.

Declaring a national energy emergency reduces energy prices and promotes domestic production.

Overturning gender diversity mandates reaffirms traditional values.

Strengthening board security southern border of Mexico’s illegal immigration.

Releasing hostages bios bringing ear Israeli Hamas war.

Establishing tariffs on China Canada Mexico to enforce fair trade policies and immigration policies.

Establishing two categories of gender: male and female.

Reducing waste government programs staffing Everything being reviewed determines if necessary efficiency.

Trump faced:

Two Impeachments: impeached twice Democrat-controlled House acquitted both times. Media Bias: Studies show Trump’s media coverage is overwhelmingly negative compared to other presidents.

Legal Scrutiny: faced more legal challenges in the Mueller investigation state-level lawsuits than any modern president.

January 6 Fallout: blamed Capitol riots critics calling permanent removal politics.

Social Media Bans: banned major platforms like Twitter limiting the ability to communicate directly with supporters.

Their attempt on life during the campaign. And serious attempt to defeat his worthy opponent Vice President Kamala Harris drew record attendance star power we have yet to see any political election since Barack Obama.

Despite obstacles, Trump’s return presidency marks victory resilience determination. Whether like him or not should inspire business professional leader player game politics. Like say, Hood doesn’t hate players hate games. He played the game well reason alone deserves respect.

A New Beginning for America

As watched the inauguration felt hopeful. �� Trump’s second term offers a chance and do mean chance to refocus America’s strengths our economic security unit. Nothing guaranteed. Our country needs economic policies tax cuts border security deregulation to continue moving forward. We need to invest in infrastructure build roads and highways strengthen defense begin cyber attacks and chemical welfare, and prepare for the next World War which could be Iran China North Korea Russia if can imagine all combined at one time. This country’s enemies are the democratic American way of life. We need a president who is going protect the American way of life and keep America first everything

My Pledge as a Republican

To fellow Republicans say it’s time to unite. We cannot afford to let internal divisions weaken resolve. We must remember our party’s platform is bigger any candidate represents a collective vision of America a vision rooted in freedom and opportunity strength.

My message to President Trump

To President Trump offer congratulations on your victory And campaign strategy fully executed evidence results. You shut down any controversy about your victory No one said anything You clear winner mandate that the American people.

I did not vote for you in 2020, but I did vote for you in 2016 because I believed in your vision to Make America Great Again.

In 2020 and 2024, I got caught up in media drama and relentless criticism. The polarizing narratives painted an incomplete picture of your presidency, and I bought into it.

It was not an easy decision.

I agree with your policies, especially those that prioritize economic growth, border security, and American sovereignty. Yet, I allowed outside influences to sway my decision.

Today, you have been inaugurated as President for a second term.

We are witnessing the resilience it took to persevere through unprecedented opposition.

You have earned the respect and support of the American people to lead the nation forward.

May your second term be a beacon of hope, a reminder of strong leadership, and a turning point for America’s future.

The challenges you have faced have prepared you for this moment.

So, lead us well.

Final Thoughts

America needs a leader who is both feared and respected.

A leader whose morality and flaws, faith and imperfections, inspire us to greatness.

That leader must embody the best of what America has to offer while standing firm against those who seek to undermine our country.

To my fellow Republicans:

✅ I have strayed from Republican principles in the past.

✅ But I am proud to be a Republican

And so, I say it again:

“Let’s Make America Great Again!” ��

Assessing the Viability of Co-Ownership

Models for

Luxury Homes in Palm Springs

The allure of owning a luxury home in Palm Springs is undeniable. With its iconic mid-century architecture, year-round sunshine, and vibrant cultural scene, it's no wonder that many aspire to have a residence in this desert oasis. However, the substantial financial commitment and ongoing maintenance can be daunting. Enter the concept of co-ownership—a model that's gaining traction among prospective homeowners seeking to share the benefits and responsibilities of luxury property ownership.

Understanding Co-Ownership Models

Co-ownership involves multiple parties jointly purchasing and owning a property. Each co-owner holds a fractional interest, allowing them to enjoy the property without bearing the full financial burden alone. This model is distinct from timeshares; while timeshares typically grant usage rights for a specific period without actual ownership, co-owners possess a tangible share of the property, often structured through a limited liability company (LLC).

Benefits of Co-Ownership

1

Cost Efficiency: By dividing the purchase price and ongoing expenses among co-owners, luxury properties become more accessible. This shared financial responsibility extends to maintenance, taxes, and utilities, making ownership more manageable.

Challenges and Considerations

1.

Regulatory Compliance: Palm Springs has implemented specific ordinances to regulate co-owned housing units For instance, Ordinance 2100, adopted on July 9, 2024, establishes a regulatory program to minimize adverse effects on surrounding neighborhoods. It limits the number of coowned housing units to 30 and provides a permitting process with operational requirements.

2.

Management Complexity: Co-ownership necessitates clear agreements detailing usage schedules, decision-making processes, and dispute resolution mechanisms. Without a professional management company, coordinating among multiple owners can be challenging

Resale Considerations: Selling an individual share in a co-owned property may be more complex than selling a wholly-owned property. Potential buyers must be compatible with existing co-owners, and the niche market can affect liquidity

Financial Implications

Engaging in co-ownership requires a thorough understanding of the financial landscape:

3.

Reduced Vacancy: Traditional second homes often remain unoccupied for significant portions of the year Co-ownership ensures higher utilization rates, maximizing the property's value and reducing periods of inactivity.

2. Diversified Investment: Pooling resources allows individuals to invest in multiple properties across different locations, diversifying their real estate portfolio and mitigating market-specific risks.

If you're considering co-ownership opportunities in Palm Springs, partnering with experienced professionals can make all the difference. At Brandy Nelson Associates, we specialize in guiding clients through the intricacies of shared property ownership, ensuring informed decisions and seamless transactions. Explore our services at https://brandynelson.com/, reach out via email at brandy@brandynelson.com, or call us at (760) 238-0552 Let's make your dream of owning a luxury home in Palm Springs a reality.

1.

Initial Investment: Each co-owner contributes to the down payment and closing costs proportionate to their ownership share

2.

Ongoing Expenses: Regular costs, including maintenance, insurance, and property management fees, are typically divided among co-owners. It's crucial to establish a clear budget and payment schedule to prevent disputes

Exit Strategy: Co-owners should agree on terms for selling individual shares or the entire property Having a predefined exit strategy ensures smoother transitions and protects everyone's investment. 3.

Co-ownership of luxury homes in Palm Springs presents an innovative solution for those looking to enjoy high-end real estate without the full financial strain. While the benefits are compelling, it's essential to navigate the associated challenges with due diligence. Prospective co-owners should engage in open communication, seek legal counsel, and consider professional management to ensure a harmonious and profitable ownership experience

Why Today’s Foreclosure Numbers Aren’t a Warning Sign

When it feels like the cost of just about everything is rising, it’s only natural to wonder what that means for the housing market. Some people are even questioning whether more homeowners will struggle to make their mortgage payments, ultimately leading to a wave of foreclosures. And recent data showing foreclosure filings have increased is only feeding into this fear But don’t let that scare you

If you put the latest data into context, it’s clear there’s no reason to think this is a repeat of the last housing crash.

This Isn’t Like 2008

While it’s true that foreclosure filings ticked up in the latest quarterly report from ATTOM, they’re still lower than the norm – and way below levels seen during the crash. And it’s a lot easier to see if you graph that out.

If you compare Q1 2025 (on the right side of the graph) to what happened in the years surrounding the 2008 crash (shown in red), it’s clear the market is in a completely different place (see graph below):

Today, lending standards are much stronger, and most homeowners are in a much better financial position. That’s why filings are so much lower this time.

And just in case you’re looking at 2020 and 2021 and thinking we’ve ramped up since then, here’s what you need to know. During those years, there was a moratorium designed to help millions of homeowners avoid foreclosure in challenging times. That’s why the numbers for just a few years ago were so incredibly low.

So don’t compare today to that low point If you look at more normal years like 20172019, overall foreclosure filings are actually down from what’s typical – and way down from the volume during the crash.

Of course, no one wants to go through the process of foreclosure And the recent increase is emotional because it’s real lives that are impacted – let's not discount that It’s just that, as a whole, this isn’t a signal of trouble in the market.

Why We Haven’t Seen a Big Surge in Foreclosures

And heres something else to reassure you: homeowner equity Over the past few years, home prices have risen significantly That means today’s homeowners have built up a solid financial cushion. As Rob Barber, CEO at ATTOM

“While levels remain below historical averages, the quarterly growth suggests that some homeowners may be starting to feel the pressure of ongoing economic challenges However, strong home equity positions in many markets continue to help buffer against a more significant spike . . . ”

Basically, if someone falls on hard times and can’t make their mortgage payments, they may be able to sell their home instead of going into foreclosure That’s a huge contrast to 2008, when many people owed more than their homes were worth and had no choice but to walk away.

Back then, risky lending practices left homeowners with mortgages they couldn’t afford. That led to a wave of foreclosures, which flooded the market with distressed properties, a surplus of inventory, and caused home prices to drop dramatically.

Don’t discount the strong equity footing most homeowners have today. As Rick Sharga Founder and CEO of CJ Patrick Company, explains in a recent Forbes article: “ a significant factor contributing to today’s comparatively low levels of foreclosure activity is that homeowners including those in foreclosure possess an unprecedented amount of home equity.”

Bottom Line

Even with the recent increase, foreclosure numbers are not at the levels seen during the 2008 crash. Plus, most homeowners today are in a much stronger equity position, even with rising costs.

If you are a homeowner who’s facing hardship, talk to your mortgage provider to explore your options

Paused Your Moving Plans? Here’s Why It’s Time To Hit Play Again

It’s not really a surprise that 70% of buyers paused their home search last year Maybe you were one of them. And if so, no judgment. Conditions just weren’t great. Inventory was too low, prices were too high, and mortgage rates were bouncing all over. That made it really hard to find a home you loved – and could afford. And why sell if you’re not sure where you’re going to go?

But here’s the thing: the market’s shifting. And it might be time to hit play again. The Inventory Sweet Spot

More homeowners are jumping back into their search to make a move this year Builders are finishing more homes And together, that’s creating more options for you when you move – maybe even the home you’ve been waiting for.

More homes = more possibilities.

But there’s more to it than that When you sell, you don’t want to feel like it’s impossible to find your next home. At the same time, you also don’t want inventory to be so high, it takes ages for your house to sell. Right now, you’ll get the best of both worlds. This data will help paint the picture for you. According to Realtor.com, inventory has jumped 28 5% since this time last year, but it’s still below pre-pandemic levels in most markets – and here’s why this is such a sweet spot (see graph NEXT):

Basically, there are more homes to choose from when you make your move, but not so many that you’ll struggle to sell your current house Your home should sell quickly if you work with an agent to make sure it’s priced right and prepped to impress

More options. Less chaos. Solid demand: That’s the real sweet spot.

But here’s something else to consider. Data from Realtor.com also shows inventory has been on the rise for 17 straight months. And experts agree it’s likely to continue climbing throughout the year. As Lance Lambert, Co-Founder of ResiClub explains:

“The fact that inventory is rising year-over-year strongly suggests that national active housing inventory for sale is likely to end the year higher.”

So, this may actually be the best time to sell. Your house may stand out more now than it would as the year goes on and inventory grows even more Wait too long, and you may be one of many trying to stand out later this year

Bottom Line

If you’ve been waiting for the housing market to give you a sign – it just did Whether you’re looking to move up, scale down, or relocate completely, this might be the best balance we’ve seen in a while.

What’s holding you back from taking advantage of this sweet spot? Let’s talk through it and see what’s possible

Should I Buy a Home Now or Wait?

And even in markets experiencing more modest price growth or slight short-term declines, the long game of homeownership wins over time

So, here’s what to keep in mind:

Next year’s home prices will be higher than this year’s. The longer you wait, the more the purchase price will go up

Waiting for the perfect mortgage rate or a price drop may backfire. Even if rates dip slightly, projected home price growth could still make waiting more expensive overall.

Buying now means building equity sooner. When you play the long game of homeownership, your equity rewards you over time

What You’ll Miss Out On

Lets put real numbers into this equation, because it adds up quickly. Based on those expert projections, if you bought a typical $400,000 home in 20

At some point, you’ve probably heard the saying: “Yesterday was the best time to buy a home, but the next best time is today.”

That’s because homeownership is about the long game – and home prices typically rise over time So, while you may be holding out for prices to fall or rates to improve, you should know that trying to time the market rarely works

Here’s what most buyers don’t always think about: the longer you wait, the more buying could cost you. And you deserve to understand why.

Forecasts Say Prices Will Keep Climbing

Each quarter, over 100 housing market experts weigh in for the Home Price Expectations Survey from Fannie Mae, and they consistently agree on one thing: nationally, home prices are expected to rise through at least 2029

Yes, the sharp price increases are behind us, but experts project a steady, healthy, and sustainable increase of 3-4% per year going forward. And while this will vary by local market from year to year, the good news is, this is a much more normal pace – a welcome sign for the housing market and hopeful buyers (see graph NEXT):

That’s a serious boost to your future wealth –and why your friends and family who already bought a home are so glad they did. Time in the market matters.

So, the question isn’t: should I wait? It’s really: can I afford to buy now? Because if you can stretch a little or you’re willing to buy something a bit smaller just to get your foot in the door, this is why it’ll be worth it.

Yes, today’s housing market has challenges, but there are ways to make it work, like exploring different neighborhoods, asking your lender about alternative financing, or tapping into down payment assistance programs

The key is making a move when it makes sense for you, rather than waiting for a perfect scenario that may never arrive.

Bottom Line

Time in the Market Beats Timing the Market.

If you’re debating whether to buy now or wait, remember this: real estate rewards those who get in the market, not those who try to time it perfectly.

Want to take a look at what’s happening with prices in our local area? Whether youre ready to buy now or just exploring your options, having a plan in place can set you up for long-term success

What’s Your House Worth Now? The Answer May Surprise

You

Let’s talk about something you might not check nearly as often as your bank account –and that’s how much your home is worth But when it comes to your financial situation, it’s an important thing to remember. When’s the last time you had a professional show you the value of your home?

Think about it For most people, your house is probably the biggest asset you have And if you’ve owned your home for a few years (or longer), chances are it’s been quietly building wealth for you in the background. And honestly? You might be surprised by just how much.

What Is Home Equity?

This wealth you may not even realize you have comes in the form of home equity. Home equity is the difference between what your house is worth and what you still owe on your mortgage It grows over time as home values rise and as you pay down your mortgage each month Here’s an example to help you really understand how this works

Let’s say your house is now worth $500,000, and you have $200,000 left to pay off on your loan. That means you have $300,000 in equity. And most homeowners are sitting on some pretty significant equity right now.

According to Cotality (formerly CoreLogic), the average homeowner with a mortgage has about $311,000 in equity.

Why You Probably Have More Than You Think

Here are the two main reasons homeowners like you have record amounts of equity right now:

1. Significant Home Price Growth. According to the Federal Housing Finance Agency (FHFA), home prices have jumped by more than 57% nationwide over the last five years (see map below):

And if you purchased your home a few years ago (or more), this means your house is likely worth much more now than when you first bought it, thanks to how much prices have climbed lately

2. People Are Living in Their Homes Longer. Data from the National Association of Realtors (NAR), shows the average homeowner stays in their home for about 10 years now (see graph below):

That’s longer than it used to be And over that decade? You’ve built equity just by making your mortgage payments and riding the wave of rising home values.

So, if you’re one of those people who’s been in their home for that long, here’s how much the behind-the-scenes price growth has helped you out. According to NAR:

“Over the past decade, the typical homeowner has accumulated $201,600 in wealth solely from price appreciation ”

Bottom Line

Chances are, your house is worth a lot more than you realize. Whether you’re thinking about selling, upgrading, or simply want to understand your options, your equity isn’t just a number It’s a tool

If you sold your house and had significant equity to work with, what would you do with it? Let’s figure out how to turn your home’s value into your next big move.

What You Can Do When Mortgage Rates Are a Moving Target

Have you seen where mortgage rates have been lately? One day they go down a little The next day, they go back up again. It can feel confusing and even frustrating if you’re trying to decide whether now’s a good time to buy a home.

Take a look at the graph below It uses data from Mortgage News Daily to show that after a relatively stable month of March, mortgage rates have been on a bit of a roller coaster ride in April:

This kind of up-and-down volatility is expected when economic changes are happening.

And that’s one of the reasons why trying to time the market isn’t your best move You can’t control what happens with mortgage rates. But you’re not powerless. Even with all the economic uncertainty right now, there are things you can do

You can control your credit score, loan type, and loan term That way, you can get the best rate possible in today’s market.

Your Credit Score

Your credit score can really affect the mortgage rate you qualify for Even a small change in your score can make a big difference in your monthly payment. Like Bankrate says:

“Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions: Typically, the higher your score, the lower the interest rates and better terms you’ll qualify for. ”

Keeping your credit score up is key when it comes to qualifying for a home loan. If you’re not sure where your score stands or how to improve it, talk to a loan officer you trust.

Your Loan Type

There are also different types of loans out there, and each one comes with unique requirements for qualified buyers. The Consumer Financial Protection Bureau (CFPB) explains

“There are several broad categories of mortgage loans, such as conventional, FHA, USDA, and VA loans. Lenders decide which products to offer, and loan types have different eligibility requirements. Rates can be significantly different depending on what loan type you choose. Talking to multiple lenders can help you better understand all of the options available to you.”

Always work with a mortgage professional to figure out which loan makes the most sense for you and your financial situation.

Your Loan Term

Just like there are different loan types, there are also different loan terms. Freddie Mac puts it like this:

“When choosing the right home loan for you, it’s important to consider the loan term, which is the length of time it will take you to repay your loan before you fully own your home. Your loan term will affect your interest rate, monthly payment, and the total amount of interest you will pay over the life of the loan.”

Most lenders typically offer 15, 20, or 30-year conventional loans Be sure to ask your loan officer what’s best for you.

Bottom Line

You can’t control what’s happening with the economy or mortgage rates, but you can work with a trusted lender and take steps that’ll help you get the best rate possible. Let’s connect to talk about what you can do today to put yourself in a strong spot for when you’re ready to buy a home

A Guide to buying YOUR FIRST HOME

Are you thinking about buying your first home? Chances are at least some of these questions have crossed your mind.

But here’s the thing every first-time buyer has these thoughts. And the truth is, most of them aren’t even issues. With the right plan and the right pro to help you along the way, you can take control.

What’s your biggest fear about buying a home? Drop it in the comments and I’ll give you some perspective to ease that worry for you.

What Is My HomeWorth?

Straightforward Guide Every Seller Should Read Before Listing

Supply & Demand

Substitution

Contribution

Regression

Progression

Did you take your house off the market late last year? If so, it’s time to reassess.

Buyer activity is already picking up heading into the peak homebuying season this spring. So, now’s the time to talk to your agent about putting it back on the market with a fresh strategy – better pricing, stronger marketing, and a plan that gets results. What would you want to do differently this time around?

Change

Conformity

What Impacts Your Home’s Value?

Condition

Location & neighborhood trends

Comparable sales

Supply & demand Days on market

Common Pricing Mistakes to Avoid

Overpricing based on emotion

Ignoring your agent’s advice

Listing to “test the market”

Assuming upgrades always increase value

ERIC LAWRENCE FRAZIER MBA

PRINCIPAL