• Faith and Work: How Spirituality Shapes Your Career and Success
• Balancing Faith and Financial Stewardship
• The Role of Faith in Strengthening Family Ties
• Raising Financially Responsible Kids
OTHER
• Editor’s Note
• Why Work With Me?
• Eric Frazier Show
• What Is My Home Worth?
• Poetry
• Managing Financial Challenges: Coping with Unexpected Expenses
• Financial Wellness: Creating and Sticking to a Family Budget
• Juneteenth
• Everything in America Is About Race
BLOGS
• Fiscal Year 2026 Discretionary Budget Request
• President Trumps Fiscal Year 2026 Discretionary Funding Request
• Cuts to Woke Programs Fact Sheet
• Ending Weaponization of Federal Government Fact Sheet
• Defunding the Open Border Fact Sheet
• Ending The Green New Scam Fact Sheet
• Revitalizing Federalism
• 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
Editor’s Note
Foundations, Freedom, and the Future We Build Together
June is a sacred month in our home. It is the birthday of my wife, Ruby the love of my life, the mother of our four amazing daughters, and the grandmother of our five beautiful grandchildren She turns 63 this month, though I remain convinced she stopped aging at 33. Ruby is beauty, brilliance, and boldness in motion an entrepreneur, a real estate broker, and my life partner for the past 43 years
If Ruby were a house, she’d be the foundation strong, unmoving, built to last. If she were a precious metal, she’d be gold the gold standard. If she were a song, she’d be number one on the Billboard charts for eternity And if she were a meal, she’d be fried chicken on a Sunday seasoned, soulful, and full of comfort. She is not a superwoman. She’s just my woman my partner, my friend, my lover, my life.
Happy Birthday, Ruby.
The Month of Homeownership
This June, The Eric Frazier Show and Faith Family Finance Magazine are dedicating the entire month to homeownership not just as a financial transaction, but as a spiritual and social rite of passage I’ll be conducting interviews with first-time homebuyers, seasoned real estate investors, and industry leaders who understand that buying a home is about more than equity it’s about identity.
For some, owning a home marks a passage into manhood or womanhood. For others, it’s about stability and safety. For all, it is a gateway to generational wealth, dignity, and freedom We’ll explore the stories, the struggles, and the strategies that make homeownership a cornerstone of flourishing families and just societies
Juneteenth: Freedom Delayed Is Justice Denied
This month also brings us Juneteenth a day marking the delayed emancipation of enslaved African Americans in Texas on June 19, 1865, more than two years after the Emancipation Proclamation It is a sobering reminder that freedom delayed is justice denied
Juneteenth teaches us that freedom is not automatic, and justice is not guaranteed. For African Americans, the federal government not “we the people” has often been the only reliable executor of justice. Progress has depended not on public sentiment, but on laws laws passed in Congress and enforced by presidents moved by divine providence or public pressure to act justly.
The Civil Rights Act of 1964 The Fair Housing Act of 1968 These laws were meant to open the doors to opportunity including homeownership But today, the Black homeownership rate remains stuck below 45%, barely moving since those laws passed.
Juneteenth, then, is not just a celebration of the past. It is a call to action in the present. A reminder that the work of justice is unfinished. That bureaucracy, racism, and systemic neglect continue to delay what has already been promised
African Americans need homeownership now not later. We need equity now, opportunity now, investment now, not as charity, but as a rightful claim to full citizenship in the nation we helped build.
Justice that is postponed is not justice at all.
Let Juneteenth remind us that freedom must be fulfilled—not just declared
Thank You for Building With Us
Every page in this issue is about wisdom—for your faith, your family, and your finances Whether you’re buying your first home, celebrating your family, or contemplating your purpose, our prayer is that you’ll find strength in these pages and direction in your decisions.
Thank you for your continued support. For reading. For sharing. For building something that lasts.
My role as a consultant is deeply rooted in a passion for helping others succeed. Whether in mortgage lending, real estate, personal finance, marriage and family, or business strategy, my mission is to use my skills, experience, and education to bring clarity, efficiency, and results to individuals and families I work with.
Being an effective consultant requires more than just knowledge it demands, at a minimum, training, certifications, education, licensing, professional experience, but most importantly, life experience Throughout my career and life, I have raised a family in the covenant of marriage, built multiple businesses, helped clients navigate financial decisions, and mentored professionals in achieving their goals
With 43 years of experience in mortgage banking, 33 years as a real estate professional, and a deep background in business consulting, my insights are grounded in real-world applications, not just theory. I hold a Bachelor of Science in Business and Management from the University of Redlands and a Master of Business Administration (MBA) with a focus on Finance from the same institution.
My journey as a 43-year husband, father of four daughters, grandfather of five, investor, entrepreneur, author, and public speaker shapes my ability to relate to people from all walks of life. I believe in empowering others by sharing my knowledge and expertise.
As a man of faith, I am inspired by the parable of the talents (Matthew 25:14-30), which serves as a reminder that the skills and resources we are given are meant to be used in a way that honors the Giver of our talents. Consulting is my way of honoring the Giver. I am helping individuals, families, and businesses make informed, strategic decisions that lead to lasting success.
My resume provides a detailed overview of my experience, certifications, and achievements, and it is available to download below. It also includes direct links to my social media, website, and publications for further insight into my work and contributions.
I look forward to the opportunity to assist in any capacity that aligns with your needs. I am not a sales professional; I am an advisor, and I am ready, willing, and able to help you achieve your goals.
Schedule an appointment for a Professional Financial Consulting meeting:
Review my Resume and qualifications by clicking here.
POETRY
FREEDOM CAME LATE AND LEFT EARLY
Act One of the Anthology
We crossed the sea in chains and pain, Torn from kin, denied a name.
Atlantic swells our unmarked grave— Where profit prized the life of slaves.
We tilled the soil with broken hands, Built the wealth that built this land.
Our backs the bridge from whip to plow But never once were we allowed.
Freedom came late and left early, Derailed by law, betrayed coldly. Jim Crow smiled while justice delayed me, A stranger in a land that swore it needed me.
They called a war to end the sin, But made us beg to fight within. Black hands gripped rifles, hearts held hope— For liberty across the dead & smoke.
We died for states that scorned our worth, Freed by ink, then cursed by birth. Two years held hostage in the South, Freedom stalled by cruelest mouth.
Freedom came late and left early, Derailed by law, betrayed coldly. Jim Crow smiled while justice delayed me, A stranger in a land that swore it needed me.
They offered freedom with a cost “Stay on the land, or all is lost.”
Many chose the bitter cold, Rather than chains they’d once been sold.
No shelter came from northern skies, Just hungry mouths and children’s cries.
Frozen death for those too proud To kneel again or speak aloud
Freedom came late and left early, Derailed by law, betrayed coldly Jim Crow smiled while justice delayed me, A stranger in a land that swore it needed me.
The Constitution preached of rights, But wrote us out in silent nights. Three-fifths counted barely men, Then caged again by ink and pen.
Each amendment like a chain
A promise wrapped in legal pain. The ink was law, but lacked the force, So orders came from Lincoln’s horse.
Freedom came late and left early, Derailed by law, betrayed coldly. Jim Crow smiled while justice delayed me, A stranger in a land that swore it needed me.
Then Jim Crow rose to block the gate, With curfews, dogs, and spiteful hate. We bled on sidewalks for a vote, While justice wore a sheriff’s coat.
We dressed for jobs we’d never get, While shut out of the safety net They built their banks from labor stolen— Then blamed our dreams as weak and swollen.
Freedom came late and left early, Derailed by law, betrayed coldly. Jim Crow smiled while justice delayed me, A stranger in a land that swore it needed me.
They gave us laws without intent, Then watched our will and wages bent. CRA, FHA, rights on display— But none to reach the lender’s tray.
They passed us bills without the teeth, Each one a promise laid beneath A table set for others’ gain— While we were told to dance through pain.
Freedom came late and left early, Derailed by law, betrayed coldly. Jim Crow smiled while justice delayed me, A stranger in a land that swore it needed me.
Now we are offered one small day
A federal stamp, a staged ballet. Barbecue smoke and music loud, But justice never joins the crowd.
Where is the march? The plan? The bill?
The movement shaped by Blackfree will? We party where we should protest, And claim a win with just a vest.
Freedom came late and left early, Derailed by law, betrayed coldly. Jim Crow smiled while justice delayed me, A stranger in a land that swore it needed me.
By Eric Lawrence Frazier, MBA Poet.
FREEDOM CAME LATE AND LEFT EARLY
Act Two: Barbecue and Red Velvet Cake
We walked on roads our fathers paved, But found no shelter, none were saved. The laws had changed but hearts were sealed, Our wounds ignored, our fate concealed.
They gave us Juneteenth, told us cheer While stealing land year after year. We gathered flags, we sang and swayed, While housing rights were stripped away.
Barbecue and red velvet cake, Covered the silence, masked the ache. We danced in circles' 'round the stake While freedom burned for justice's sake.
The banks redlined with stealth and spite, Then, we claimed we failed to earn our rights. They rigged the rules, denied our claim Then used our loss to feed our shame.
The laws were signed, the ink still wet, But promises unmet as yet. No teeth behind the grand decree, Just loopholes dressed in dignity.
Barbecue and red velvet cake, Covered the silence, masked the ache. We danced in circles 'round the stake While freedom burned for justice's sake.
A holiday became our prize But not a home, or land, or rise. No G.I. bill, no lending plan, Just dreams deferred by sleight of hand.
We crowned the stage, we cheered, we prayed, But never marched where justice stayed. Our kids inherit grief and doubt While old gatekeepers sell us out.
Barbecue and red velvet cake, Covered the silence, masked the ache. We danced in circles ’round the stake— While freedom burned for justice’s sake.
We honored kings with speeches warm, But never gathered to reform. No letters sent, no pressure made, Just smoke and songs and parades.
The Japanese were compensated, Their case was filed, their laws debated. While we applaud with empty plates Still asking crumbs from freedom’s gates.
Barbecue and red velvet cake, Covered the silence, masked the ache. We danced in circles ’round the stake— While freedom burned for justice’s sake.
Illinois gave its nod to pay, A pilot reparation play. But where’s the voice, the rising tide, When silence keeps us pacified?
Barbecue and red velvet cake, Covered the silence, masked the ache. We danced in circles ’round the stake— While freedom burned for justice’s sake.
By Eric Lawrence Frazier, MBA Poet.
Faith and Work: How Spirituality Shapes Your Career and Success
Introduction
In today’s fast-paced and often cutthroat professional world, it can be challenging to find a sense of purpose and direction. However, those who integrate their faith into their work often find that spirituality serves as a guiding compass. A strong faith can profoundly impact one’s career, influencing ethical decision-making, personal growth, and the pursuit of purposeful success.
The Role of Faith in Ethical Decision-Making
Faith offers a foundation for making morally sound decisions in the workplace. When individuals are guided by spiritual principles such as honesty, integrity, and compassion they are more likely to make choices that reflect their core values, even when facing challenging situations. For example, a business leader who values transparency may choose to disclose a mistake rather than cover it up, trusting that honesty will ultimately build stronger relationships and long-term success
Finding Purpose and Meaning in Work
Spirituality often inspires individuals to seek meaning beyond material success Rather than viewing work solely as a means to earn a living, faith-driven professionals see it as an opportunity to serve others, utilize their God-given talents, and make a positive impact. This mindset fosters resilience, as challenges are reframed as growth opportunities rather than mere obstacles.
Building Stronger Professional Relationships
Faith can also enhance professional relationships. By practicing empathy, kindness, and active listening qualities often rooted in spiritual teachings individuals build a reputation as trustworthy and supportive colleagues. Such traits not only enhance workplace harmony but also lay the groundwork for effective collaboration and leadership.
Balancing Ambition with Humility
While ambition drives success, faith encourages a balanced approach that incorporates humility. Ambitious professionals guided by their spirituality strive for excellence without compromising their integrity or exploiting others. This balanced approach not only promotes sustainable success but also earns the respect of peers and mentors.
Overcoming Challenges with Faith
Adversity is an inevitable part of any career. However, faith offers a source of strength and perseverance. Whether facing layoffs, failures, or interpersonal conflicts, individuals who lean on their faith find comfort and renewed motivation, helping them navigate difficulties with grace and confidence.
Conclusion
Faith and work need not be separate spheres of life. When integrated thoughtfully, spirituality can shape one’s career in powerful ways, guiding ethical decisions, fostering meaningful relationships, and promoting a resilient, purpose-driven mindset. Embracing faith at work ultimately leads to a career not only marked by professional success but also rooted in integrity and purpose.
Eric Lawrence Frazier, MBA - Principal advisor
Balancing Faith and Financial Stewardship: A Guide to Biblical Principles
Financial stewardship is a critical aspect of living a faith-centered life. The Bible offers profound wisdom on managing finances, guiding believers toward responsible and purposeful monetary practices. This guide explores how biblical teachings can shape financial decisions, emphasizing tithing, budgeting, debt management, and generosity.
Tithing: Honoring God First
One of the foundational financial principles in the Bible is tithing. As Proverbs 3:9 (NIV) states, "Honor the Lord with your wealth, with the firstfruits of all your crops." Tithing is not just a financial transaction but an act of worship, reflecting trust in God as the ultimate provider. Setting aside a portion of income as a tithe prioritizes faith over finances and fosters a spirit of gratitude and obedience.
Budgeting: Wise Stewardship
Budgeting is an essential part of financial stewardship. Luke 14:28 reminds us, "Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?" Creating a budget helps in planning and allocating resources responsibly. It also prevents impulsive spending and ensures that priorities such as giving, saving, and family needs are met.
Debt Management: Living Within Your Means
The Bible warns against the burden of debt, as seen in Proverbs 22:7: "The rich rule over the poor, and the borrower is slave to the lender " To avoid financial bondage, it is crucial to live within one’s means and make intentional choices regarding credit and loans. Practical strategies include paying down high-interest debt first and avoiding unnecessary borrowing, ensuring that debt does not hinder one’s ability to give and serve.
Generosity: A Reflection of God’s Heart
Generosity reflects God’s character and love. 2 Corinthians 9:7 encourages, "Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver." Cultivating a generous spirit goes beyond financial giving it includes offering time, talents, and resources to bless others. Integrating generosity into a financial plan not only supports community and ministry but also aligns one’s heart with God’s purposes.
Conclusion
Balancing faith and financial stewardship requires intentionality and reliance on biblical principles. By honoring God through tithing, practicing wise budgeting, managing debt prudently, and embracing generosity, believers can align their financial lives with their spiritual values. This holistic approach fosters peace, purpose, and freedom, allowing finances to become a means of worship and blessing
Eric Lawrence Frazier, MBA - Principal advisor
The Role of Faith in Strengthening Family Ties
In today’s fast-paced world, maintaining strong family bonds can be challenging As schedules fill up and distractions multiply, it becomes increasingly important to find ways to nurture and sustain relationships within the family. One powerful and timeless way to strengthen family ties is through faith.
Faith as a Foundation for Unity Faith offers families a solid foundation built on shared values, beliefs, and purpose. When family members practice their faith together, whether through prayer, worship, or acts of service, they develop a sense of unity and togetherness. This collective experience fosters emotional closeness and mutual support.
Encouraging Open Communication Faith-based practices often emphasize the importance of communication, forgiveness, and love. By regularly discussing spiritual teachings and reflecting on personal growth, family members create an open environment where everyone feels heard and valued. This helps resolve conflicts and misunderstandings more effectively, strengthening bonds over time.
Building Resilience Through Shared Beliefs Families inevitably face challenges, whether financial, emotional, or relational. Faith provides a source of strength and resilience during these difficult times. When family members lean on their shared beliefs, they find comfort and hope, reinforcing their commitment to one another despite hardships.
Creating Traditions and Memories Faith practices often include rituals, celebrations, and traditions that families can share. These moments become cherished memories, fostering a sense of belonging and continuity across generations Whether it’s a weekly gathering, holiday celebration, or community service, these traditions solidify familial connections.
Guiding Moral Development Faith also plays a significant role in guiding moral and ethical values. Teaching children about compassion, honesty, and respect within a faith context helps instill lifelong principles. This common moral framework unites family members in their decisions and interactions, promoting harmony and mutual respect.
A Source of Comfort and Support In times of grief or crisis, faith serves as a comforting anchor. Families who turn to their spiritual practices during tough times often find solace and strength. This collective journey through faith can heal wounds and bring individuals closer to one another.
Conclusion Faith has the unique ability to bring families together by fostering unity, encouraging communication, and building resilience. In a world where relationships can easily become strained, prioritizing faith as a central component of family life offers a path to deeper, more enduring bonds. By embracing faith as a cornerstone of family connection, we can nurture love, trust, and togetherness for generations to come
Eric Lawrence Frazier, MBA - Principal advisor
Raising Financially Responsible Kids: Teaching Money Management Early
Introduction Raising financially responsible children is an investment that pays dividends for a lifetime. In a world where financial literacy is often overlooked, teaching kids the fundamentals of money management equips them with the skills needed to thrive as adults. From budgeting to saving, financial responsibility is a valuable life skill that parents can nurture from a young age.
Start with the Basics: Earning and Saving The foundation of financial responsibility starts with understanding the concept of earning money. Whether through allowances, small chores, or part-time jobs, it’s important for children to recognize that money is earned through effort. Once they grasp this, introduce the principle of saving. Encourage them to set aside a portion of their earnings, teaching them the value of delayed gratification
Budgeting and Smart Spending Teaching kids to budget fosters a habit of mindful spending Help them create a simple budget by dividing their money into categories: saving, spending, and giving. Discuss the difference between needs and wants, emphasizing the importance of prioritizing essentials. By making budgeting a routine part of their lives, kids learn to manage their finances thoughtfully.
The Power of Goal Setting Setting financial goals teaches children to plan for the future. Encourage them to save for something special, like a toy or an experience. Visualizing the reward helps them understand the value of persistence and planning As they grow, expand these goals to include more significant aspirations, like education or travel.
Teaching Financial Accountability Mistakes are part of the learning process. Allow children to make small financial errors, like overspending on a trivial item, and discuss the consequences. Use these moments as teaching opportunities to reinforce lessons about accountability and wise choices.
Introducing Investments As kids get older, introduce the concept of investments Explain simple ideas like interest and how savings can grow over time. Consider setting up a small savings account and tracking its growth together. This practical experience builds an understanding of long-term financial planning.
Lead by Example Children learn best by observing. Demonstrate responsible money management in your own life. Share age-appropriate insights into family budgeting and saving. Showing financial responsibility firsthand reinforces the lessons you’re teaching.
Conclusion By instilling financial literacy early, parents empower their children to make informed choices as they navigate adulthood. Raising financially responsible kids is not just about teaching numbers but fostering a mindset that values discipline, planning, and accountability. The earlier you start, the stronger their foundation for a secure financial future.
Are you worried about recent headlines saying home prices are dipping? Here's some perspective for you.
In most places, prices are still rising, just at a much slower pace And even in spots where prices have dropped, it was only a slight decline. Not a big crash.
You need to put those drops in context Over the past five years, home prices rose by an average of 55% nationwide. That long-term gain far outweighs any short-term shift.
Remember the five-year rule: home values usually rise over time Even if prices drop a bit for a year or two, they tend to bounce back (and then some) over time. If you want to know what’s happening to home prices in our area, Contact me
Are you feeling like buying your first home is out of reach? FHA home loans might change your mind.
With smaller down payment requirements than the typical conventional loan and often lower mortgage rates too, FHA loans are helping more first-time buyers make the leap from renting to owning.
You can see how much of a difference it can make for your down payment
This type of loan is built to make homeownership more achievable Connect with a trusted lender to find out if this could be an option for you
Managing Financial Challenges: Coping with Unexpected Expenses
Life is full of surprises, and while some may bring joy, others can create financial stress Unexpected expenses such as medical bills, car repairs, or home emergencies can strain any budget. However, with strategic planning and disciplined financial habits, you can navigate these challenges effectively Here are some key strategies to help you manage unexpected expenses without derailing your financial stability.
1. Build an Emergency Fund
One of the best ways to prepare for unexpected expenses is by having an emergency fund. Aim to set aside at least three to six months’ worth of living expenses in a separate, easily accessible savings account. Even starting with a small amount and contributing regularly can make a significant difference when an emergency arises.
2. Reevaluate Your Budget
When faced with an unexpected expense, revisit your budget to identify areas where you can cut back temporarily Reducing discretionary spending such as dining out, subscriptions, or entertainment can help free up funds to cover urgent costs.
3. Prioritize Expenses
Not all expenses carry the same level of urgency. If you’re dealing with multiple financial obligations, prioritize necessities such as rent, utilities, and food. Negotiate payment plans for less urgent bills if needed.
4. Utilize Savings Before Borrowing
If you have savings set aside for emergencies, use them instead of relying on credit cards or loans Avoid high-interest debt whenever possible, as it can lead to a cycle of financial strain
5. Explore Additional Income Sources
If your current income is not enough to cover an emergency expense, consider temporary ways to earn extra money. Side gigs, freelancing, or selling unused items can provide quick cash to ease financial stress
6. Leverage Community and Financial Assistance Programs
Many organizations offer financial assistance for individuals facing emergencies. Churches, nonprofits, and government programs may provide temporary relief for medical expenses, utilities, and other urgent needs
7. Consider Insurance Coverage
Having the right insurance policies in place can protect you from significant financial hardship. Health, auto, home, and disability insurance can help cover unexpected costs, reducing the burden of large out-of-pocket expenses
8. Practice Financial Discipline and Long-Term Planning
Prevent future financial stress by adopting healthy financial habits Regularly review your budget, contribute to savings, and avoid unnecessary debt. A well-structured financial plan can provide stability and peace of mind.
Final Thoughts
Unexpected expenses are inevitable, but with careful planning and financial discipline, they don’t have to lead to long-term hardship. By preparing in advance, adjusting your budget as needed, and seeking financial support when necessary, you can navigate financial challenges with confidence. Prioritizing financial well-being today ensures a more secure and stress-free future.
Financial Wellness: Creating and Sticking to a Family Budget
Financial wellness is an essential pillar of a stable and happy family life Without a wellstructured budget, families may struggle with unexpected expenses, debt, and financial stress. Creating and sticking to a family budget ensures financial security, promotes responsible spending, and helps achieve long-term financial goals Here is a step-by-step guide to developing and maintaining a family budget that works for your household.
Step 1: Assess Your Current Financial Situation
Before creating a budget, it is crucial to understand your current financial standing. Gather all financial documents, including bank statements, credit card bills, and loan details. Calculate your total monthly income from all sources, such as salaries, side businesses, and investments. Then, list all your monthly expenses, categorizing them into essentials (housing, utilities, food, transportation) and non-essentials (entertainment, dining out, subscriptions).
Step 2: Set Clear Financial Goals
Define short-term and long-term financial goals as a family Short-term goals may include building an emergency fund or paying off a specific debt, while long-term goals could involve saving for a house, college education, or retirement. Having clear objectives helps guide financial decisions and motivates the family to adhere to the budget
Step 3: Create a Realistic Budget
Once you have assessed your finances and set goals, draft a budget that aligns with your family's income and expenses Allocate funds for necessities first, ensuring that needs are covered before wants. Consider using the 50/30/20 rule, which suggests:
50% of income for necessities (rent/mortgage, utilities, food, insurance)
30% for discretionary spending (entertainment, vacations, hobbies)
20% for savings and debt repayment
Adjust these percentages based on your family’s unique circumstances and priorities
Step 4: Track and Adjust Your Spending
A budget is only effective if it is actively followed. Use budgeting tools or apps to monitor expenses and stay on track. Review your spending habits regularly and identify areas where you can cut costs. If unexpected expenses arise, adjust the budget accordingly while keeping financial goals in focus
Step 5: Build an Emergency Fund
Financial emergencies can arise at any time, and having a safety net prevents setbacks. Aim to save at least three to six months’ worth of living expenses in a separate savings account This fund will provide peace of mind and reduce reliance on credit cards or loans during emergencies
Step 6: Involve the Entire Family
Budgeting should be a collaborative effort Hold regular family meetings to discuss finances, set goals, and track progress. Teaching children about money management from a young age fosters financial responsibility and prepares them for the future.
Step 7: Stay Committed and Make Adjustments as Needed
Sticking to a budget requires discipline and commitment Avoid impulsive purchases and regularly reassess your financial plan. Life circumstances change, and your budget should be flexible enough to accommodate new goals and unexpected challenges.
Conclusion
A well-structured family budget is a powerful tool for achieving financial wellness By assessing finances, setting clear goals, creating a realistic budget, and staying committed, families can enjoy financial stability and peace of mind.
Everything in America Is About Race – A Historical Perspective and Modern Reality
A recent response to my article on school vouchers challenged my perspective, stating that the real issue is management and restructuring in public schools, not race. The commenter suggested that if public schools lose students, they should downsize like a business and that advocates for public education fail to adjust to reality He further implied that the problem is not about race and that we should stop making everything about race.
This response is not unique It reflects a profound misunderstanding of American history and the present-day systemic realities that continue to shape the educational , economic , and political landscape for African Americans and other marginalized communities.
So, let’s set the record straight : everything in America has always been about race. The very structure of our schools , neighborhoods , economic opportunities , and democracy itself is built on race-based exclusions, racial hierarchy, and systemic racial inequities. The fact that someone can say “stop making everything about race” is itself a privilege —a privilege built on ignoring the reality that race has always dictated access, power, and opportunity in America.
The Long History of Racial Exclusion in America
The argument that we should ignore race and focus on the professional management of schools assumes that race has never been a primary factor in structuring public education and opportunity in America. This is historically false. .
For over 400 years, race has determined who gets to have rights, access, and opportunity in America. Here are just a few examples of what Black people could not do simply because of race:
1. We Could Not Be Free (1619-1865)
✔ The Transatlantic Slave Trade brought millions of Africans to America, stripping them of freedom, names, languages, and identities
✔ Chattel slavery was written into American law, making Black people property, not human beings
✔ Dred Scott v. Sandford (1857) ruled that Black people “had no rights which the white man was bound to respect.”
2. We Could Not Vote (1870-1965)
✔ The 15th Amendment (1870) technically granted Black men the right to vote, but Jim Crow laws immediately suppressed it.
✔ Poll taxes, literacy tests, and grandfather clauses were designed to block Black people from voting.
✔ The Voting Rights Act of 1965 was necessary to overturn racial voting barriers.
3. We Could Not Own Land (1865-1968)
✔ Black Codes and Jim Crow laws prevented formerly enslaved people from buying land in most Southern states.
✔ Racially restrictive covenants prevented Black families from buying homes in white neighborhoods.
✔ The Federal Housing Administration (FHA) and Home Owners’ Loan Corporation (HOLC) engaged in redlining, refusing to insure mortgages in Black neighborhoods
✔ GI Bill benefits after WWII were denied mainly to Black veterans, keeping them from homeownership
4. We Could Not Attend White Schools (1865-1970s)
✔ Plessy v. Ferguson (1896) established “separate but equal,” which legalized racial segregation in schools.
✔ Brown v. Board of Education (1954) ruled school segregation unconstitutional, but states resisted desegregation for decades.
✔ White flight and school funding inequalities created new forms of segregation Black and brown schools receive less funding to this day.
5. We Could Not Get Fair Wages and Jobs (1619- Today)
✔ During slavery, Black labor built America’s economy for free yet after Emancipation, sharecropping, debt peonage, and convict leasing replaced slavery as forms of economic control.
✔ Unions excluded Black workers, keeping them from skilled jobs and economic mobility.
✔ The New Deal’s Social Security Act (1935) initially excluded domestic and agricultural workers jobs primarily held by Black people leaving them out of retirement benefits.
6. We Could Not Access Equal Education, Housing, and Banking (1930s- Today)
✔ Banks engaged in redlining and denied mortgages to Black families, keeping them out of wealth-building opportunities.
✔ The War on Drugs and mass incarceration disproportionately targeted Black communities, breaking up families and disrupting economic stability
✔ Gentrification and displacement continue today, pushing Black families out of historically Black neighborhoods through predatory lending, increasing property taxes, and systemic economic inequalities.
Are you planning to move this summer? You’re going to want the just-released Summer Buyer & Seller Guides
These guides break down everything you need to know – from market shifts to expert forecasts – so you can make confident, strategic moves whether you’re buying or selling
Do you want the information serious buyers and sellers are using to stay ahead? Let’s talk about it
Staging your house matters more than ever But that doesn’t mean you need to turn your whole house into a showroom.
Sometimes re-arranging furniture or de-cluttering is all it takes And, if you’re not sure where to start, this list could help. It breaks down the top rooms buyers care about according to their agents.
If you lean on your agent’s advice to showcase these important rooms, you could see your house sell quickly and for more money.
Which room in your house is your showstopper? Contact me and let’s make sure buyers think so, too
OVERVIEW OF PRESIDENT TRUMPS
FISCAL YEAR 2025 DFR
Fiscal Year 2026
Discretionary
Budget Request
OVERVIEW OF PRESIDENT TRUMPS
FISCAL YEAR 2025 DFR
President
Trumps Fiscal Year 2026
Discretionary
Funding Request
CUTS TO WOKE PROGRAMS FACT SHEET
ENDING WEAPONIZATION OF FEDERAL GOVERNMENT FACT SHEET
DEFUNDING THE OPEN BORDER FACT SHEET
ENDING THE GREEN NEW SCAM FACT SHEET
REVITALIZING FEDERALISM
Are you holding out for 3% mortgage rates? Here’s what you need to know
Those rates were a rare response to a very specific moment in time – not the norm. That’s why experts say they’re not coming back And, think about it: if rates do come down, what do you think everyone else is going to do?
That’s right – they’ll jump back in too And more buyers = more competition for you
So, if you’re ready and able to buy now, let’s talk about tools and resources that can help Because trying to time the market to get a specific rate might be a missed opportunity
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):
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.
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 2017-2019, 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 here's 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
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?
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):
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
Let's 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
Eric Lawrence Frazier, MBA - Principal advisor
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 you're 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):
Eric Lawrence Frazier, MBA - Principal advisor
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
