My phenomenal World by Emerick Peace

PHENOMENAL MY WORLD

BY EMERICK PEACE

FEATURED ARTICLE

7 WAYS TO COMPETE IN A SELLERS MARKET IN MARYLAND

PUBLISHER

Emerick Peace

NMLSID: 320004

Phone number: (240) 882-0198

Email: EmerickPeace@KW.com

MANAGING EDITOR

Eric Lawrence Frazier, MBA

Office: (800) 401-8994 Ext. 703

Direct: (714) 361-2105

eric.frazier@thepowerisnow.com www.thepowerisnow.com www.blogtalkradiocom/thepowerisnow

ADMINISTRATOR

Erika Reyes

Office: (800) 401-8994 Ext. 703

Direct: (714) 361-2105

eric.frazier@thepowerisnow.com www.thepowerisnow.com

WRITER

Alvin Magua

GRAPHIC DESIGNER

Timothy Hornu

CONTACT

Emerick Peace

NMLSID: 320004

Phone number: (240) 882-0198

Email: EmerickPeace@KW.com

TABLE OF CONTENT

ESTATE ARTICLES

Baltimore’s Tech Boom and Its Effects on Housing and Commercial Spaces

Maryland: Real Estate Laws in Maryland Navigating Property

Transactions with Ease

7 Ways to Compete In a Sellers Market in Maryland

PODCASTS AND RADIO

The color of money Podcast

PRESS RELEASE

Press Release for May 14th, 2024

Press Release for May 8th, 2024

Press Release for May 6th, 2024

EDITOR’S NOTE

Dear Readers,

Welcome to the inaugural issue of our magazine, a venture that embodies the spirit and aspirations of Prince George’s County’s vibrant community. At the heart of our narrative is a profound commitment to real estate excellence and community empowerment, led by a vision that has been meticulously shaped by Mr. Emerick A. Peace, the Operating Partner/Owner of Keller Williams Preferred Properties (KWPP).

Emerick’s journey in real estate spans over 28 remarkable years, during which he has navigated through myriad transactions, dedicating himself to the fabric of our community and unwaveringly committed to service. Under his leadership, KWPP has risen to the pinnacle of success as the #1 brokerage in Prince George’s County and as a beacon of hope and progress for African American homeownership.

In Prince George’s County, we proudly echo the sentiment, “It’s always a great day at Keller Williams Prince George’s County.” This slogan captures more than just the optimism that greets us each morning; it reflects our enduring belief in our community’s potential for growth, prosperity, and unity. Our magazine aims to be an extension of this ethos, committed to illuminating the path to homeownership for African Americans, who face the steepest hurdles in securing a piece of the American dream.

This issue is more than a collection of articles; it is a testament to the power of community, the importance of heritage, and the boundless possibilities that await when we come together to uplift and support one another. We dive deep into the historical context of African American homeownership, celebrate the achievements of those who have overcome barriers, and layout strategies for future homebuyers to navigate the market.

We are unapologetic in our focus. We recognize the disparities in homeownership rates among African Americans in our state and are committed to bridging this gap. Through education, advocacy, and empowerment, we strive to ensure that every family, regardless of background, has the opportunity to build wealth through real estate.

As we embark on this journey together, let us remember the lessons of perseverance, community service, and leadership that Emerick Peace embodies. His life’s work is a blueprint for making the most of every opportunity and helping others to do the same.

In closing, I invite you to join us in celebrating the rich tapestry of Prince George’s County real estate. May this magazine serve as a beacon of knowledge, inspiration, and community as we work towards a future where “it’s always a great day” for every resident.

Thank you for being part of our story.

Warmest regards,

Emerick Peace Publisher

Baltimore’s Tech Boom and Its Effects on Housing and Commercial Spaces

Baltimore, the vibrant and diverse city known for its rich history, is experiencing a remarkable transformation in recent years. With a surge in the technology industry, Baltimore has become a hub for innovation and entrepreneurship, attracting top talent and companies to its bustling streets. This tech boom has not only brought exciting opportunities for the economy, but it has also had a significant impact on the city’s housing and commercial spaces. In this blog post, we will explore the growth of Baltimore’s tech industry and the effects it is having on the city’s real estate market. From rising property values and gentrification to innovative developments and revitalized neighborhoods, we’ll take a closer look at the evolving landscape of Baltimore and its exciting future.

THE CATALYSTS OF CHANGE: HIGHLIGHTING TECH PIONEERS

Baltimore’s tech scene is flourishing, thanks to a vibrant ecosystem of startups and established tech firms. Companies like Catalyst Health Tech Innovation, a leader in health tech advancements, and Mindgrub Technologies, an agency at the forefront of digital innovation, are spearheading this transformation. These tech pioneers are not only contributing to the city’s economic vitality but also setting the stage for a real estate revolution.

COMMERCIAL SPACES: A NEW

DAWN

The influx of tech companies into Baltimore is creating a ripple effect across commercial real estate. Traditional office spaces are giving way to dynamic, flexible work environments designed to foster creativity, collaboration, and innovation.

•CO-WORKING AND INNOVATION HUBS:

There’s a notable surge in demand for co-working spaces and innovation hubs. These facilities offer a versatile solution for startups and established firms alike, providing them with the infrastructure and networking opportunities essential for growth. Spaces such as Spark Baltimore and Betamore serve as prime examples, offering everything from hot desks to private offices, all while encouraging a community of innovation.

•ADAPTIVE REUSE PROJECTS:

Another trend gaining momentum is the adaptive reuse of historical buildings. Tech companies are drawn to these spaces for their unique character and the opportunity to infuse a sense of history with modern tech innovation. This not only helps preserve Baltimore’s architectural heritage but also provides tech firms with distinctive spaces that stand out in the corporate landscape.

THE RESIDENTIAL RIPPLE EFFECT

As the tech industry flourishes, its impact on Baltimore’s residential real estate is equally significant. The demand for housing is on the rise, leading to notable trends in the market.

•GENTRIFICATION AND URBAN RENEWAL:

Neighborhoods around tech hubs are experiencing a wave of gentrification and urban renewal. This revitalization is attracting a diverse population, including tech professionals looking for homes close to work. While this brings positive change in the form of upgraded infrastructure and amenities, it also poses challenges, such as rising housing costs and displacement concerns.

•HOUSING MARKET DYNAMICS:

The growing tech workforce is fueling demand for both rental and owned properties. This demand is

driving up property values and rents, particularly in areas close to tech centers. Consequently, developers are focusing on building more high-density residential projects, from luxury apartments to modern townhomes, catering to the preferences of the tech-savvy population.

•SUSTAINABILITY AND SMART HOMES: Reflecting the tech industry’s emphasis on innovation, there’s an increasing demand for sustainable living and smart homes. Energyefficient appliances, smart security systems, and connectivity features are becoming standard expectations in new housing developments. This shift not only aligns with the environmental values of the tech community but also contributes to Baltimore’s sustainability goals.

LOOKING AHEAD: THE FUTURE OF BALTIMORE’S REAL ESTATE

As Baltimore’s tech industry continues to expand, its influence on the city’s real estate market is expected to grow. The symbiotic relationship between tech advancements and real estate development is paving the way for a future where innovation, sustainability, and community go hand in hand. The ongoing evolution of commercial and residential spaces is not just about accommodating the tech industry but about creating an environment that nurtures growth, creativity, and a high quality of life for all residents.

In conclusion, Baltimore’s tech boom is more than just a surge in economic activity; it’s a transformative force reshaping the city’s real estate landscape. From the rise of co-working spaces and the adaptive reuse of historic buildings to the trends in housing driven by a growing tech workforce, the impact is profound and multifaceted. As we look forward, the continued interplay between technology and real estate in Baltimore holds the promise of

a vibrant, innovative city that thrives on progress and inclusivity. This journey of transformation, though complex, is a testament to Baltimore’s resilience and its potential to emerge as a leading tech hub that harmoniously blends the old with the new, fostering a future where everyone has a place.

As the Operating Partner and owner of Keller Williams Preferred Properties (KWPP), I invite you to take the next step in exploring Baltimore or Maryland. Whether you’re looking to buy or sell property, my team at KWPP is dedicated to providing exceptional service and expertise. We understand the unique intricacies of the Maryland real estate market and can assist you in achieving your investment goals.

Feel free to reach out to me personally at 240-737-5000 or visit our website at https://www.thekwppexperience.com/contact/. I’m here to answer any questions, provide tailored guidance, and support you throughout your journey of investing in Baltimore homes. Together, let’s unlock the incredible opportunities that await in this captivating state.

Maryland: Real Estate Laws in Maryland Navigating Property Transactions with Ease

Are you considering buying or selling property in the state of Maryland? As with any real estate transaction, it’s important to have a solid understanding of the laws and regulations of the state. In this blog post, we’ll discuss the key laws and regulations surrounding real estate in Maryland, and provide you with valuable insights and tips to help you navigate the process with ease. Whether you’re a first-time homebuyer or a seasoned investor, this post will equip you with the knowledge you need to confidently navigate Maryland’s real estate market laws.

MARYLAND HOMESTEAD LAWS

At the heart of property protection in Maryland are the Homestead Laws. These statutes are designed to shield homeowners from complete loss of their residence in the event of financial upheaval, such as bankruptcy. Unlike some states that specify a maximum acreage for homestead protection, Maryland places a cap on the value of property that can be declared as a homestead. Specifically, an individual can protect up to $3,000 of their property’s value, with an additional allowance of up to $2,500 in the context of a Title 11 bankruptcy proceeding.

It’s important to note, however, that this protection is not absolute. There are several exceptions where homestead property may still be at risk including:

•SECURED DEBTS:

If the property has been pledged as security for a mortgage, it may be at risk in the event of default.

•PRE-EXISTING LIENS:

Properties encumbered with liens before the designation of homestead status are not protected from seizure under these liens.

•STATE OR LOCAL TAXES:

Properties with overdue taxes owed to the State of Maryland or any local municipalities may be subject to sale or foreclosure for tax recovery.

•DEBTS FOR PROPERTY IMPROVEMENTS:

Money owed to mechanics, contractors, or builders for work performed on the property can lead to a forced sale or forfeiture to satisfy these debts.

Additionally, it’s crucial to understand that as Maryland’s Homestead Laws are state statutes, they can be overridden by federal laws. This includes situations involving federal tax liens. However, it is generally rare for the Internal Revenue Service (IRS) to pursue the foreclosure of a home solely for the recovery of tax debt.

MARYLAND ADVERSE POSSESSION LAWS

Another intriguing aspect of Maryland real estate law is adverse possession. This doctrine allows individuals to gain legal ownership of property under specific conditions, even if they are not the original owner. To claim property under adverse possession, a person must occupy the land for a continuous period of 20 years. The occupation must be hostile, actual,

open notorious, and exclusive. This means the individual must treat the property as their own, without the permission of the original owner, and their claim must be obvious to anyone.

While the concept of adverse possession may seem straightforward, establishing a claim requires meeting all the stipulated criteria, making it a complex legal challenge. It’s a mechanism that underscores the importance of vigilant property management and the risks of neglect.

Maryland Lease and Rental Agreement Laws

For those navigating the rental market, Maryland’s laws on leases and rental agreements offer clear guidelines for both landlords and tenants. One key regulation caps security deposits at two months’ rent and mandates that landlords pay interest on these deposits at a rate of 4% per annum. Upon the termination of a lease, the security deposit, along with accrued interest, must be returned to the tenant within 45 days. Maryland law also addresses the transition of lease agreements upon their expiration. Typically, a lease transitions to a monthto-month agreement unless the original terms specify otherwise. This provides flexibility for both parties but also requires landlords to give one month’s notice before terminating the tenancy or reclaiming the property.

Discrimination in rental practices is strictly prohibited, with exceptions being very narrowly defined. This ensures fair access to housing across the state, regardless of one’s race, religion, color, sex, sexual orientation, national origin, marital status, or handicap.

CONCLUSION:

Following Maryland’s legal developments will guarantee that your real estate

transactions are profitable and compliant as the state’s real estate industry continues to change. Knowledgeable participants are the most successful in Maryland’s vibrant and diversified state, making the process of buying and selling real estate not simply a legal need but also a chance for stability and advancement.

As the Operating Partner and owner of Keller Williams Preferred Properties (KWPP), I invite you to take the next step in exploring Maryland. Whether you’re looking to buy or sell property, my team at KWPP is dedicated to providing exceptional service and expertise. We understand the unique intricacies of the Maryland real estate market and can assist you in achieving your investment goals.

Feel free to reach out to me personally at 240-737-5000 or visit our website at Keller Williams Preferred Properties I’m here to answer any questions, provide tailored guidance, and support you throughout your journey of investing in Maryland homes. Together, let’s unlock the incredible opportunities that await in this captivating state.

PRESS RELEASE

NATIONAL FAIR HOUSING ALLIANCE ISSUES STATEMENT LAUDING THE FEDERAL HOME LOAN BANK OF SAN FRANCISCO ON SELECTING ALANNA MCCARGO TO LEAD THE AGENCY

FOR IMMEDIATE RELEASE

May 8, 2024

Contact: Janelle Brevard | jbrevard@nationalfairhousing.org

Washington, D.C. — The National Fair Housing Alliance® (NFHA™) applauds the Federal Home Loan Bank of San Francisco’s (the Bank) announcement that Alanna McCargo will become the Bank’s next president and chief executive officer.

Ms. McCargo is a noted and well-regarded financial services expert and leader having most recently served as the Government National Mortgage Association’s (Ginnie Mae) president. She was the first woman and woman of color to hold the position. She also served as a senior advisor on housing and finance policy to former HUD Secretary Marcia Fudge. Throughout her impressive career, Ms. McCargo has pioneered and championed policies and programs to advance fair housing and fair lending principles including leading groundbreaking research, while at the Urban Institute, on solutions for expanding access to credit for underserved groups, broadening support for small dollar mortgages, and dismantling barriers to the provisioning of fair and affordable housing.

Ms. McCargo takes the helm of the Bank on the heels of the Federal Housing Finance Agency’s (FHFA) examination of almost 100 years of operation for the Federal Home Loan Bank (FHLBank) System writ large. FHFA’s report provided a comprehensive review of the nation’s FHLBanks and a discussion of how the system can best fulfill its mission of 1) providing stable and reliable liquidity to member institutions; and 2) supporting housing and community development. The report lifts up a number of recommendations for reforming the FHLBank System, including proposals championed by NFHA. Importantly, FHFA recommended the Federal Home Loan Banks deepen and expand mission-oriented programs to support sustainable housing finance and

community development products that lack a reliable secondary market outlet. FHFA also supported increasing the 10 percent minimum contribution requirement for the FHLBanks’ Affordable Housing Programs. While the current statute establishes the 10 percent minimum contribution, FHLBanks are able to voluntarily increase their contributions.

The FHLBanks are an important and integral component of the U.S. housing finance market. They play a significant role in helping address America’s fair and affordable housing crisis. NFHA looks forward to continued work with the San Francisco FHLBank as well as other Banks in the FHLBank system to more broadly expand access to sustainable credit to underserved groups.

###

The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. Through its homeownership, credit access, tech equity, education, member services, public policy, community development, and enforcement initiatives, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.

My Phenomenal World With Emerick Peace | Effective Time Management -Part 3

Join Emerick Peace, the operating partner of Keller Williams Preferred Properties in M aryland, he will guide you through the essentials of time management for real estate professionals. W e’ll explore prioritization, time blocking techniques, and the power of saying no to distractions. By harnessing these strategies, you’ll maximize your productivity and propel your success forward.

My Phenomenal World With Emerick Peace | Navigating Real Estate Market Cycles - Part 4

Are market fluctuations leaving you uncertain? Join Emerick Peace as he explores how to not just survive, but thrive in today’s real estate market. We’ll discuss monitoring market trends, adapting strategies, and building a resilient business plan to conquer any challenge.

Success starts with the right Choice | My Phenomenal World With Emerick Peace

In this episode, we’ll explore the importance of choosing the right brokerage for your real estate journey. Dive into the culture and values of the brokerage, evaluate the training and support offered, and consider the long-term growth opportunities. Your success is a result of the right choices, and I’m here to guide you through it all!

Real Estate Roundtable Business Planning For Real Estate Agents

2023 With Emerick -Part 1

The Power Is Now Media is an online multimedia company founded in 2009 by Eric L. Frazier and is headquartered in Riverside, California. We are advocates for homeownership, wealth building and financial literacy for low to moderate-income and minority communities. We utilize online Radio, online Magazine, online TV and online events to educate and support the American dream of homeownership

Real Estate Roundtable Business Planning For Real Estate Agents

2023 With Emerick -Part 2

The Power Is Now Media is an online multimedia company founded in 2009 by Eric L. Frazier and is headquartered in Riverside, California. We are advocates for homeownership, wealth building and financial literacy for low to moderate-income and minority communities. We utilize online Radio, online

Real Estate Roundtable Business Planning For Real Estate Agents

2023 With Emerick -Part 3

The Power Is Now Media is an online multimedia company founded in 2009 by Eric L. Frazier and is headquartered in Riverside, California. We are advocates for homeownership, wealth building and financial literacy for low to moderate-income and minority communities. We utilize online Radio, online Magazine, online TV and online events to educate and support the American dream of homeownership

Real Estate Roundtable Business Planning For Real Estate Agents

2023 With Emerick - Part 4

The Power Is Now Media is an online multimedia company founded in 2009 by Eric L. Frazier and is headquartered in Riverside, California. We are advocates for homeownership, wealth building and financial literacy for low to moderate-income and minority communities. We utilize online Radio, online

Real Estate Roundtable Business Planning For Real Estate Agents

2023 With Emerick

In this video, you will learn the importance of creating a solid business plan for your real estate business. Emerick A. Peace discusses key elements of a successful business plan, including goal setting, financial planning, marketing strategies, and more. He provides tips and advice on how to create a plan that is effective and helps you achieve your business goals. If you are a real estate agent or broker looking to grow your business and take it to the next level, then this video is for you

Business Planning For Real Estate Roundtable with Emerick Peace | Part 2 -Segment 2

Joining Emerick is Eric Frazier, a seasoned real estate professional who shares his experience and tips on building a successful real estate business. They discuss how to identify opportunities in the market, create a marketing plan, and leverage technology to streamline processes. This episode is a must-watch for anyone looking to start or grow their real estate business. The real estate roundtable is the perfect platform to learn from industry leaders and gain valuab le insights that can help you succeed.

Business Planning For Real Estate Roundtable With Emerick -Part 3 -segment 2

Welcome to Part 3 of "The Real Estate Roundtable with Emerick A. Peace" brought to you by The Power Is Now media. In this episode, Emerick A. Peace and Eric Frazier discuss the importance of business planning for a successful real estate business.

Real Estate Roundtable with Emerick -Part 1

In this exciting episode of Business Planning for Real Estate Agents 2023, Emerick A. Peace of Keller Williams Preferred Properties in Maryland and Eric Lawrence Frazier, CEO of The Power Is Now Media, bring you the latest insights and strategies for building a successful real estate business. Join them as they discuss the essential components of a comprehensive business plan, including marketing, lead generation, financial planning, and more.

Real Estate Roundtable with Emerick -Part 2

In this highly anticipated continuation of Part 6 of Business Planning for Real Estate Agents 2023, Emerick A. Peace of Keller Williams Preferred Properties in Maryland and Eric Lawrence Frazier, CEO of The Power Is Now Media, dive even deeper into the essential components of a comprehensive real estate business plan. From setting clear and measurable goals to developing a sound financial strategy, Emerick and Eric provide valuable insights and practical tips that can help you

Real Estate Round Table with Emerick Peace

Emerick Peace shares his strategies and priorities for the second half of 2022. Emerick Peace is one of only 70 people to be inducted into the hall of fame of his marketplace. He is on top of his game and brings years of knowledge and experience to this episode of the Real Estate Round Table

The Business of Real Estate by Emerick Peace. Donate time, money or talent.

Join Emerick for another exciting show where he talks about being purposeful in not just life, but also in business

The Business of Real Estate by Emerick Peace. Episode 3. Relationships.

On this episode, Emerick and his panel talk about relationships both personally and professionally. This episode explores the place of relationships in our lives

The Business of Real Estate by Emerick Peace. Episode 2. Gratitude.

In this episode Emerick gets into details with the Peace Team about Gratitude. We often don’t show gratitude enough in our personal and professional life. What impact does this have? What if we did it more?

The Business of Real Estate by Emerick Peace. Episode 1. Profit

In this episode, Emerick and the Peace Team talk about profits. They get into details about how to get profitable in business and also in their personal lives. Join Emeric k Peace on The Power Is Now TV. Every 2nd and 4th Tuesday of the month at 6:00 PM

Market Update ft Emerick Peace

Host Erick Frazier interviews Emerick A. Peace about market updates in Maryland and Washington D.C. Learn about the opportunities we offer you to buy your first house.

7 Ways to Compete In a Sellers Market in Maryland

By Emerick Peace

In the dynamic world of real estate, the scales of supply and demand are constantly shifting. Currently, Maryland is experiencing what’s known as a ‘sellers market’, where the number of buyers exceeds the number of homes for sale. This can make the home buying process seem daunting,

even overwhelming. But fear not! This blog is designed to equip you with seven strategic ways to navigate and compete effectively in Maryland’s sellers market.

From understanding the market trends to crafting compelling offers, we’ll explore practical tips

PHOTOS FROM 123RF

that could turn the tide in your favor. So, whether you’re a first-time homebuyer or a seasoned investor, this guide will provide valuable insights to help you achieve your real estate goals in Maryland’s competitive market.

UNDERSTANDING THE SELLERS MARKET IN MARYLAND

A seller’s market is a term used in the real estate industry to describe a market condition where there are more homebuyers than there are properties for sale. This imbalance often leads to multiple buyers interested in a single property, sparking bidding wars and driving up home prices. In a sellers market, the advantage tips towards the seller. This is primarily because the scarcity of available homes allows sellers to set higher asking prices. Buyers, on the other hand, must be prepared to act quickly and offer attractive terms to secure their desired property. Now, let’s take a closer look at the current state of the real estate market in Maryland. Maryland, known for its rich history, diverse culture, and strategic location, has always been an attractive place for homebuyers. Over the past few years, Maryland’s real estate market has seen a significant shift towards a sellers market. This shift is driven by a combination of factors including low-interest rates, a steady influx of new residents, and a limited supply of homes for sale. The result? Homes are selling quickly, often above the asking price, and buyers are facing stiff competition. For those looking to buy a home in Maryland, understanding this market dynamic is the first step towards making an informed and successful purchase decision. In the following sections, we will explore strategies to help you compete effectively in Maryland’s vibrant sellers market.

THE IMPORTANCE OF PREAPPROVAL

In a competitive real estate market like Maryland’s, getting pre-approved for a mortgage is not just an advantage—it’s a necessity. But

what does pre-approval mean, and why is it so important?

Pre-approval is a process where a lender evaluates your financial situation and determines how much they’re willing to lend you for a home purchase. This is based on factors such as your credit score, income, debts, and assets. The result is a pre-approval letter, which states the maximum loan amount that the lender is willing to offer you. Here’s why getting pre-approved can give you a competitive edge in a sellers market:

1.SHOWS FINANCIAL CREDIBILITY:

A pre-approval letter is a testament to your financial credibility. It shows sellers that you’re a serious buyer with the financial means to purchase their property.

2.SPEEDS UP THE HOME BUYING PROCESS:

In a sellers market, homes sell quickly. Being preapproved allows you to act swiftly once you find a home you love.

3.STRENGTHENS YOUR OFFER:

In a situation where a seller receives multiple offers, a pre-approval letter could make your offer stand out. It provides reassurance to the seller that the deal won’t fall through due to financing issues.

4.HELPS DEFINE YOUR BUDGET:

Knowing how much a lender is willing to loan you can help you define your budget and narrow down your home search.

Remember, a pre-approval is not a guarantee of a loan, but it’s a significant step in the right direction. It’s advisable to get pre-approved before you start house hunting, so you’re ready to make an offer when the right opportunity comes along. In the next section, we’ll discuss the benefits of hiring a local real estate agent in a sellers market.

HIRING A LOCAL REAL ESTATE AGENT

In a competitive real estate market like Maryland’s, having a local real estate agent by

your side can be a game-changer. A local agent brings to the table a deep understanding of the market, a network of connections, and the expertise to navigate complex transactions. Here are some benefits of working with a local agent:

1.MARKET KNOWLEDGE:

Local agents have their fingers on the pulse of the market. They understand the nuances of Maryland’s real estate market, including pricing trends, neighborhood characteristics, and buyer preferences. This knowledge can help you make informed decisions.

2.ACCESS TO OFF-MARKET LISTINGS:

Sometimes, properties are sold without ever being officially listed. These ‘off-market’ listings are typically shared within local real estate networks. A local agent can give you access to these hidden gems.

3.NEGOTIATION SKILLS:

In a sellers market, negotiation can be tricky. Local agents, armed with market knowledge and experience, can help you craft a competitive offer and negotiate effectively with sellers.

4.GUIDANCE THROUGH THE PROCESS:

Buying a home involves numerous steps, from home inspections to mortgage approval to closing. A local agent can guide you through this process, ensuring that nothing falls through the cracks.

5.LOCAL CONNECTIONS:

Local agents have a network of connections, including home inspectors, mortgage lenders, and contractors. These connections can come in handy during the home buying process.

Remember, the right real estate agent can be your greatest ally in a sellers market. They can provide the guidance, expertise, and resources you need to successfully navigate Maryland’s competitive real estate market. In the next section, we’ll discuss how to make your offer stand out in a sellers market.

MAKING YOUR OFFER STAND OUT

In a sellers market like Maryland’s, making your offer stand out among multiple bids can be a challenge. Here are some strategies to make your offer more appealing to sellers:

1.OFFER ABOVE ASKING PRICE:

In a competitive market, offering above the asking price can show the seller you’re serious about purchasing their home. However, ensure that the price aligns with your budget and the home’s value.

2.INCREASE YOUR EARNEST MONEY DEPOSIT:

The earnest money deposit shows your commitment to the purchase. A larger deposit could make your offer more attractive to the seller.

3.WAIVE OR REDUCE CONTINGENCIES:

While contingencies can protect buyers, they can also complicate the sale process. If you’re confident about the property, consider waiving certain contingencies to make your offer more appealing.

4.PROVIDE A PRE-APPROVAL LETTER:

As discussed earlier, a pre-approval letter can strengthen your offer by showing the seller that you have the financial means to purchase the home.

5.WRITE A PERSONAL LETTER:

A personal letter to the seller expressing your interest in the home can create an emotional connection and make your offer stand out.

6.BE FLEXIBLE WITH CLOSING DATES:

If possible, try to accommodate the seller’s preferred closing date. This flexibility can make your offer more attractive. Remember, every real estate transaction is unique, and what works in one situation may not work in another. It’s important to work closely with your real estate agent to craft an offer that not only stands out but also aligns with your home buying goals. In the next section, we’ll explore flexible negotiation tactics in a sellers market.

FLEXIBLE NEGOTIATION TACTICS

Negotiation is an art, especially in a sellers market like Maryland’s where competition is high. Here are some flexible negotiation strategies that can help you secure your dream home:

1.BE QUICK TO RESPOND:

In a sellers market, time is of the essence. Be ready to respond quickly to counteroffers and queries from the seller.

2.SHOW WILLINGNESS TO COMPROMISE:

Show the seller that you’re willing to compromise on certain aspects. This could be anything from the closing date to minor repairs.

3.ESCALATION CLAUSE:

Consider including an escalation clause in your offer. This states that you’re willing to outbid other offers up to a certain limit.

4.RENT-BACK AGREEMENT:

If the seller needs more time to move out, consider offering a rent-back agreement. This allows the seller to rent the home back from you for a certain period after closing.

5.LIMITED INSPECTION:

In a highly competitive market, some buyers opt for a limited inspection or waive the inspection contingency altogether. However, this comes with risks and should be considered carefully.

6.PERSONAL CONNECTION:

Sometimes, a personal touch can make all the difference. Consider writing a letter to the seller explaining why you love the home. Remember, every negotiation is unique, and what works in one situation may not work in another. It’s important to work closely with your real estate agent to devise a negotiation strategy that aligns with your home buying goals and the specifics of the property. In the next section, we’ll discuss the role of home inspections in the home buying process.

THE ROLE OF HOME INSPECTIONS

Home inspections play a crucial role in the home buying process, especially in a sellers

market like Maryland’s. A home inspection is a comprehensive examination of the property’s condition, conducted by a certified professional. It covers everything from the foundation to the roof and can reveal potential issues that might not be visible to the untrained eye. Here’s why home inspections are important:

1.IDENTIFY POTENTIAL ISSUES:

A home inspection can uncover potential problems such as structural damage, plumbing issues, or outdated electrical systems. Knowing these issues beforehand can help you make an informed decision.

2.NEGOTIATION TOOL:

If the home inspection reveals issues, you can use this information to negotiate the price or ask the seller to make necessary repairs before closing.

3.PLAN FOR FUTURE COSTS:

A home inspection can give you an idea of the lifespan of the home’s major systems and components. This information can help you plan for future maintenance and repair costs.

4.PEACE OF MIND:

A thorough home inspection can give you peace of mind knowing that you’re making a sound investment.

HANDLING POTENTIAL ISSUES:

In a sellers market, you might be tempted to waive the home inspection to make your offer more attractive. However, this comes with risks. If you decide to move forward with a home inspection and issues are found, here are some ways to handle them:

1.ASK FOR REPAIRS:

You can ask the seller to fix the issues before closing. Be specific about the repairs and consider getting a re-inspection once the repairs are done.

2.REQUEST A PRICE REDUCTION:

If the seller is unwilling or unable to make the

repairs, you can negotiate a lower price to compensate for the cost of repairs.

3.SEEK A CREDIT AT CLOSING:

Instead of having the seller make the repairs or lower the price, you can ask for a credit at closing. This means the seller gives you money at closing to cover the repair costs. Remember, a home inspection is an important step in the home buying process. It can protect you from costly surprises down the road and help you make an informed decision. In the next section, we’ll discuss how to leverage contingencies in a sellers market.

LEVERAGING CONTINGENCIES

Contingencies are conditions or actions that must be met for a real estate contract to become binding. They offer a form of protection for buyers, allowing them to back out of the agreement under certain circumstances without losing their earnest money deposit. Here’s how you can leverage contingencies in a sellers market like Maryland’s:

1.HOME INSPECTION CONTINGENCY:

This contingency allows you to have the home inspected before closing. If significant defects are revealed, you can renegotiate or withdraw your offer without penalty.

2.FINANCING CONTINGENCY:

This contingency protects you in case you’re unable to secure a mortgage. If your loan falls through, you can back out of the purchase without losing your deposit.

3.APPRAISAL CONTINGENCY:

This contingency ensures that the home is valued at a minimum, specified amount. If the appraisal comes in low, you can renegotiate the price or cancel the contract.

4.TITLE CONTINGENCY:

This contingency allows you to review the title report before closing. If there are issues with the title, such as liens or disputes over ownership, you can back out of the deal.

5.HOME SALE CONTINGENCY:

If you need to sell your current home before buying a new one, this contingency can be useful. It allows you to back out if you’re unable to sell your existing home within a certain timeframe.

In a sellers market, contingencies can make your offer less attractive to sellers who have multiple offers. However, they offer important protections. Work with your real estate agent to understand which contingencies make sense for your situation and how to use them effectively. In the next section, we’ll explore different financing options that could help you compete in a sellers market.

EXPLORING DIFFERENT FINANCING OPTIONS

In a sellers market like Maryland’s, having a variety of financing options at your disposal can give you a competitive edge. Here’s a look at some financing options that could help you secure your dream home:

1.CONVENTIONAL LOANS:

These are mortgage loans offered by private lenders without any government insurance. They often require a higher credit score and a larger down payment, but they’re flexible and can be used for all types of properties.

2.FHA LOANS:

Backed by the Federal Housing Administration, these loans are designed for low-to-moderate income buyers. They require a lower down payment and are more forgiving of low credit scores.

3.VA LOANS:

If you’re a veteran or active-duty military member, you may qualify for a VA loan. These loans are backed by the Department of Veterans Affairs and often require no down payment or mortgage insurance.

4.USDA LOANS:

These loans are backed by the United States Department of Agriculture and are designed to help low-to-moderate income buyers purchase homes in rural areas. They often require no down payment.

5.JUMBO LOANS:

If you’re looking at higher-priced homes, a jumbo loan might be the right fit. These loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac and are used to buy luxury properties and homes in highly competitive markets.

6.ADJUSTABLE-RATE MORTGAGES (ARMS):

ARMs have interest rates that change over time, which can be risky. However, they can be a good option if you plan on selling or refinancing before the rate goes up.

7.BRIDGE LOANS:

If you’re buying a new home before selling your old one, a bridge loan can help cover the gap. These short-term loans use your current home as collateral.

Remember, each financing option has its pros and cons, and what works best for you will depend on your financial situation and home buying goals. It’s important to work with a trusted lender or financial advisor to understand these options and choose the one that best fits your needs. In the next section, we’ll discuss the importance of staying patient and persistent in a sellers market.

STAYING PATIENT AND PERSISTENT

In a sellers market like Maryland’s, patience and persistence are more than virtues—they’re necessities. Here’s why:

1.PATIENCE:

In a competitive market, it’s easy to feel pressured into making quick decisions. However, it’s important to remember that buying a home is a significant financial commitment. Take your time to consider your options, do your research, and make sure that the home you’re bidding on is the

right fit for you. It’s better to miss out on a house than to rush into a decision you might regret later.

2.PERSISTENCE:

In a sellers market, it’s common to face rejection. Your offer might not be accepted, or you might lose out to another buyer in a bidding war. It’s crucial not to get disheartened. Keep looking, keep making offers, and remember that with each rejection, you’re one step closer to finding the perfect home.

3.STAY INFORMED:

Keep an eye on the market trends. Markets can shift, and staying informed will help you spot opportunities and make informed decisions.

4.KEEP YOUR OPTIONS OPEN:

Don’t fixate on one property or one neighborhood. Consider other neighborhoods, home types, or features. Broadening your search can open up new opportunities.

5.WORK WITH YOUR REAL ESTATE AGENT: Your real estate agent is your ally in this journey. They can provide valuable advice, keep you informed about new listings, and help you navigate the challenges of a sellers market. Remember, buying a home is a journey, not a race. Stay patient, stay persistent, and you’ll increase your chances of success in Maryland’s competitive real estate market. Good luck!

CONCLUSION

Navigating a sellers market like Maryland’s can be a challenging endeavor. However, with the right strategies and a proactive approach, you can turn these challenges into opportunities. From understanding the dynamics of a sellers market to exploring various financing options, every step you take brings you closer to your dream home.

CONNECT WITH ME TODAY

Remember, patience and persistence are your allies in this journey. Stay informed, keep your

options open, and don’t be disheartened by setbacks. With every house you visit and every offer you make, you’re honing your home-buying skills and getting closer to finding the perfect home.

This guide has equipped you with practical tips and insights to help you compete effectively in Maryland’s vibrant real estate market. Use these strategies to your advantage, and you’ll be well on your way to securing a home in Maryland’s competitive market. Happy house hunting!

emerickpeace@kw.com

PHONE: (240) 882-0198

About the podcast

For generations, the Black community has faced barriers to building wealth. Today, differences in net worth and homeownership are among the most visible signs of racial inequality in the U.S. It’s time to build a new legacy.

The Color of Money podcast brings you engaging and mindset-shifting episodes devoted to wealth accumulation among Black and historically marginalized communities.

Join KW leaders Daniel Dixon, Julia Lashay Israel, Emerick Peace, Bo Menkiti and their renowned guests for transformative conversations on building wealth for yourself, your family, and generations to come.

HTTPS//: https://thecolorofmoneypodcast.com/

Meet the Hosts

Julia Lashay Israel

Julia is the head of inclusion and belonging for Keller Williams Realty International, co-founder and owner of Refocus Training and Consulting, and a licensed real estate broker in Minnesota and Texas.

Daniel Dixon

Daniel Dixon, CEO of The Dixon Group in Denver, took his group from a single agent to a thriving mega-agent team with 23 agent partners in two locations. The Dixon Group is ranked No. 1 in Colorado and Top 50 nationwide of Keller Williams teams with more than $500 million in home sales.

Emerick Peace

Emerick Peace is the Operating Principal and owner of Keller Williams Preferred Properties, a multibillion-dollar residential, luxury, and commercial real estate sales brokerage that is the No. 1 real estate brokerage (market share, transaction, and sales volume) in Prince

Bo Menkiti

Bo Menkiti is the founder and CEO of Keller Williams Capital Properties and The Menkiti Group. A Harvard graduate and Washington, D.C. area expert, Bo leads his companies with a mission to transform lives, careers, and communities through real estate.

PRESS RELEASE

HISTORIC LEGAL BATTLE UNVEILED AGAINST DISCRIMINATORY FLORIDA HOUSING LAW SB 264

FOR IMMEDIATE RELEASE

May 6, 2024

MEDIA CONTACTS:

National Fair Housing Alliance: Janelle Brevard | jbrevard@nationalfairhousing.org

Asian Real Estate Association of America: David Siroty | david@imagineprstrategy.com

Historic Legal Battle Unveiled Against Discriminatory Florida Housing Law SB 264

Advocates Contest Xenophobic Restrictions on Property Ownership, Assert Violation of Federal Fair Housing Act

Washington, D.C. — On May 6, 2024, the National Fair Housing Alliance (NFHA™), the Asian Real Estate Association of America (AREAA), Housing Opportunities Project for Excellence, Inc., and the Fair Housing Center of the Greater Palm Beaches filed a fair housing discrimination suit in federal court in Miami challenging Florida’s SB 264, a state law that greatly restricts people from China, Russia, Iran, North Korea, Cuba, Venezuela, and Syria from purchasing real property in the state. The law almost completely prohibits Chinese citizens and people domiciled in China from buying property in the state. People domiciled in one of the other six countries are prohibited from buying real property within ten miles of critical infrastructure facilities or military institutions—a restriction that covers 98.5% of all residential land in the state.

“Xenophobia has no place in our country—and let there be no mistake, that’s precisely what SB 264 is,” said Noah Baron, Assistant Director of Litigation at Advancing Justice – AAJC. “This legislation echoes last century’s ‘alien land laws,’ which also restricted the property rights of Asian Americans on the basis of stereotypes and prejudice. The United States must not continue down this dangerous road; we know where it leads because we have traveled it before: during World War II when unfounded suspicions of Japanese Americans led to the forced imprisonment of over 120,000 Japanese

Americans by the U.S. government and going as far back as the 1882 Chinese Exclusion Act.”

The lawsuit filed by Relman Colfax, Asian Americans Advancing Justice – AAJC, and Courtney Cunningham asserts that SB 264 violates the federal Fair Housing Act, which prohibits acts that are motivated by a person’s national origin or have a disproportionate harmful effect on people from specific countries. As described in the complaint, SB 264 is based on stereotyped and xenophobic generalizations, and is transparently motivated by discrimination against people from the seven targeted countries.

“SB 264 is reminiscent of early twentieth century land laws that attempted to prevent Asian and other immigrants deemed undesirable from settling in the United States. This law is one of the most discriminatory housing prohibitions this country has seen since the Fair Housing Act was passed in 1968. Legislation such as this prevents people from purchasing homes and becoming, or continuing to be, valued members of the community. SB 264 cannot be permitted to stand,” said Keenya Robertson, President and CEO of Housing Opportunities Project for Excellence, Inc.

“This is a momentous day for AREAA and our 19,000 members as it is the first time we have filed suit to protect the rights of the AANHPI community,” said Jamie Tian, President of AREAA. “SB 264 must be defeated. Florida legislators and Governor DeSantis have wrongly targeted Chinese, and other select groups of immigrants. They have opened the door for greater discrimination while creating increased barriers of homeownership entry for prospective AANHPI homebuyers and sellers. My parents came to the U.S. from China as PhD candidates and they eventually bought a home in Irvine, California. I shudder to think about what my parents would have gone through today if they had settled in Florida. It’s infuriating to realize we now live in a reality where government leaders are putting homeownership out of reach for AANHPI people in Florida.”

The law was promoted by Governor DeSantis who described it as part of an effort to prevent people from certain countries from “worming” their way into American society. The bill’s sponsor described it as targeting foreign agents, but its broad sweep captures people lawfully in the United States and vetted by immigration officials such as people on student visas, domestic employment and seasonal worker visas, and visas for victims of criminal activity and human trafficking. People from the targeted countries who already own property in the state are required to register with the Florida Department of Commerce. The penalties for violating the law include felonies punishable by as much as five years imprisonment and can be applied to buyers, sellers, and real estate professionals.

“The federal Fair Housing Act was signed into law to eliminate the race-based barriers to housing that have plagued our nation since its inception. SB 264 is contrary to the spirit of our nation’s fair housing laws and tramples on the rights of people of Asian descent and other immigrants. It sends the dangerous message that discrimination in housing based on national origin is acceptable in the state of Florida,” said Lisa Rice, President and CEO of the National Fair Housing Alliance. “We look forward to vindicating the fair housing rights of Asians and other immigrants in Florida and making it possible for them to secure stable housing.”

The sponsors’ defense of the bill is to cite national security concerns, but people from the targeted countries make up a tiny percentage of all residential property buyers in the state and the legislative record identified no link between the purchase of residential property and security threats. With no basis, SB 264 explicitly targets individuals from the seven targeted countries for disfavored treatment while imposing no similar restrictions on nationals of any other country. The legislation impedes the pursuit of the American dream for families from China and the other countries who aspire to build a life in this country free from discrimination.

“The people of Florida deserve better than a government that says ‘you are not welcome’ to large groups of people just because they were born in a particular country,” said Vince Larkins, President and CEO of Fair Housing Center for the Greater Palm Beaches. “We cannot sit idly by while housing discrimination is now the official policy of the State of Florida.”

“It is our expectation that the court will find this explicitly discriminatory law as a violation of the Fair Housing Act and strike it down,” said Reed Colfax, a partner with Relman Colfax.

To view the full complaint, click here.

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The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. Through its homeownership, credit access, tech equity, education, member services, public policy, community development, and enforcement initiatives, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.

https://nationalfairhousing.org/historic-legal-battle-unveiled-against-discriminatory-florida-housing-

PRESS RELEASE

NFHA AND FELLOW FAIR HOUSING ADVOCATES FILE COMPLAINT AGAINST NATIONAL TENANT SCREENING SOFTWARE COMPANY

FOR IMMEDIATE RELEASE

May 14, 2024

Media Contacts:

National Fair Housing Alliance: Janelle Brevard | jbrevard@nationalfairhousing.org

Fair Housing Rights Center: Angela McIver | amciver@fairhousingrights.org

Housing Equality Center: Rachel Wentworth | wentworth@equalhousing.org

NFHA and Fellow Fair Housing Advocates File Complaint Against National Tenant Screening Software Company

Complaint Alleges Discrimination Against Housing Voucher Holders in Memphis, TN, and Philadelphia, PA

Washington, D.C. — Today, the National Fair Housing Alliance® (NFHA™), the Fair Housing Rights Center in Southeastern Pennsylvania (FHRC), and the Housing Equality Center of Pennsylvania (HECP) filed a complaint with the U.S. Department of Housing and Urban Development (HUD) against Tenant Turner, Inc., for its treatment of Memphis and Philadelphia residents seeking housing opportunities.

Tenant Turner is a Richmond, VA-based web lead management and tenant screening software that provides services for property managers nationwide including pre-qualification of prospective tenants. Tenant Turner is believed to display thousands of listings on its website from throughout the country. NFHA, FHRC, and HECP’s complaint alleges that Tenant Turner discriminates based on race by facilitating landlords to generate listings on its website that display a refusal to rent to people who use Housing Choice Vouchers (“HCV”) and designing an algorithm that prohibits voucher holders from scheduling a viewing of rental units that display that refusal in the cities of Memphis, TN, and Philadelphia, PA. The HCV program ensures that people, including veterans, whose incomes have not kept up with rising housing costs can still access stable housing by paying landlords directly for all or part of their rent.

NFHA, FHRC, and HECP’s investigation found that Tenant Turner displays listings online that are “not available for tenants with… a housing voucher,” which is language that Tenant Turner offers to landlords to indicate whether they want to rent to prospective tenants with vouchers, even

in cities or counties with local ordinances that prohibit discrimination against source of income, including voucher holders. Through over 40 tests of Tenant Turner’s pre-screening survey that sets up showings of rental units on listings that display housing choice voucher restrictions, NFHA, FHRC, and HECP found that testers with housing vouchers were unable to schedule a viewing of the rental unit. The testers would reach a screen from Tenant Turner that stated, “Sorry,” and “This property is not available for tenants with… a housing voucher.” Fair housing testing is a controlled method of documenting the quality and quantity of information provided to home seekers by rental firms and their housing managers. Testing also helps uncover the nature and extent of potential housing discrimination. Through data collected from August 2022 to March 2023, NFHA’s analysis revealed more than 4,005 listings with housing choice voucher restrictions in 23 localities with source of income protections, including Memphis, TN, and Philadelphia, PA.

Tenant screening platforms, like Tenant Turner, that facilitate discrimination against HCV holders deprive families of the right to choose the housing that is best for them and increase the likelihood that people will experience housing instability, face homelessness, or suffer other harms. In 2023, the online home rental market was valued at around $18.24 billion, with significant expansions anticipated in the years to come. Consumers’ search for housing is becoming increasingly digital, and while this can make information on units and neighborhoods more broadly accessible, it can also aid in discrimination by making it easier for landlords or housing providers to choose home seekers based on their preferences or biases. With more and more housing providers using platforms, like Tenant Turner, that automate the tenant screening and rental viewing process, discrimination against HCV holders is now increasingly encoded or facilitated by algorithms and software.

The nation is in the midst of a fair and affordable housing crisis with housing experts projecting the U.S. needs at least an additional 7.3 million affordable housing units. Moreover, wages have not kept pace with rising housing costs. While housing prices have increased by roughly 160 percent since 2000, wages have only increased by about 70 percent.

“Rising rents are putting housing out of reach for millions, particularly people of color, persons living with disabilities, low- and moderate-income families, veterans, and frontline workers who have been hardest-hit by the ongoing COVID-19 health and economic crisis. When real estate companies and property managers deny voucher holders, they are denying people access to safe, affordable housing and the many opportunities that come with that. More protections are needed for renters who rely on housing vouchers, and everyone, including government, must utilize their powers to prevent the unfair practice of discrimination against those who use the vital HCV program,” said Lisa Rice, NFHA’s President and CEO.

“Philadelphia is known for many things, including being the poorest large city in the nation. Also, the Philadelphia Fair Practices Ordinance protects people based on their source of income. However, when an online tenant screening company’s software excludes people with Housing Choice Vouchers, that is discriminatory and cruel. Denying humans access to housing violates their basic needs and civil rights. Corporations benefit from government support, and low-income persons, regardless of race, should also. As a nation, we have so many resources that offset the need for safe, discriminatory-free, and affordable housing. The HCV program is a housing solution for low- and moderate-income persons needing financial assistance. Nonetheless, discriminatory practices by online tenant screening companies’ software create

barriers to housing and manufacture new social problems, including being unhoused, which could contribute to other challenges that impact us all,” said Angela McIver, FHRC’s CEO.

“In HECP’s testing investigations over the past three years, we have found that rental housing providers in Philadelphia tell prospective tenants that Housing Choice Vouchers are not accepted at their properties 68 percent of the time. These investigations tell us that long-standing source of income protections are routinely and blatantly disregarded by landlords, property managers, and rental agents throughout the city, a practice that has a disproportionate impact on Black residents. It is apparent that voucher holders regularly face unlawful discrimination as an additional barrier in their search for a limited supply of safe and affordable rental housing in Philadelphia,” said Rachel Wentworth, HECP’s Executive Director.

The alleged discriminatory practices of Tenant Turner are particularly harmful to Black residents who have long been impacted by inequitable policies and practices, including redlining, appraisal bias, racially restrictive covenants, racial steering, algorithmic bias, and other discriminatory practices. In both Memphis and Philadelphia, Black households are over-represented in the households participating in the HCV Program. In Philadelphia over 80 percent of HCV holders are Black whereas only 9 percent of voucher holders are White, despite the city’s renter population having similar split of Black and White renters, with 44 percent being Black and 39 percent being White. In Memphis, Black residents are similarly disproportionately represented, with 96 percent of households receiving vouchers being Black and only 1 percent of voucher holders being White. The City of Memphis’ renters are about 69 percent Black and 20.6 percent White.

The work that provided the basis for this press release was supported by funding under a grant from the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.

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The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations and individuals throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.

The mission of the Fair Housing Rights Center in Southeastern Pennsylvania (FHRC) is to ensure equal access to housing opportunities for all. FHRC serves 16 counties in Pennsylvania and addresses fair housing and lending laws to achieve its mission.

The mission of the Housing Equality Center of Pennsylvania is to advance fair and equal access to housing opportunities for all Pennsylvanians. https://nationalfairhousing.org/nfha-and-fellow-fair-housing-advocates-file-complaint-against-

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