Walter Huff Case study 2023

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2023 year END review

WALTER HUFF

HUFF PROPERTIES & INVESTMENT ADVISORS

HAVE YOU READ OUR PAST ISSUES YET? the power is now

magazine 2023

Year End Review

Eric Lawrence Frazier, MBA Publisher Office: (800) 401-8994 Ext. 703 Direct: (714) 361-2105 eric.frazier@thepowerisnow.com www.thepowerisnow.com EDITORIAL TEAM Sheila Gilmore Editor in Chief (800) 401-8994 ext. 711 sheila.gilmore@thepowerisnow.com Timothy Hornu Graphic Artist and Design Manager tim@thepowerisnow.com

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CONTENTS

2023 YEAR END REVIEW

RESEDENTIAL REAL ESTATE ARTICLES CONTRIBUTIONS

JANUARY 2023 HOW TO CHALLENGE A LOW APPRAISAL

FEBRUARY 2023 10 Small Land Affordable Home Upgrades For Big Impact

MARCH 2023 Is a Townhouse the Right Fit for You

APRIL 2023 Metro Denver Real market updates Forecast and outlook for Q2, 2023

MAY 2023 5 Things You Should Know Before Buying a Fixer-Upper

JUNE 2023 The Key Differences Between Pre-Qualification and Pre-Approval for Denver Homebuyers

JULY 2023 When is the Best Time to Sell a Home in Denver, Colorado

AUGUST 2023 Real Estate Agent Commissions 2023 Review

SEPTEMBER Real Estate Agent Commissions

2023 Review

THE FLOOD TURNED OUR LIVES UPSIDE DOWN. WHEN WE TRIED TO RENT A NEW PLACE TO LIVE, WE KEPT GETTING TURNED DOWN. When the flood came, we had to run from our home. Fortunately, we found temporary shelter. But as we started looking for a place to live, we ran into housing discrimination, which isn’t just unfair – it’s illegal. If you feel that a landlord or broker has denied you the sale, rental or financing of a home based on your race, color, religion, sex, national origin, disability or because you have children, report it to HUD or your local fair housing center.

Go to hud.gov/fairhousing or call 1-800-669-9777 Federal Relay Service 1-800-877-8339 FAIR HOUSING: THE LAW IS ON YOUR SIDE. 2023 Review

A public service message from the U.S. Department of Housing and Urban Development in cooperation with the National Fair Housing Alliance.

The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. thepowerisnowmeida

They told me to “Try someplace else.”

So I did.

I called HUD.

SCAN HERE FOR MORE INFO

I found the perfect apartment near a park and public transportation. I asked for a reasonable accommodation for my service dog, but the landlord told me “no pets – try someplace else.” So I called HUD and found out it’s illegal for a housing provider to prohibit service animals. I filed a complaint, and now my dog and I have a great place to live.

Fair Housing Is Your Right. Use It. Landlords must make reasonable accommodations for persons with disabilities, such as allowing for service animals or providing an accessible parking space. Report housing discrimination to HUD or your local fair housing center.

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Visit www.hud.gov/fairhousing or call the HUD Hotline 1-800-669-9777 (English/Español) 1-800-927-9275 (TTY)

A public service message from the U.S. Department of Housing and Urban Development in partnership with the National Fair Housing Alliance. The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. For more information, visit www.hud.gov/fairhousing.

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W

R

D D O i

COLORA 2023 Review

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VIP AGENT

WALTER E. HUFF II

Realtor

DRE# 1312180 D: [720] 289-9095 O: [303] 785-1267 info@HuffPIA.com BACK TO CONTENTS

ADO thepowerisnowmeida

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Eric Lawrence Frazier MBA President and CEO eric.frazier@thepowerisnow.com The Power Is Now Media 714 475 8629 2023 Review

www.thepowerisnow.com Advisory Services | Real Estate | Mortgage | Finance | Business | Media Licenses: NMLS 461807. CA DRE 0143484. thepowerisnowmeida

LA INUNDACIÓN DIO VUELTA NUESTRAS VIDAS. CUANDO INTENTAMOS ALQUILAR UNA NUEVA VIVIENDA, SEGUÍAMOS RECIBIENDO RECHAZO.

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Cuando llegó la inundación, tuvimos que huir de nuestro hogar. Afortunadamente, encontramos refugio temporal.

Pero cuando comenzamos a buscar un lugar para vivir, nos topamos con discriminación en la vivienda, lo que no solo es injusto, es ilegal. Si sientes que tu propietario o agente inmobiliario te ha negado la venta, el alquiler o la financiación de una vivienda por motivos de raza, color, religión, sexo, nacionalidad, discapacidad o porque tienes hijos, repórtalo a HUD o a tu centro local de igualdad de vivienda.

Visita hud.gov/fairhousing o llama al 1-800-669-9777 Servicio de Retransmisión Federal 1-800-877-8339 IGUALDAD DE VIVIENDA: LA LEY ESTÁ DE TU LADO. Un mensaje de servicio público del Departamento de Vivienda y Desarrollo Urbano de los Estados Unidos en cooperación con la Alianza Nacional de Igualdad de Vivienda.

La Ley Federal de Igualdad de Vivienda prohíbe la discriminación por motivos de raza, color, religión, nacionalidad, sexo, situación familiar o discapacidad. thepowerisnowmeida 2023 Review

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When it comes to housing, little things shouldn’t make a difference.

If you have children or are pregnant and a landlord refuses to rent to you, requires a higher security deposit, limits the use of facilities, or says you can only live in certain areas of a housing complex ... that could be discrimination. And housing discrimination because of familial status is against the law.

If you believe you may be a victim of housing discrimination, contact HUD or your local Fair Housing Center:

Visit www.hud.gov/fairhousing or call the HUD Hotline 1-800-669-9777 (voice) 1-800-927-9275 (TTY)

Your Choice. Your Right. Your Home.

A public service message from the U.S. Department of Housing and Urban Development in partnership with the National Fair Housing Alliance. The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. For more information, visit www.hud.gov/fairhousing.

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WILDFIRES DON’T CARE ABOUT YOUR RACE. BUT WHEN WE TRIED TO RENT A NEW PLACE TO LIVE, WE LEARNED THAT SOME LANDLORDS DO.

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When the fire came, we had to run from our home. Fortunately, we found temporary shelter. But as we started looking for a place to live, we ran into housing discrimination, which isn’t just unfair – it’s illegal. If you feel that a landlord or broker has denied you the sale, rental or financing of a home based on your race, color, religion, sex, national origin, disability or because you have children, report it to HUD or your local fair housing center.

Go to hud.gov/fairhousing or call 1-800-669-9777 Federal Relay Service 1-800-877-8339

FAIR HOUSING: THE LAW IS ON YOUR SIDE. A public service message from the U.S. Department of Housing and Urban Development in cooperation with the National Fair Housing Alliance. thepowerisnowmeida The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability.

2023 Review

Eric Lawrence Frazier MBA President and CEO eric.frazier@thepowerisnow.com The Power Is Now Media 714 475 8629 2023 Review

www.thepowerisnow.com Advisory Services | Real Estate | Mortgage | Finance | Business | Media Licenses: NMLS 461807. CA DRE 0143484. thepowerisnowmeida

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Eric Lawrence Frazier MBA President and CEO eric.frazier@thepowerisnow.com The Power Is Now Media 714 475 8629 thepowerisnowmeida

www.thepowerisnow.com Advisory Services | Real Estate | Mortgage | Finance | Business | Media Licenses: NMLS 461807. CA DRE 0143484.

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Facing Foreclosure or Eviction?

We’re Here to Help Connect with a nonprofit certified housing counselor today.

844-865-3028 or info.nfcc.org/creditorg

The National Foundation for Credit Counseling is the largest and longest-serving network of

100% confidential

nonprofit financial counselors. Our mission is to help everyone gain control over their finances

Dedicated financial support

through free access to financial education.

Credit.org, one of our premier member agencies, understands the need for financial

Personalized solutions

safety, so there is no shame in asking for help. Get back on track today.

Our free and confidential financial counseling offers:

Avoiding Foreclosure and Eviction

Budgeting Assistance

Managing Debt

Resources That Fit Your Needs

Let us help you stay in your home.

Scan the QR code to apply.

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Keeping Our Home Is Our #1 Priority.

Dixon and Eunice Sanchez, Brentwood, NY

Last year we were facing foreclosure and we weren’t sure what to do, but we knew one thing – We wanted to keep our home, NOT LOSE IT. Then we found out about HUD-approved counselors. The expert advice we received helped us save our home.

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Contact a HUD-approved housing counselor for FREE advice. Get started today. Visit:

www.hud.gov/fairhousing or call 1-888-995-HOPE A public service message from the U.S. Department of Housing and Urban Development in partnership with the National Fair Housing Alliance. The federal Fair Housing Act prohibits discrimination because of race, color, thepowerisnowmeida religion, national origin, sex, family status or disability. For more information, visit www.hud.gov/fairhousing.

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WHERE YOU LIVE IS YOUR CHOICE DON’T LET ANYONE TELL YOU DIFFERENTLY. We found the home of our dreams, but the real estate agent said she thought we would be more comfortable in a different neighborhood. But I know it’s illegal to steer prospective homeowners to or from certain neighborhoods based on race or national origin. Report racial steering and put an end to it. Like we did.

SCAN HERE FOR MORE INFO

Visit hud.gov/fairhousing or call the HUD Hotline 1-800-669-9777 (English/Español) 1-800-927-9275 (TTY)

Fair Housing Is Your Right. Use It!

A public service message from the U.S. Department of Housing and Urban Development in partnership with the National Fair Housing Alliance. The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. For more information, visit www.hud.gov/fairhousing.

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SOUNDS LIKE DISCRIMINATION. What matters is how you look on paper – not how you sound over the phone.

Judging you by your race or color instead of your qualifications is discrimination.

It’s unfair, it’s painful... and it’s against the law. The best way to stop housing discrimination is to report it.

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If you believe you may be a victim of housing discrimination, contact HUD or your local Fair Housing Center:

Visit www.hud.gov/fairhousing or call the HUD Hotline 1-800-669-9777 (voice) 1-800-927-9275 (TTY)

Your Choice. Your Right. Your Home.

A public service message from the U.S. Department of Housing and Urban Development in partnership with the National Fair Housing Alliance. The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. For more information, visit www.hud.gov/fairhousing.

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The Key Differences Between PreQualification and Pre-Approval for Denver Homebuyers

By Walter Huff

A

re you a prospective homebuyer in the vibrant city of Denver, Colorado? As you embark on your house-hunting journey, you’ll likely come across two terms that hold significant weight in the homebuying process: pre-qualification and pre-approval. While they may sound similar, understanding the key differences between pre-qualification and pre-approval can be the key to unlocking your dream home. In this article, we’ll dive into these concepts in a casual yet professional tone, shedding light on what each term means, how they differ, and why they matter in the dynamic real estate market of Denver. So, let’s demystify the world of pre-qualification and pre-approval, empowering you with the knowledge to make informed decisions as you pursue your homeownership goals in the Mile High City.

PURPOSE AND DEFINITION: PREQUALIFICATION VS. PRE-APPROVAL FOR DENVER HOMEBUYERS

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When embarking on the journey of buying a home in Denver, it’s crucial to understand the key differences between pre-qualification and preapproval. These terms refer to two distinct stages in the mortgage application process and play a significant role in determining your buying power.

Let’s delve into each of them to gain a better understanding.

PRE-QUALIFICATION Pre-qualification is an initial step in the homebuying process, where you provide basic financial information to a lender. This information typically includes your income, assets, debts, and an estimate of your credit score. Based on this information, the lender will give you a rough estimate of the loan amount you may qualify for.

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The purpose of pre-qualification is to give you a general idea of your affordability range and help you set realistic expectations when searching for a home. It is a relatively informal process and requires minimal documentation. Often, prequalification can be done online or over the phone, making it a convenient first step for potential homebuyers.

However, it’s important to note that pre-qualification is not a guarantee of obtaining a loan. The information provided during pre-qualification is not thoroughly verified, and no formal underwriting takes place at this stage. Therefore, while prequalification provides an initial indication of your borrowing capacity, it should not be solely relied upon when making an offer on a property.

Pre-qualification offers a preliminary assessment of your financial eligibility and serves as a starting point for your homebuying journey in Denver. It provides a general idea of the loan amount you may qualify for, but it does not carry the same weight as pre-approval in terms of reliability and commitment from the lender.

PRE-APPROVAL

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Unlike pre-qualification, pre-approval is a more comprehensive evaluation of your creditworthiness and financial standing. It involves a formal application process and requires you to provide detailed documentation to the lender.

The documentation typically includes income verification, bank statements, tax returns, employment history, and other relevant financial information.

During pre-approval, the lender thoroughly reviews your financial documents, assesses your credit history, and determines the maximum loan amount for which you qualify. This process involves a more in-depth analysis compared to pre-qualification, and it carries more weight when it comes to demonstrating your seriousness and ability to secure financing. thepowerisnowmeida

One of the primary advantages of obtaining preapproval is the accuracy it provides regarding your borrowing capacity. Unlike pre-qualification, pre-approval takes into account verified financial information, allowing you to have a more realistic understanding of the loan amount you can expect.

This accuracy proves valuable when it comes to budgeting and narrowing down your home search.

Furthermore, pre-approval can give you a competitive edge in Denver’s bustling real estate market. Sellers and real estate agents tend to view pre-approved buyers more favorably because it indicates that you have already undergone the necessary steps to secure financing. It shows your commitment to the homebuying process and gives sellers confidence in your ability to close the deal.

Pre-approval is a more rigorous and formal process compared to pre-qualification. It involves providing detailed financial documentation, and the lender conducts a thorough review of your creditworthiness. Pre-approval provides a more accurate estimate of the loan amount you can expect and strengthens your position as a serious buyer in a competitive market.

Understanding the distinctions between prequalification and pre-approval is crucial for Denver homebuyers. While pre-qualification provides a general idea of affordability and acts as an initial step, pre-approval offers a more reliable assessment of your borrowing capacity and provides a competitive advantage in the homebuying process. It is advisable to consult with a mortgage professional to determine which option is best suited to your specific circumstances and goals.

DOCUMENTATION AND PROCESS: PREQUALIFICATION VS. PRE-APPROVAL FOR DENVER HOMEBUYERS When it comes to documentation and the overall

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process, pre-qualification and pre-approval for Denver homebuyers differ significantly. Let’s explore the contrasting requirements and procedures for each stage.

PRE-QUALIFICATION Pre-qualification is known for its simplicity and minimal documentation requirements. The process typically involves providing basic financial information to a lender, such as your income, assets, debts, and an estimated credit score. This information can be submitted online, over the phone, or through a simple application form.

Since pre-qualification is an initial assessment, the documentation needed is relatively straightforward.

You may not need to provide proof or verification of the information you provide during this stage.

This makes pre-qualification a convenient and accessible option for potential homebuyers who are at the early stages of their home search.

However, it’s important to note that pre-qualification has its limitations. Due to the lack of thorough documentation and verification, the loan amount provided during pre-qualification is an estimate rather than a guaranteed amount. It is essential to understand that the actual loan amount and terms can vary once you move forward with the preapproval and underwriting process.

PRE-APPROVAL In contrast, pre-approval involves a more formal and detailed documentation process. To obtain pre-approval, you will be required to submit various financial documents to the lender. These documents typically include income verification, tax returns, bank statements, employment history, and any other relevant financial records.

The lender carefully reviews the documentation provided during pre-approval, verifying the accuracy 2023 Review

and legitimacy of the information. This rigorous process ensures a more accurate assessment of your creditworthiness and financial standing. The lender will evaluate your debt-to-income ratio, credit score, employment stability, and other factors to determine the maximum loan amount you qualify for.

While the documentation requirements for preapproval may seem more extensive, they serve an important purpose. By thoroughly evaluating your financial information, the lender can provide a more accurate estimate of the loan amount you can expect, along with the terms and conditions of the mortgage.

Moreover, the comprehensive documentation and underwriting process during pre-approval instills confidence in sellers and real estate agents. It demonstrates that you have taken the necessary steps to secure financing and are a serious buyer. This can give you a competitive advantage when making an offer on a property in Denver’s competitive housing market.

Pre-qualification involves minimal documentation, providing a preliminary estimate of your borrowing capacity. On the other hand, pre-approval requires thorough documentation and undergoes a more extensive review process, resulting in a more accurate loan amount determination. While prequalification offers convenience, pre-approval provides a stronger foundation and credibility when pursuing your dream home in Denver.

ACCURACY AND RELIABILITY: PREQUALIFICATION VS. PRE-APPROVAL FOR DENVER HOMEBUYERS Accuracy and reliability play a crucial role in the homebuying process, and this is where prequalification and pre-approval differ significantly for Denver homebuyers.

Pre-Qualification thepowerisnowmeida

“ WE DIDN’T EXPECT

HOUSING DISCRIMINATION

WOULD KEEP US FROM OUR NEW HOME.” BACK TO CONTENTS

“ As our family continued to grow, we started looking for a new home. The landlord told us he wasn’t comfortable renting to people with children because they might go to school or daycare and bring home COVID-19.”

COVID-19 inequity is real, and it shouldn’t be made worse because of housing discrimination. If you suspect housing discrimination because of your familial status, file a complaint with HUD or your local fair housing center so we can investigate it.

Go to hud.gov/fairhousing or call 1-800-669-9777 Federal Relay Service 1-800-877-8339 FAIR HOUSING: THE LAW IS ON YOUR SIDE. A public service message from the U.S. Department of Housing and Urban Development in cooperation with the National Fair Housing Alliance.

The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. thepowerisnowmeida 2023 Review

Pre-qualification provides a general idea of your affordability but should not be relied upon as an exact figure. Since pre-qualification is based on the information you provide, without extensive verification, it offers a rough estimate of the loan amount you may qualify for. It serves as an initial assessment and helps you understand a general price range when searching for homes in Denver.

However, it’s important to understand that the actual loan amount you may be approved for can differ from the pre-qualification estimate. During the pre-approval process, the lender conducts a more thorough analysis, including verifying your financial documents and assessing your creditworthiness.

This ensures a more accurate determination of the loan amount you can expect, taking into account your verified financial information.

PRE-APPROVAL Pre-approval offers a higher level of accuracy and reliability compared to pre-qualification. As part of the pre-approval process, the lender reviews your financial documents, verifies your income, employment, and credit history. This comprehensive evaluation provides a more precise assessment of your borrowing capacity and helps you set realistic expectations when searching for homes in Denver.

With pre-approval, you can have more confidence in the loan amount determined by the lender. It demonstrates that your financial information has been thoroughly evaluated and gives you a clearer understanding of your purchasing power. This accuracy can be invaluable when budgeting and making offers on properties.

Additionally, pre-approval showcases your commitment to the homebuying process. It assures sellers and real estate agents that you have undergone the necessary steps to secure financing, making you a more reliable and serious buyer. In a competitive market like Denver, having a preapproval can give you an advantage over other buyers who may only have pre-qualification or no

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formal loan approval at all.

In summary, pre-qualification provides a general estimate of affordability but may not reflect the actual loan amount you will be approved for. Preapproval, on the other hand, offers a more accurate assessment based on verified financial information, providing a clearer picture of your borrowing capacity. The reliability of pre-approval strengthens your position as a serious buyer in the competitive Denver housing market.

COMPETITIVE ADVANTAGE: PREQUALIFICATION VS. PRE-APPROVAL FOR DENVER HOMEBUYERS In a competitive real estate market like Denver, having a competitive advantage can make a significant difference in your homebuying journey.

Let’s explore how pre-qualification and pre-approval can impact your position as a buyer.

PRE-QUALIFICATION: While pre-qualification offers a starting point for understanding your affordability, it may not provide a strong competitive advantage. Since prequalification does not involve extensive verification or underwriting, it holds less weight when making an offer on a property. In a seller’s market, where multiple buyers are vying for the same property, relying solely on pre-qualification may put you at a disadvantage.

PRE-APPROVAL: Pre-approval, on the other hand, can give you a significant competitive edge. When you have pre-approval, it demonstrates to sellers and real estate agents that you have already completed the necessary steps to secure financing. It shows your commitment, financial readiness, and ability to follow through with the purchase.

In a competitive market, sellers often prefer

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advantage can help you stand out in a crowded market and increase your chances of securing your desired property in Denver.

In conclusion, pre-qualification may not provide a substantial competitive advantage, whereas preapproval demonstrates your financial readiness and commitment, giving you an edge in Denver’s competitive housing market. By obtaining preapproval, you position yourself as a strong and reliable buyer, increasing your chances of success in acquiring your dream home.

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working with pre-approved buyers as it reduces the risk of the deal falling through due to financing issues. Real estate agents are also more likely to prioritize your interests when they see that you have pre-approval, as it indicates a higher level of seriousness and preparedness.

By presenting a pre-approval letter with your offer you can differentiate yourself from other potential buyers who may only have pre-qualification or no formal loan approval at all. This competitive

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Are you ready to embark on your homebuying journey in Denver? At Huff Homeownership Legacy Team, LLC, we understand the intricacies of the local market and are dedicated to guiding buyers through the pre-qualification and preapproval process. With years of experience and a commitment to client satisfaction, our team is here to provide personalized assistance tailored to your unique needs. Contact us at (303) 785-1267 and let us help you navigate the path to homeownership in Denver. Together, we can turn your dreams of owning a home into a reality.

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Understanding the differences between prequalification and pre-approval is crucial for homebuyers in Denver’s dynamic real estate market. By exploring the concepts of prequalification and pre-approval, buyers can gain valuable insights into their borrowing capacity and navigate the homebuying process with confidence.

Pre-qualification offers an initial estimate of affordability, while pre-approval holds greater weight and provides a competitive edge in Denver’s competitive market. Each step in the process has its significance, and being well-informed empowers buyers to make informed decisions.

HOUSING DISCRIMINATION

UNMASKED.

Don’t let housing discrimination get covered up. “ When I went looking for an apartment, I wore a mask. But they could still see I’m Black. I was told that they wouldn’t rent to me because they heard Black people were disproportionately getting COVID-19.”

COVID-19 inequity is real, and it shouldn’t be made worse because of housing discrimination. If you suspect housing discrimination because of your race, color or national origin, file a complaint with HUD or your local fair housing center so we can investigate it.

For more information, go to: hud.gov/fairhousing or call 1-800-669-9777 Federal Relay Service 1-800-877-8339 FAIR HOUSING: THE LAW IS ON YOUR SIDE. 2023 Review

A public service message from the U.S. Department of Housing and Urban Development in cooperation with the National Fair Housing Alliance.

The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, thepowerisnowmeida familial status or disability.

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GSFA Celebrates 30 Years Paving a Path to Homeownership 85,000

Individuals and Families Helped to Purchase a Home

$660 Million

In Down Payment and Closing Cost Assistance Provided

Be Your Client's Link to Down Payment Assistance and Close More Sales • Learn more about GSFA Programs • Download marketing materials • Link up with GSFA Participating Lenders

Golden State Finance Authority (GSFA) is a duly constituted public entity and agency. Copyright © 2023

$3.5 Million

In Emergency Disaster Assistance Given Back to California Residents

gsfahome.org (855) 740-8422

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When is the Best Time to Sell a Home in Denver, Colorado?

By Walter Huff

S

elling a home is a major decision that requires careful planning and consideration. If you’re a homeowner in Denver, Colorado, looking to sell your property, you may be wondering when the best

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time to enter the market is. Timing plays a crucial role in the real estate industry, and understanding the local market dynamics can help you maximize your chances of a successful sale. In this blog post, we will explore the factors that influence the ideal time to sell a home in Denver, Colorado. thepowerisnowmeida

1.CONSIDER THE LOCAL REAL ESTATE MARKET: To determine the best time to sell your home in Denver, it’s essential to assess the current state of the local real estate market. Market conditions can fluctuate, impacting the demand and supply of homes. Factors such as inventory levels, buyer demand, and interest rates all play a role in the market’s competitiveness. Consulting with a local real estate agent or researching recent market trends will provide valuable insights into the conditions you may face.

2.SEASONAL TRENDS: Seasonal fluctuations can significantly affect the real estate market, and Denver is no exception.

Spring and summer tend to be the busiest seasons for home sales. The pleasant weather and longer daylight hours make it an ideal time for buyers to explore properties. Additionally, families with children often prefer to move during the summer to minimize disruption to their children’s education.

However, keep in mind that increased competition during these seasons may impact pricing and negotiation power.

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3.WEATHER CONSIDERATIONS: Colorado’s weather is known for its dramatic changes, particularly during the winter months.

Snowstorms and colder temperatures can affect the number of potential buyers willing to venture out to view homes. However, Denver’s climate is relatively mild, and winter can still present opportunities for sellers. Some buyers may be attracted to lower inventory levels during this time, potentially resulting in less competition.

Economic stability and job growth can also influence the timing of a home sale. Denver’s strong economy, fueled by various industries such as technology, healthcare, and renewable energy, has led to a steady influx of new residents. Understanding the economic climate and the local job market can help you gauge the demand for housing and determine the best time to sell.

5.PERSONAL CIRCUMSTANCES: While market conditions and seasonal trends are essential considerations, your personal circumstances should also play a role in determining when to sell your home. Factors such as job relocation, financial goals, or changes in family size can influence your decision. It’s essential to weigh these factors alongside the market dynamics to make an informed choice.

CONCLUSION Deciding when to sell your home in Denver, Colorado, involves careful consideration of various factors, including the local real estate market, seasonal trends, weather conditions, economic factors, and your personal circumstances. While spring and summer often offer increased buyer activity, other factors such as reduced competition or unique circumstances may make other seasons equally favorable for selling. Ultimately, consulting with a local real estate professional and analyzing the current market conditions will help you determine the best time to sell your home and achieve your desired outcome.

4.ECONOMIC FACTORS:

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Where Starting Over happens every day!

We’re Starting Over, Inc. - a 501(c)(3) organization dedicated to supporting and uplifting people experiencing the effects of mass incarceration, systemic racism, housing insecurity, substance addiction, and mental health issues. We believe that people impacted by these issues are the ones closest to the solutions, which is why we are a Black-led and criminal justice-impacted organization engaged in this work. From experience, we’ve learned that housing is critical, but alone, it is not enough to support those exiting prisons or the streets. We not only provide transitional housing, but also include holistic services such as peer support, case management, employment, wellness, and reentry services. We also work to address the root causes of our houseguests’ difficult situations, leading grassroots organizing and policy initiatives in the Inland Empire region and statewide. Established in 2009, we’ve served over 1,400 men, women, and families in Riverside and Los Angeles Counties through the reentry and transition process.

We believe that the past does not define our future. We’re invested in creating safe and equitable opportunities for all members of our community, and especially those with past convictions. Housing opportunities are crucial for our community members and directly affect their ability to thrive.

Starting Over, Inc. is committed to reducing and eliminating the many barriers to life after incarceration.

We have a deep commitment to identifying and implementing evidence-based approaches to strong communities and families. We seek to creating program/project solutions where the need exists in our community. We do lots of things at Starting Over, Inc. - but our primary goal is to address the immediate effects and root causes of incarceration, be it through housing, employment, legislation, or community organizing.

To get involved with our initiatives, access our services, or support our work through donations, you can reach us at (951) 898-0862 or office@startingoverinc.org.

www.startingoverinc.org 2023 Review

6355 Riverside Ave Suite 100,

thepowerisnowmeida Riverside, CA 92506

Our programming and projects include, but are not limited to:

Transitional Housing

We currently operate eight homes in LA and Riverside Counties open to men, women, and children, with options for sober living or harm-reduction housing. All of our services are available to our houseguests, many of whom have been unable to obtain housing after being released due to their conviction histories.

Case Management

Our Case Management specialists provide support to our guests with obtaining necessary documents/identification and accessing insurance, education, healthcare, clothing, food, & more.

Peer Support

Our houseguests are not alone - our support specialists, having experienced incarceration, addiction, and homelessness themselves - understand our guests' needs and the barriers they face. We’re here to meet our guests wherever they are in their journeys and to support them moving forward through empowerment, support with recovery, referrals, and mentorship.

Family Reunification, Equity, & Empowerment (FREE) Project

Mass incarceration affects not just individuals, but families - many of our community members and guests experience family separation at the hands of the child welfare system. The FREE Project is system-impacted led and organizes parents and family members in a non-judgemental space, advising on best practices and dependency court procedures. We recently sponsored and passed a statewide bill that eliminates major barriers to child placement and allows family members with criminal convictions unrelated to caring for children to be considered as placement options allowing for suitable family members with criminal convictions to step up in times of crisis.

Employment

Through our Path to SEED program, we connect guests and community members with employment opportunities and provide training & support regarding obtaining and retaining employment, often a major hurdle for formerly incarcerated individuals.

Marshall Legal Clinic

Our free clinics provide relief for expungements, wills/trusts, immigration, and more with the support of local legal organizations.

Policy Advocacy

In the past year, we’ve co-sponsored and/or supported nearly a dozen statewide bills to reduce the scale of mass incarceration and its collateral consequences. We’ve also worked locally to influence Riverside County to reduce criminal history look-back periods from 7 years to 3 years in 2017 and to enable youth coming out of probation to be able to stay with their family members in subsidized housing.

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Grassroots Organizing & Civic Engagement

Our Participatory Defense organizing model (based on Silicon Valley De-Bug) empowers family and community members in the courtroom to positively impact their loved one’s outcome and to bring them home. As fiscal sponsor and start-up organization of Riverside All of Us or None (a chapter of a national initiative of formerly incarcerated people, family members, and allies advocating for the rights of the currently and formerly incarcerated people) we ensure that system impacted leadership remains at the center of the fight to keep our community together and address the social problems that incarceration purports to solve. Our community outreach team also disseminates voter registration and public health information regarding COVID-19, and we organize food and clothing relief for community members in need.

(951) 898-0862

thepowerisnowmeida

office@startingoverinc.org

2023 Review

4 Surprising Things That May Increase How Much Your Home Is Worth

By Walter Huff

W

hen it comes to increasing the value of your home, most homeowners think of typical upgrades like remodeling the kitchen or adding a fresh coat of paint. However, there are some surprising factors that can significantly impact your home’s worth. In this article, we’ll explore four unexpected elements that may boost your property’s value and attract potential buyers.

CURB APPEAL ENHANCEMENTS 2023 Review

First impressions matter, and the exterior of your home plays a vital role in attracting potential buyers. Improving your property’s curb appeal can have a surprisingly positive impact on its value.

Consider these enhancement ideas: ●Landscaping: A well-maintained lawn, trimmed bushes, and colorful flowers can transform the overall look of your home, making it more appealing to buyers. thepowerisnowmeida

●Front Door Upgrade: Installing a stylish and secure front door can instantly elevate the facade of your house and create a lasting impression. ●Outdoor Lighting: Strategically placed lighting around the exterior can not only enhance the visual appeal but also improve safety and security.

ENERGY-EFFICIENT FEATURES With the rising awareness of environmental concerns and energy costs, homebuyers are increasingly seeking energy-efficient properties.

Incorporating the following features can make your home stand out and potentially increase its value: ●Solar Panels: Installing solar panels can significantly reduce energy bills and make your home more attractive to eco-conscious buyers. ●Energy-Efficient Windows: Upgrading to energyefficient windows not only reduces energy consumption but also improves insulation and enhances indoor comfort. ●Smart Home Technology: Implementing smart thermostats, lighting systems, and other energysaving devices can appeal to tech-savvy buyers and boost your home’s perceived value.

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ACCESSIBILITY IMPROVEMENTS An often overlooked aspect of increasing home value is making it more accessible to a wider range of potential buyers. Consider these modifications: ●Single-Floor Living: If possible, create a bedroom and bathroom on the main level, catering to those who prefer or require single-floor living. ●Entryway Modifications: Installing a ramp or lift at the entrance can accommodate individuals with mobility challenges, making your home more inclusive. ●Wide Doorways and Hallways: Expanding doorways and hallways can enhance accessibility thepowerisnowmeida

for wheelchair users and improve the overall flow of your home.

PROXIMITY TO RECREATIONAL AREAS AND GREEN SPACES The location of your home is a crucial factor in determining its value. Proximity to recreational areas and green spaces can be surprisingly influential in attracting potential buyers: ●Parks and Playgrounds: Living near wellmaintained parks and playgrounds can appeal to families with children and enhance the quality of life. ●Walking Trails and Nature Reserves: Access to nearby walking trails and nature reserves can attract nature enthusiasts and healthconscious individuals. ●Water Bodies: Homes situated close to lakes, rivers, or the ocean often carry a premium due to the serene views and recreational opportunities they offer.

CONCLUSION While traditional home upgrades remain important, considering these surprising factors can add significant value to your property and set it apart in a competitive market. Enhancing your home’s curb appeal, incorporating energyefficient features, making it accessible, and leveraging its proximity to recreational areas can surprise you with the increased interest from potential buyers and a higher valuation.

Always remember to do thorough research and consult with real estate professionals to make informed decisions tailored to your specific market and property.

2023 Review

WALTER E. HUFF II REAL ESTATE FOR SALE

2023 JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPEMBER OCTOBER NOVEMBER DECEMBER 2023 Review

How can we tell him that the color of his skin is keeping his family from the home of its dreams?

Image by Bernie Kleina

SCAN HERE FOR MORE INFO

Housing discrimination isn’t just unfair – it’s against the law. If you feel that you’ve been denied the sale, rental or financing of a home because of race, color, national origin, religion, sex, familial status or disability, report it to HUD or your local fair housing center.

Fair Housing Is Your Right. Use It. Visit www.hud.gov/fairhousing or call the HUD Hotline 1-800-669-9777 (English/Español) 1-800-927-9275 (TTY)

A public service message from the U.S. Department of Housing and Urban Development in partnership with the National Fair Housing Alliance. The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. For more information, visit www.hud.gov/fairhousing.

2023 Review

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Eric Lawrence Frazier MBA President and CEO eric.frazier@thepowerisnow.com The Power Is Now Media 714 475 8629 2023 Review

www.thepowerisnow.com Advisory Services | Real Estate | Mortgage | Finance | Business | Media Licenses: NMLS 461807. CA DRE 0143484.

Eric Lawrence Frazier MBA President and CEO eric.frazier@thepowerisnow.com The Power Is Now Media 714 475 8629

www.thepowerisnow.com Advisory Services | Real Estate | Mortgage | Finance | Business | Media Licenses: NMLS 461807. CA DRE 0143484.

2023 Review

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Home Ownership

by Eric Law1'ence F1,azie1· MBA Home ownership brings stability to individuals and families who have never had a dwelling place that they could call their own. There Is something special about owning real estate that 1sunlike anything else on earth you can own.

Real Estate you own is not like cars that decay over time and you have to replace them.

Real Estate you own is not like clothes that go out of style and you have to buy new ones.

Real Estate you own is not like expensive vacations or experiences that only last a moment in time.

Real Estate you own is not like an apartment where the landlord may increase the rent until it's no longer affordable.

Real Estate you own is not like staying at your parents house where you know can't stay forever.

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