“I have never had a sense of home, I never thought I would buy a house. Now that I have it, it still feels like a dream,” is what Elliot, a recent first-time homebuyer, had to say as they have embarked on this new journey.

Elliot, a proud Georgian, had grown up in the foster care system at a young age after their parents passed away. After spending time in South Georgia’s College Park, or one of the sea chain islands in Helena Park, they wanted to set roots along the way.

As a queer-disabled, multi-racial person, thoroughly researching and comparing options via spreadsheets (shoutout to their Master’s Degree in Library Science), from social and economic policies, finding community, accessing public transportation and healthcare, and affordability was key to finding their new home. Elliot had their eyes set on Minnesota. Additionally, Elliot appreciated how welcoming many Minnesotans are to refugees and being fairly inclusive. Although some people may have their own image of Minnesota, they have been able to see how Minnesota can embody the spirit of “give me your tired, your poor.”

Today, Elliot is getting settled into their new home on the East Side of Saint Paul thanks to a culmination of quality friendships, advice from sincere professionals, and believing that they are deserving of a place to call home. You can read more about their story below:

How has the transition to Minnesota been?

While I love my hometown’s food, the people, etcetera, it turns out I love the winter. I went out in shorts in the city of Atlanta’s 2014 snowmageddon snowfall. The roads were deemed being in emergency conditions, they had to remove cars, Georgia was not prepared for that. In Minnesota, they seem to take more caution and be more prepared.

I brought Marcus [you can read about his story here!] and encouraged three of my other friends to come to Minnesota. Marcus and I have been friends for 11 years. I was a sophomore in college when we narrowed down where we were going to be be moving to with darts. Minnesota won 4-0 in the game. Marcus was a HUGE part of housing searching process. I got a grant from the city of Saint Paul for my down payment, on the condition that I stay in my house for 10 years. I now live on the border of Phalen. I got shopping in Maplewood. I can go to Minneapolis for day trips. It’s been great. 

How did you get connected with your ABC Realty Realtor, Seanne Thomas?

My model city advisor gave me a list of [realtor] names. I have a huge tenant to support Black and women-owned businesses. ABC supports the things that I want in my community, because they are a part of that. Out of the list, I chose Seanne who also is a Phalen girlie which is wonderful. 

I grew up bouncing houses in foster care since I was 4. I have never had a sense of home, never thought I’d buy a house. Almost as if it was out of reach. I was waitlisted for the Saint Paul grant program, where you have 30 days to complete financial education coaching. When Seanne and I started the housing search we viewed 16 houses in three weeks. I signed a work contract at the beginning of August and by the beginning of September, even though it was a rough market, we were able to make things start to happen. Everything happened kind of fast but I’m glad it got me to where I am today. 

Tell us about your new home. 

It was built in 1925. I’m trying to restore as much of it as I can. I didn’t know what to do with myself [upon moving], but Seanne gave an idea of the nearby restaurants, the community, and overall helpful tips as someone who knew nothing about the housing process here. 

After I got the keys in October, unfortunately in the freak accident of the universe, my boiler went out 10 days after. We were winterizing things as much as possible. I ended up moving in on December 16th and I never thought I would ever have a home. I never thought I’d be in the wealth class of homeownership. Now that I have it I’m going to put apple trees down. It still feels like a dream.

I work for the state, have lovely access to public transportation, and my cat. It’s a good city. The neighborhood is great, despite being disabled, I’m a trans non-binary, disabled person in America that has been given the opportunity to live a life here.

Any piece of advice for other first-time home buyers?

It’s always going to cost more money than just the mortgage. Your home may not be perfect the first-time. There are tool libraries that work between business hours, use them. Youtube is your friend. Save up at least 200 dollars if you want to patch up anything. Enjoy moving, enjoy living before you try to perfect the house. Don’t skip your home inspection!

Which is your favorite room?

My nomadic foster life led me to collecting. I took the door off of a closet and put bookshelves, slowly turning it into a library. I am currently reading a book called The Poison Heart, it’s about an African-American girl whose family leaves her a property, and a book on herbs.

ABC Realty would like to give a big thank you to Elliot and wish them a prosperous time as they relish in this moment in time. We can use this empowering story as a reminder to lean on your community and their resources. They can often times play a crucial role in providing the necessary guidance and support throughout the homebuying process. From financial assistance programs to accessibility resources, ABC realty can ensure you have the tools, knowledge, and options necessary needed to make the best decision in securing your new home.

In recent years, there has been a growing recognition of the importance of diversity and inclusion in all aspects of society. This includes the realm of homeownership, where young BIPOC (Black, Indigenous, and People of Color) individuals play a crucial role. Empowering and supporting young BIPOC homebuyers is not only a matter of social justice but also has significant economic and societal benefits. 

ABC Realty was able to connect with a recent young BIPOC homebuyer, Marcus, where he was able to tell his story of how he utilized community resources to close on his first home. 

Marcus, can you explain what the homebuying process was like and how you got connected with your ABC Realty real estate agent, Seanne Thomas?

Honestly, it was a pain in the butt! We were looking at houses from September until December 30th before we settled on the home we chose. With every house there was a problem. Maybe the house would have cost me more money to set up, or for me to fix. Or maybe when we were ready to choose a home, someone already had purchased that home. 

My previous roommate was also looking for a home at the time, so they recommended Seanne Thomas. From then on, we began looking at the Rivoli homes coming up, there were also income-driven comes that we were looking at.  

I went with the NeighborWorks program that works with low- to moderate-incomes homes. I depended on the combination of both Seanne and other family members who have also owned a house. Since Seanne is more knowledgeable on the Minnesota market, I was able to ask, “Is this normal here?”

NeighborWorks Home Partner, how did you discover them and their ties with Habitat for Humanity?

I spoke with a home advisor, Jeff, that basically recommended me to reach out to Habitat for Humanity. They have a loan lending program, or NeighborWorks opportunity. This program had the lowest interest rate going because the housing interest rate was really high at the time. 

This process was the easiest of them all. They just needed my information. I would recommend this program to first-time homebuyers. If you have less debt and have a good financial standing, I’d recommended this program even more. From [trying to get my new] mortgage, to car payments, to student loans, this program helped me balance it all. This program goes based off of fixed monthly payments at no more than 30% of your income. 

I hear a little accent, what’s your background? How long have you been in the Twin Cities for?

I’m all the way from Albany, Georgia. I moved up here in 2019 and got my master’s degree. Trying to get your master’s degree and moving at the same time, was a little weird. The job market down in Georgia was not good for tech roles, versus coming here to Minnesota. Ironically enough, it was either Minnesota or New York. [My roommate and I] we ended up tossing some darts and we said, “whichever city it lands [on], it’s going to be a fresh start for everyone.” Once that was decided, I was just looking for jobs, especially after they started raising the rent in our current apartment. We ultimately came to the conclusion that after raising our rent, we might as well both get our own homes.

Tell us a bit about your home! What’s your favorite room in your home?

I have not stayed in the house yet, but I don’t recommend moving in the winter! I’m still moving things in. It’s in Saint Paul and the neighborhood seems pretty quiet. I have seen different animals these days.

My [soon-to-be] game room/office is my favorite room! I’m going to be playing my Naruto games for sure. I’m hoping to get a better PC so I can play even more games.

What were you looking for in a home versus what you might have had to possibly compromise on?

Before my compromises, I wanted a four bedroom, two baths, and a basement. After the compromises and prices, I pulled back to three rooms, and I could possibly turn the basement into a fourth bedroom or guest room. For the price that I got the house, there’s a garage also detached. For the bathroom I didn’t get, I did get a garage and there’s lots of space in the attic.

What do you recommend for other young BIPOC folks that may also be first-time homebuyers?

I would definitely recommend to do your research and make sure you get your home inspection.

Dayton's Bluff Neighborhood Housing Services Plans Development with $7M NMTC Allocation • Smith NMTC Associates, LLC

Empowering young BIPOC homebuyers is essential for creating a more inclusive and equitable society. By providing opportunities for homeownership, we can promote economic empowerment, community stability, representation, and work towards closing the racial wealth gap. It is crucial for policymakers, lenders, and community organizations to collaborate and implement initiatives that remove barriers and provide support to young BIPOC individuals on their journey to homeownership. Together, we can create a future where everyone has an equal opportunity to achieve the dream of owning a home for future generations. 

In the heart of St. Paul, Minnesota, a remarkable initiative is taking shape to address the pressing issue of housing justice. The East Side Community Investment Cooperative (ESCIC) is a shining example of how cooperative models can empower communities and pave the way for a more equitable future. ABC Realty also got a chance to speak with Ismail Khadar, a native East Sider and Co-Director at the East Side Freedom Library, to learn more about this initiative and how we can imagine better futures for our communities.

The Power of Co-ops in Housing:
Cooperative housing models have long been recognized as a powerful tool for addressing housing inequality. Unlike traditional housing structures, co-ops are owned and governed by the residents themselves, ensuring that decisions are made collectively and in the best interest of the community. This democratic approach not only fosters a sense of ownership and pride but also allows residents to actively participate in shaping their living environment.


ESCIC stands as a beacon of hope in the pursuit of housing justice. This cooperative is led by dedicated individuals such as Muneer Karcher-Ramos, the director of the Office of Financial Empowerment with the city of Saint Paul. The co-op located in St. Paul’s East Side, is committed to providing affordable and sustainable housing options for its community members. By pooling resources and leveraging collective strength, ESCIC aims to create a safe and inclusive environment where everyone has access to decent housing.

Partnerships for Success:
ESCIC’s journey towards housing justice has been made possible through strategic partnerships. Nexus Community Partners, a trusted ally, has played a pivotal role in assisting ESCIC with the incorporation process and navigating technical details. This collaboration highlights the importance of community organizations working hand in hand to achieve common goals.

The Arc of Justice:
To truly understand the significance of ESCIC’s mission, we must acknowledge the historical context of housing justice struggles. The documentary film “Arc of Justice” sheds light on the challenges faced by African American cooperatives, including NCI, in their pursuit of economic independence. ESCIC’s commitment to housing justice echoes the resilience and determination of those who came before them, fighting against discrimination and striving for a better future.

Housing Justice for All:
ESCIC’s work extends beyond providing affordable housing. It is deeply rooted in the principles of housing justice, which advocate for fair and equitable access to housing for all individuals, regardless of their background or socioeconomic status. By actively engaging with the community and addressing systemic barriers, ESCIC is paving the way for a more just and inclusive society.

The East Side Community Investment Cooperative in St. Paul, MN, stands as a shining example of the transformative power of co-ops in housing. Through their commitment to housing justice, ESCIC is not only providing affordable housing but also empowering communities and fostering a sense of belonging. As we continue to strive for a more equitable society, initiatives like ESCIC serve as a reminder that collective action and cooperative models can bring about lasting change. Together, we can build a future where housing justice is a reality for all.

To learn more information or to keep up-to-date with the most recent news, you can visit ESABA’s website here. 


We have been receiving tons of questions on the Rivoli Revival! Due to unfortunate events, the Rivoli houses will be delayed until spring 2022. Continue to keep an eye out for our updates on the project and contact us for any information about the houses.

There is some good news about the development of the Hillcrest site. Janet Leadholm has worked hard at recreating a new plan for the site and is working to get this plan out to the public for support. To view Janet’s plan in comparison to the plan the city has in place, scroll below! The photos appear small but click on them for a better view.

You can email Janet Leadholm at janleadholm@gmail.com or our Broker, Seanne Thomas, if you want more information on the development of the Hillcrest site.

As June comes to a close, we want to share some of the highlights we recognize this month.

First, June is when we celebrate Juneteenth. It marks the day the word of freedom reached the last enslaved people in Galveston Texas in 1865, more than 2 years since the emancipation proclamation was put into place. Though we celebrate Juneteenth as a victory out of enslavement, the oppression of the black community has taken many other forms that we still work tirelessly to end. Today we celebrate all the hard work of not only us, but of our ancestors.
We also celebrated the entire month in recognition of our LGBTQ+ community! Did you know that we celebrate June as Pride Month because of a black bisexual trans woman? ?️‍? It all started when Marsha P Johnson threw a brick at police in a revolt against their violence to the LGBTQ+ community.
Home ownership rates for LGBTQ+ are still low due to discrimination. Regardless, ABC Realty has worked with many people in the LGBTQ+ community to become homeowners! We also have agents who are LGBTQ+ to work personally with you!
This month we recongnize the oppression the community has faced and still faces daily, and we stand in solidarity with you ❤️?????

Many exciting updates came out of April!

First, our Broker, Seanne Thomas, got nominated as the honorable SPAAR Hero for the amazing work ABC Realty has done for the community; Particularly for our role in becoming a launchpad for young professionals starting their careers.

Click the link below to watch the video on YouTube!


Second, an update on the Village on Rivioli modular solar-powered homes:
Last month, crews started building the first two houses. The south-facing end of the house will be covered with solar panels that are expected to generate most, if not all, the power that’s used by residents.These houses are among the biggest single-family affordable developments in St.Paul for decades. Buyers can earn no more than 80% of the local area median income. For a family of four, that’s $78,500, and the houses will be priced less than $250,000. But just because it’s affordable, doesn’t mean it can’t be quality! With a star architect and high-end materials and construction techniques, the project shatters many of the stereotypes about the quality and character of affordable housing.

 


Lastly, ABC Realty is teaming up with YardHomes MN to bring you a new type of unit coming to the Twin Cities! Their spacious, single level unit is great if you’re looking for a gorgeous newly built home at a fraction of the cost.  This can potentially be used as an ADU (accessory dwelling unit) on your property to use as an office space, guest-house, or space for a son or daughter moving back home. Even if you love your current home, what’s better than a get-away? Use this up-north as your family cabin!


 

Welcome to Property Press Sites. This is your first post. Edit or delete it, then start writing!

After a full year in the pandemic, how is the spring 2021 real estate market? Like so many other industries, the housing market was not exempt from Covid-19’s effects. Remarkably, the residential real estate market (including existing homes and new construction) has flourished over the last twelve months. Sales are up, prices are appreciating, and more new homes are being built. The housing market has been a pillar of strength in an otherwise slowly recovering economy. New listings and showings are up since last year, and homes in St. Paul receives 6 offers on average and sells in around 31.5 days. This is down from an average of 41 days on the market in 2020 and 45 days in 2019! The average sale price of a home in St. Paul was $238K last month, up 6.3% since last year. The average sale price per square foot in St. Paul is $164, up 10.4% since last year. The market is clearly still in the seller’s favor. Home prices continue to rise while interest rates remain low and home buyers continue to chase opportunities to buy a house. Buyers who wait for price reductions or open houses will miss out. We have never seen anything like the current housing market, but we hope it is here to stay! Stay tuned for upcoming listings on the Village on Rivoli and  across Scattered Sites this Spring 2021.

 

February is Black History Month, an annual celebration which calls on all Americans to reflect on the significant roles that African-Americans have played in shaping US history. We take this time to celebrate being the only black female owned full service brick and mortar brokerage in the Twin Cities.

 As ABC Realty is expanding, we are becoming known as a launch pad to young professionals starting their career. Empowering young adults to find and keep meaningful employment through mentorship, guided community justice work, and career navigation. 

We have two new POC members, Mikayla Patrick and Monet Auguston! Mikayla is the new Operations and Social Media Manager and Monet is our newest Agent on the sales team. As members they will have the opportunity to utilize all of the resources the Brokerage presents.  

While we are excited to gain members, we are also losing a few valued parts of our team. Mhonpaj, Ismail and Ben will no longer be working for this brokerage; though they will all still work with the lovely East Side community in other facets. 

Mhonpaj, one of our highest esteemed Realtors, was a top producer as a six figure agent, bringing 104k in commissions last year alone. You can find Mhonpaj at Home Sellers Realty, or at her farm which has been infamously named “Mhonpaj’s Garden.” 

Ismail, one of our Operations Managers, can be found working as an Engagement Specialist with Minnesota HomeOwnership Center continuing the work for equity and equality for the East Side.

Ben, our other Operations Manager, will continue working as the leader of the East Side Housing Justice Coalition which stemmed directly out of ABC Realty’s justice work. He is based out of the East Side Freedom Library, which has a mission to inspire solidarity, advocating for justice and work toward equity for all. 

Both Ben and Ismail’s new positions are a direct result of the amazing justice work they were able to accomplish through ABC Realty. The Brokerage is a platform to mold and build young professionals, allowing them to get the real life experience they need to put on their resumes and expand into their future.  

Rooted in community, ABC Realty is vested in giving opportunities to both community members and people of color,  making sure they are represented in the work we do here. 

When you support this Brokerage, you are supporting the work we do to uplift and change the lives of young people in the community. 

Recently the National Association of REALTORS released a public apology for their participation in systemic racism. NAR recognized and apologized for their promotion and practice of racist practices such as steering, redlining and the support of racial covenants. They even went as far to admit their upholding of discriminatory practices in their code of ethics from 1924 to 1974. NAR has not only apologized but in January they unveiled their Fair Housing ACT! Plan linked here. This plan aims to right the wrongs and address ongoing forms of discrimination in Real Estate. What are some issues around race you think should be addressed in housing? If you’d like to learn more the full article is attached here.

Next Thursday ABC Realty will be participating in Give to the Max day! November 19th we will participate in a Quiz Bowl challenge hosted by our longtime collaborator the East Side Freedom Library. All donations will go to them during their Unmapping Saint Paul showdown. There will be two teams, relators vs.. local politicians, who will duke it out to see who knows more about Saint Paul. The event is 100% online and will be held on Facebook live. We encourage you to attend and donate if you can. The East Side Freedom Library has done a lot of great work on the East Side and throughout the metro. If you’d like to learn more follow the link attached here. We look forward to seeing you there!

The census is upon us again and this year Minnesota has a lot on the line. Minnesota saw a huge population decline after the 2008 Market Crash. The decline was so bad that this year we may lose one of our congressional seats. In the last decade however, Minnesota has seen an increase in population. From 2010 to 2019 we have grown by 300,000 people. Even though this isn’t enough to offset the loss of population we experienced in the late 2000’s it is still a good trend! The most fascinating aspect of this growth is where it is coming from. Of the 300,000 new residents 2/3rds of them come from natural population growth. Natural growth meaning births that exceed the amount of deaths in the state. The other third of the population growth comes from recent immigrants from Africa and Asia. Of the three forms of population growth, in state migration is the one we fall behind in. Although 2017 and 2018 provided Minnesota with a positive in state migration, it isn’t enough to offset the losses from earlier in the last decade. When we look at this data we should keep one thing in mind, immigration plays a huge part in Minnesota’s history and present day reality. As our state continues to become more diverse what are some things you think needs to change about our attitudes and culture in Minnesota?

Thanks!

We will be contacting you shortly with information about your home.