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Your Voice Matters: Let’s Get Ready to Vote This Fall
As we approach the fall of 2024, it’s time to think about an important opportunity to make our voices heard: voting! Here at ABC Realty Twin Cities, we believe that participating in elections is essential—not just for shaping our nation but also for impacting our local community.
Minnesota provides you with three voting options:
Voting is about more than just picking a president; it’s about choosing local leaders who affect our everyday lives. Local politicians make decisions on key issues like housing, education, and public safety—issues that directly touch our neighborhoods. So when you vote in local elections, you’re really helping to shape the community around you.
If you haven’t registered yet, or if you’ve moved or changed your name, now is the perfect time to get it done. You can find all the info you need about registering to vote at the Minnesota Secretary of State’s website here.
All voters will have these races on their general election ballot:
Voters may also have one or more of these races on their ballot:
Once you’re registered, the next step is knowing where to vote. There are plenty of voting sites around the East Side of Saint Paul. For specific locations and hours, be sure to check out the Minnesota Secretary of State’s website or your local election office.
In Minnesota, you can vote early with an absentee ballot starting 46 days before Election Day. You can request an absentee ballot online for federal, state, and county elections. Read about other options and more information about absentee voting at the links below.
Unlike many states, you can wait until Election Day to register in Minnesota. However, we encourage you to register before Election Day—it will save you time at the polling place.
We know that the lead-up to an election can feel a bit overwhelming, so it’s important to take care of yourself during this busy time. To help with that, we’re excited to share a free meditation opportunity at Up Yoga. It’s a great way to find some calm and clarity amidst the hustle and bustle. You can check out the details of the meditation workshop here.
As we enter this significant season, make sure your voice is heard, and let’s make a difference in the lives of those around us. Your vote is a a part of your voice—let’s make it count!
At ABC Realty Twin Cities, we believe urban development is more than just building structures—it’s about creating opportunities, fostering community, and shaping the future of our cities. In episode 3 of the ABC Realty Twin Cities latest podcast episode, our host Seanne Thomas welcomes Jim Erchul, Executive Director of Dayton’s Bluff Neighborhood Housing Services (DBNHS), are Tackling Urban Development Issues with Dayton’s Bluff Neighborhood Housing Services. They are discussing the realities and opportunities in affordable housing development on St. Paul’s East Side. You can watch the full visual here on YouTube, as well as listen during your commute on Spotify.
Exploring Market Needs and Industry Challenges
Seanne and Jim dive into the current landscape of affordable housing, highlighting both the increasing demand and the barriers developers face. They discuss the growth of the nonprofit housing sector and its role in addressing affordable housing needs. This sector, Jim explains, plays a crucial part in providing accessible housing options for low- and middle-income residents, while offering innovative solutions to tackle challenges like rising costs and limited land availability.
Addressing Vacant Properties and Soil Contamination
One of the key issues in St. Paul’s housing market is the prevalence of vacant properties and the complexities of soil contamination. Jim shares insights on how these environmental factors complicate the development process but also open doors for partnerships with national groups working on urban redevelopment. By reviving these spaces, affordable housing projects like those spearheaded by DBNHS can help transform underutilized areas into vibrant communities.
Spotlight on the Village on Rivoli Project
Jim also provides an exciting update on the Village on Rivoli project. This development has become a focal point for affordable housing on St. Paul’s East Side, exemplifying community-focused urban redevelopment. The project is making significant strides, and Jim teases the potential for future expansion, which could further benefit local residents and support the neighborhood’s growth.
For more details and resources from this episode, be sure to check out the links below:
Stay tuned for more engaging conversations on urban development and affordable housing, as we continue to highlight the individuals and organizations making a difference in the Twin Cities. Listen in, and join us on the journey to a better, more inclusive future for our communities.
As we celebrate Black Business Month this August, ABC Realty Twin Cities had the privilege of connecting with Seanne Thomas, a trailblazing realtor and community advocate, to discuss her journey and involvement in uplifting Black businesses on St. Paul’s East Side. This month’s blog highlights our insightful conversation with Seanne, her role in the East Side Black Business Network, and the exciting projects shaping the local community.
How did you get connected to the East Side Black Business Network?
“The East Side Neighborhood Development Corporation (ESNDC), which is our local community development corporation, got funding from Rooted Philanthropic, formerly known as Runyon Family Foundation. Rooted Philanthropic is an old Eastside family that made their money in owning franchise gyms, one of the earlier franchise gyms. The philanthropy they are focused on is that of the east side of St Paul. They gave ESNDC a grant to organize and get behind the Black businesses here on the east side, and that work culminated in forming the East Side Black Business Network.”
How do you think that being a part of the East Side Black Business Network has impacted your business, network, and circle?
“It has certainly grown my circle by meeting other business owners, like, did you know the car lot there on Minnehaha between Payne and Arcade, where the brewery campuses are, that’s a Black-owned business right behind the police station by Kurt Cargill. He and I have learned about other Black businesses here on the east side that I didn’t know existed. And there’s a lot of spirited Black entrepreneurship here on the east side. I spent four years on the board of PABA, the Payne Avenue Business Association. I always thought we should have a Black Chamber of Commerce here on the east side, but PABA is the closest thing to a chamber of commerce, but they have no interest in morphing into a chamber of commerce. You also have the Midway Chamber of Commerce, you have the downtown Chamber of Commerce, you have a Black Chamber of Commerce, but none of that is reflected and represented here on the east side. The closest we come to it is PABA. We have WBABA, the White Bear Avenue Business Association. Essentially, these are all just corridors of representation of businesses.”
What is the importance of a Chamber of Commerce?
“A Chamber of Commerce is a nonprofit organization that is completely and holistically focused on supporting and building a thriving business community in a geographic area. You know, it’s either geographically focused or culturally focused, like the Black Chamber of Commerce. Or here there’s the East Side there’s a Hmong Chamber of Commerce.”
Can you kind of explain your role there?
“I’m on the leadership team doing hands-on work with creating events, facilitating bringing education and resources into the East Side Black business community. I also work alongside our lead facilitator, Kamari, doing the outreach to get those businesses to the table to the knowledge and the resources.”
Transitioning into your own business, what challenges might you have faced as a Black realtor working with majority marginalized communities, and what has that meant for you?
“When I came into this business 23 years ago, I didn’t really have an idea of who I wanted to serve, but I quickly, because I was a young mother. My oldest, Ismail, five years old. Jaleel was three, and I had just had Malik (my youngest). Because I was immersed in motherhood, I naturally gravitated to women and children, and that became my focus in helping that population find and have stable housing, which kind of lent itself to the first-time homebuyer programs. And I love championing the first-time homebuyer. It’s very gratifying. It’s not just a transaction, it’s very emotional and filled with gratitude and joy.”
What can you tell about the first-time homebuyer program, and how people can get connected?
“There are several first-time homebuyer resources in the marketplace. The biggest one is Minnesota Housing Finance Agency, MHFA. They are the state-level program, and they have a cache of products that will assist first-time homebuyers with down payment assistance and closing cost assistance.
Then there are buckets of money that the cities and the counties will get until they run out, right, that you could layer on top of that MHFA money. So maybe Ramsey County has another, you know, $10,000 down payment assistance program if you’re buying in Ramsey County. And so you can layer that on top of the MHFA down payment and closing costs assistance until they run out.
It’s important that if you are a first-time homebuyer and you need help with down payment and closing cost assistance that you are working with a realtor that is knowledgeable in the first-time homebuyer marketplace because they’re going to be aligned with those lenders that are knowledgeable. Then there are several nonprofits that have funding for specific communities.
Then there are other players too, like the land trusts and Habitat for Humanity. To me, these are all tools that I wear on my tool belt.”
Can you share a story where a networking opportunity helped you with a real estate connection with a family in need of a home?
“Many moons ago, we were at Phalen Rec Center while my husband and I were coaching the youth soccer team. We had three boys, and I met a parent on the field, and he asked me if I’d ever heard of ESNDC, Eastside Neighborhood Development Corporation. He’s like, ‘It’s our Neighborhood Development Corporation. They do business development, community development, housing, and you should check it out.’ My years serving on that board connected me with Jim Erchel of Dayton’s Bluff Neighborhood Housing Services, and he is to date my biggest client. He also helped finish other housing projects.”
How do you find the balance between community and business connections?
“I guard my time with my life. I have been in life where I was out of balance and working too much or overextended. Too many volunteer activities or just being inundated with raising my family. I had to learn, at a time, to never be actively working with more than three buyers at a time. I know the kind of energy and time it takes to work with a buyer and what I can give to buyers.
I am committed to starting each day with one to two hours in meditation. I am committed to exercising four to five days a week. Yesterday, I biked into the office. I have my weight training class, you know? I know those are the things that are important to me and that keep me alert, refreshed, and healthy. I grow my own vegetables last summer, so I like to have time with that.”
Any upcoming projects or initiatives you’re excited to share with people?
“Absolutely. We have new build projects coming to market. Two of them are on the Revoli project with Dayton’s Bluff Neighborhood Housing Services. They have cool, contemporary constructed homes, designed by David Cellella, the internationally acclaimed architect from Duluth, Minnesota. Those should be ready for market in the next couple of weeks.
I have the accessory dwelling unit demo site that will be ready for market, probably by mid to late September. This is super exciting because it relates to the work that I do on the planning commission. On the planning commission last year, we changed the zoning to make it easier to build more density in the city because the zoning was ancient. Those old zoning laws don’t work for the projected growth that we’re experiencing and will continue to have as outlined in the 200 comprehensive plan.
The accessory dwelling unit demo sites have two new construction homes. A large three-bedroom, two-bath basement that has nine-foot ceilings and an egress window. Full plumbing so that the owner can easily finish out that basement space (recreation room, extra bedroom, a family room, etc.). And then attached to that is a studio apartment that has its own lawn and in-unit laundry. We did put a door in between the home and the studio apartment in case a person wants to move a family member into the studio apartment or you could run your business out of the studio apartment.”
Thank you Seanne for your contribution to the community!
Stay tuned for updates on future projects and initiatives from the East Side Black Business Network and ABC Realty Twin Cities. Together, we can continue to champion community and business development, ensuring a thriving and inclusive East Side for all.
In recent years, the conversation around real estate has increasingly highlighted the need for equity and justice, especially in the realm of homeownership. One model gaining significant attention for its potential to address these issues is the Community Land Trust (CLT) Model. In addition to this being a model, it is also a movement which has transformed generations of people. It not only transforms the dynamics of property ownership but also offers a powerful tool for community empowerment and economic stability.
What is a Community Land Trust?
A Community Land Trust is a nonprofit organization that acquires and holds land for the benefit of the community. Unlike traditional land ownership, where the land and buildings are owned together, CLTs separate the ownership of the land from the ownership of the buildings on it. This separation allows CLTs to ensure that land remains affordable and accessible to low- and moderate-income families, protecting them from the volatility of the housing market.
Historical Context: Land as Power
The concept of land holding power—both economic and political—is deeply rooted in history. The recent discussion on ABC Realty Twin Cities sheds light on this, tracing the origins of the land trust movement back to the struggles of sharecroppers in the early 20th century. Displaced from their land, these individuals sought to reclaim control and rights over their homes and futures. The Sherard’s developed models that provided communities with the means to control land and own their economic and political power.
The Community Land Trust Movement in Action
As highlighted on with Minnesota’s Rondo Community Land Trust, the CLT model is designed to foster both stability and empowerment within communities. The Rondo CLT’s mission brings to light the importance of this model: To acquire, develop, and steward land for the long-term benefit of our community. We strive to create and maintain a just and equitable community where everyone has access to affordable housing and the opportunity to thrive.
Here’s how Community Land Trusts achieve their goals:
1. Affordability and Accessibility: By decoupling land ownership from property ownership, CLTs keep housing affordable. This approach prevents price spikes and ensures that homes remain within reach for those who need them most.
2. Community Control and Governance: CLTs are governed by the community members themselves. This participatory model empowers residents to make decisions about land use and development, fostering a strong sense of ownership and responsibility.
3. Long-Term Stability: The CLT model offers resilience against market unpredictability. By holding land in trust, CLTs protect communities from displacement and ensure that neighborhoods remain vibrant over time.
4. Economic Opportunity: CLTs can stimulate local economic development by leveraging land for community-centric projects. This includes creating space for local businesses, schools, and other services that enhance quality of life.
Discover More: Recent Podcast on Community Land Trusts
To delve deeper into the impact and potential of Community Land Trusts, we encourage you to listen to our most recent podcast episode. In this engaging discussion, Mikeya Griffen, Executive Director of the Rondo Community Land Trust, and Damon Mason, Executive Director of Housing and Community Engagement, share their insights and experiences. Their expertise sheds light on how CLTs are transforming communities and addressing housing inequities.
Join Us at the Rondo Community Land Trust’s First Annual Gala!
To support and celebrate the impact of Community Land Trusts, join in at the Rondo Community Land Trust’s First Annual Gala this November. It’s a great opportunity to learn more about CLTs, connect with community leaders, and contribute to a cause that promotes equity and justice in housing. For more details and to get your tickets, visit Rondo CLT Gala.
Connect with Us
For more information about Community Land Trusts and how they can benefit your community, or to explore opportunities to get involved, visit the ABC Realty Twin Cities website or reach out to the Rondo Community Land Trust.
A special thank you to our guest speakers, Mikeya Griffen and Damon Mason, for their invaluable contributions and thought-provoking perspectives. Their work is instrumental in advancing the mission of equity and justice in housing.
Together, let’s pave the way for a future where land ownership is a powerful tool for community well-being and justice.
Welcome to the latest venture from ABC Realty Twin Cities! This June (also known as National Home Ownership Month), we’re thrilled to announce the launch of our brand-new podcast, Season 1: Housing Justice with Seanne Thomas. This podcast aims to delve deep into crucial conversations surrounding housing equity, community impact, and the future of real estate in our beloved Twin Cities. You can catch the full episode here!
What’s It All About?
Hosted by the insightful Seanne Thomas, listeners can expect an engaging range of topics that matter. From addressing housing disparities to highlighting innovative solutions, each episode offers a blend of expert insights, personal stories, and thought-provoking discussions. New episodes will be droppping monthly.
Meet the Guests: Episode 1
In our first episode, Seanne Thomas sits down with two incredible guests who are leading voices in the field:
They’re breaking down conversations such as affordable housing challenges, MN opportunities to receive funds as first-time homebuyers, the role of financial institutions in community development, and initiatives driving housing justice in Minnesota.
Where to Tune In
You can catch the ABC Realty Podcast Season 1: Housing Justice with Seanne Thomas on both YouTube and Spotify. Whether you prefer video or audio, we got you covered! Be sure to like, comment, and subscribe to stay updated on new episodes and join the conversation on social media.
Join the Conversation
We invite you to join us on this journey of discovery and advocacy. Your voice matters in shaping the dialogue around housing justice in our community. Share your thoughts, questions, and stories with us by commenting.
Stay Connected
For updates, follow ABC Realty Twin Cities on Facebook, YouTube, and add Seanne Thomas on LinkedIn. Together, we can make a difference in our neighborhoods and beyond. Happy Listening.
“Know yourself, know what you are and are not willing to do… and it will become your perfect home,” says Ian, a young homebuyer here in the Twin Cities. If you don’t know, Ian is a part of a close-knit group of friends that moved to Minnesota from Georgia in 2019 based off of a dart throw! They all were navigating the exciting path of homeownership together- check out Elliot and Marcus’ stories on our blog. For many, the journey to finding their dream home is often filled with unexpected twists and turns.
Ian, ABC Realty Home Owner
Picture this: a casual drive through a neighborhood during your homeownership search. You have intentions of seeing one home, but you stumble upon an open house sign. Your curiosity piques, you decide to step inside, not knowing that this would be the beginning of his own homeownership story. That’s what happened to a young homebuyer, Ian! You can read more about Ian’s story below:
Can you tell us about what it was like buying your first home?
Let’s see… I started the process in January or February, and then I closed on the house in late April. I looked at about 15 different houses, somewhere in that ballpark. It was a stressful process, you know, there’s a lot to do in a certain amount of time. [Like] getting qualified for a loan, and then actually looking at the houses. The biggest issue for me was not knowing the final amount. I wouldn’t know until a couple of days before actually closing and I found that to be stressful because for bigger purchases, I like to plan those out ahead of time. Only knowing with a couple days’ notice on what the amount I needed to bring to closing was stressful.
Was the closing number surprising to you or was it in the range you were originally expecting? Did you feel like you had support throughout your home buying process?
It was in the general ballpark of what I expected because I know the majority of what I owed which was 20% down. Just sort of those hidden fees were additional, which Seanne [Thomas, his realtor] did mention.
I definitely talked to my mother. Elliot actually came out and looked at the houses with me. I enjoyed having Elliot there with me because Elliot had just finished going through the process, so they knew a little more about what to look out for. They helped me in case I might’ve missed a few things- like the leveling of the floor, if they were slopped, or just being more detail oriented and technical.
How did you end up making the decision on your home?
During the first set of houses I looked at, I found one I really liked and put an offer in. I had a home inspector come out, and she reported the possibility of structural damage due to a pipe having burst since it sat unoccupied for so long. I backed out of that one.
Then, I found another house I liked. The inspector reported some sort of structural damage. I decided to have a structural engineer come out and look at the property. When they got back to me, they told me it would be $17,000 in structural repairs and I was not willing to pay that even with the counter offers. The seller was willing to offset that but it was [still] too much, so we actually found this house completely by accident. We were looking at a house that was on a Larpenteur and we just happened to see it as we were passing. We saw an open house sign and we just decided, since it was within walking distance, to just go ahead and look at the house. That’s kind of how we found it.
So just by chance, you ended up finding your home?
Yup.
How does it feel to have officially closed this past April?
It’s been fairly expensive getting the house settled, but it’s been worth it. There are some repairs I still need to make, but one of the things that surprised me was the air conditioning system was older. When the specialist came out to service it, it turned out it was almost ancient and it was somewhere from the mid 60s, late 70s. He was surprised it was still working. And the heater turned out to be even older! We ended up replacing them and I got a discount.
Do you have any tips for finding specialists to come look at your home (ie structural engineer, inspectors, etc)?
I used the same home inspector that Elliot used. Seanne [Thomas, his realtor] also gave me a few recommendations. You just have to find confirmation from multiple sources. Most things have been from word of mouth
Which room is your favorite that you’re most looking forward to?
Probably the master bathroom. It’s really nice, it’s got this big beautiful walk-in shower. There’s a built in area where you can sit if you need to. It’s really nice because I can enjoy a nice, hot, steamy shower
Any advice for first-time, young homebuyers?
Try to follow a logical process throughout. Know yourself, know what you are and are not willing to do. Structural repairs, water damage, etc. Know what you’re not going to want to deal with. Let it sink in, and based on who you are, it will become your perfect home.
———-
For our young buyer, stumbling upon his future home during that open house was more than chance—it was destiny aligning with opportunity. Whether you’re driving by an open house on a whim or meticulously planning each step, the journey to homeownership is uniquely yours. At ABC Realty Twin Cities, we’re here to celebrate your story and help you find that perfect place to call home.
At ABC Realty Twin Cities, we understand the importance of these serendipitous moments. Our experienced agents are dedicated to guiding young buyers through every step of the home buying process, ensuring you feel confident and informed. From exploring financing options, to negotiating the best deal, we are here to support your dreams and desires of homeownership.
If you are ready to embark on your own journey to homeownership, or even if you want to know about the process, contact ABC Realty Twin Cities today and let us help you turn your dreams into reality. Join a community of homeowners who celebrate the joys of finding home together.
651-348-7845
sthomas@abcrealtytwincities.com
St. Paul, Minnesota holds a rich historic legacy that is powerfully known as the Rondo Neighborhood. Established by Joseph Rondeau in the 19th century, Rondo was a vibrant neighborhood that thrived as a hub for African-American residents, growing to a population of 85% in the 1950s. However, this once-thriving community faced significant challenges due to urban development projects that led to its destruction, including the construction of Interstate I-94.
Interstate I-94 facing downtown St. Paul
The impact of the highway project, like many urban development initiatives of the time, disproportionately affected marginalized communities, leading to the displacement of thousands of residents and the destruction of homes and businesses. The scars of this traumatic event are still visible today, underscoring the need for ongoing efforts to address historical injustices and promote equitable development.
In December 2023, the St. Paul City Council voted to officially rename a long section of Concordia Avenue, from Griggs Street to Mackubin Street, “Rondo Avenue.” In February 2024, the St. Paul City Council voted to restore St. Anthony Avenue to “Rondo Avenue,” from Western Ave to Rice Street. The street was renamed Concordia Avenue in 1964, and sixty years later, Rondo Avenue was renewed. On April 30th, 2024, there was an official ceremony to reclaim Rondo Avenue. Many were present to celebrate, restoring the avenue to its original name, including St. Paul Mayor Melvin Carter.
The history of Rondo serves as a poignant reminder of the importance of preserving community, resources, and housing. As we look back on the legacy of Rondo, we are reminded of the resilience and strength of its residents in the face of adversity. The story of Rondo is a testament to the power of community and the importance of preserving our cultural heritage.
At ABC Realty Twin Cities, we are committed to continuing the important work of restoring community, resources, and housing in Saint Paul and beyond. Through partnerships with organizations like Rondo Community Land Trust, we are dedicated to creating affordable housing options and revitalizing communities that have been historically marginalized.
By honoring the history of Rondo and recognizing its connection to important housing work, we are taking a step towards building a more equitable future for community members. Join us in our mission to restore community, resources, and housing – together, we can create a brighter tomorrow for generations to come. Be sure to take advantage of local resources such as the Rondo Community Land Trust’s Right to Return Initiative, the HomeBuyer Initiated Program, and the Inheritance Fund. More information can be found here, or contact ABC Realty via email (sthomas@abcrealtytwincities.com) or phone (651-348-7845) on how to become a Rondo Resident in the historic Rondo neighborhood.
As we delve deeper into the history of Rondo, we uncover a community that was not only a residential area but also a cultural and economic center for African Americans in Saint Paul. The vibrant neighborhood was home to businesses, churches, and social institutions that played a crucial role in shaping the identity of the community. Despite facing systemic challenges and discrimination, the residents of Rondo persevered and built a close-knit community that thrived on mutual support and solidarity. Check out some current Rondo local businesses like 2 Scoops Ice Cream Eatery on a hot summer day, a block party with Taste of Rondo Bar & Grill, or a smooth cup of coffee at Golden Thyme Cafe on Selby.
During the Month of March, Women’s History Month, ABC Realty is excited to highlight the importance of supporting women-owned local businesses. By empowering and investing in these businesses, we not only contribute to the growth of our economy but also foster a sense of community and inclusivity. Please check out below theseTwin Cities Women-owned/operated businesses.
Wonder Woman Construction is a trailblazing company led by a visionary female entrepreneur. Their dedication to quality craftsmanship and cutting-edge design has set them apart in the construction industry. By choosing Wonder Woman Construction, you are not only investing in superior services but also supporting gender diversity and empowerment in the workforce.
Start your day on a delightful note at Flava Coffee & Cafe, a charming coffee shop owned and operated by a passionate female entrepreneur. With a focus on community engagement and sustainability, Flava Coffee & Cafe offers a unique coffee experience that will awaken your senses. By patronizing this establishment, you are not just enjoying great coffee but also contributing to the advancement of women in the coffee industry.
For those seeking eco-friendly alternatives, The Tare Market is a haven of sustainable products founded by a dedicated female entrepreneur. Their commitment to zero waste and environmental stewardship is commendable. By shopping at The Tare Market, you are making a positive impact on the planet while supporting a woman-owned business that is leading the way in sustainability.
Bouquets by Carolyn is a floral design studio that captures the beauty of nature in stunning arrangements. Owned and operated by a talented Black woman entrepreneur, this business brings joy and elegance to special occasions. By choosing Bouquets by Carolyn, you are supporting local artistry and celebrating the creativity of women in the floral industry.
Love Kobi Co is a lifestyle brand that embodies elegance and sophistication, founded by a visionary female entrepreneur. Their curated collection of timeless pieces reflects a commitment to quality and style. By choosing Love Kobi Co, you are supporting women in the fashion industry and embracing a brand that celebrates individuality and empowerment.
As a woman-owned business ourselves, we are excited to support other locally run businesses. This way we can build a more inclusive, vibrant community of creative entrepreneurs. By actively seeking out and patronizing these businesses, we can create a more equitable economy, promote diversity and innovation, and strengthen the visibility of creative entrepreneurs. Let’s continue to uplift and celebrate the contributions of women entrepreneurs, and inspire future generations.
“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.”
Elliot, ABC Realty Home Owner
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, ABC Realty Home Owner
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.
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.
