When it comes to homeownership, many of us might be holding some preconceived notions as well as valid fears that it's just out of reach. From the unstable housing market to rising prices, to challenges with employment and other financial factors, it might seem that owning a home was something only our grandmothers or mothers could enjoy. But all hope is not lost.
In fact, research points to Black women being the leaders behind a boost in homeownership in the past few years, and even during the pandemic, we continued on our plight to leaving renting for ownership.
If you've had some doubts or don't know where to start, here's a quick guide for prepping to make your homeownership dreams a reality:
1. Get your mind right.
A 2022 Bank of America survey found that while 48% of Black women "feel confident about their finances," only 28% actually "feel empowered to take action" fueled by this confidence.
This first step is often overlooked, but oftentimes, when we're starting any new journey, especially one that involves a big change both physically (i.e. moving to a whole new environment) and financially, you'll need to set your mind on positive thoughts, confidence, and boldness. You have to know that you can indeed be a homeowner, that you deserve the desires of your heart, and that you are more than capable of navigating the process.
With high rates of student loan debt, rental income disparities, and a lot of the home responsibilities falling on us, among other challenges, it can indeed seem like a tough feat to go the homeownership route, but it is certainly doable with the right mindset, strategy, and support.
Lean into affirmations, prayer, therapy, coaching, and real-life inspiration to clear your mind of doubts and fears and use that energy to progress toward your dream home purchase. Open your mind to all the options, resources, and programs that are afforded to you and the alternative ways to reach your goals.
2. Get real about your finances.
Many experts agree on this second step, as you'll need to know where you are financially in order to be sure of what type of house you want, where you want to live, and whether you can afford the mortgage. Usually, this includes having (or creating) a budget and getting to know your expenses versus your take-home pay. If you don't already have a budget, create one and start to really get focused on knowing exactly what money's coming in and what's going out.
Also, getting into a savings routine and looking into investing, even if it's as simple as signing up for your 401K with your job, opening a retirement account on your own via companies like Fidelity or JP Morgan, or starting brokerage accounts with platforms like Charles Schwab or Robinhood. This will allow you to get into the habit of building wealth and having multiple sources to tap into in terms of financial assets.
3. Stop counting yourself out due to reasons like "bad credit" or low income.
If you need assistance with budgeting or learning more about money management, there are free resources out there (try here or here). You can also tap into local resources like nonprofits, financial advisers, or the professionals you bank with, especially if it's a credit union.
There are also resources for strategizing how to improve your credit, boost your income, and develop better financial fitness habits, so tap into those as well. You can do this! Sit down, write out your goals, work with a coach, and start one small step at a time.
Bad credit and other financial challenges don't necessarily bar you from achieving your dreams of owning a home. Look into rent-to-own options or financiers who offer home loans to people with credit under 620. There are also federal lenders that are ideal for those with low or no credit.
Go into your current bank and get to know your options so that you'll know what's actually available to you and what's possible beyond the fears or negative self-talk. Take a free class via the National Urban League or other local resources through a quick Google search. You'd be surprised what options are out there when you simply make a few appointments, do a bit of research, network, and ask.
4. Figure out your plan for your first payment and the right mortgage fit.
A down payment is often required (or at least encouraged) when you're buying a home, so once you've gotten clear on your financial status, what type of house you want, where, and how much you can afford based on your income, think about how you'll save up (or pay) the first payment for the investment.
Twenty percent of the total cost of the home has often been mentioned as a place to start, but experts say you don't necessarily have to have that much. However, be aware that when you put down less than that, you'll have to get mortgage insurance, and it will likely add to your monthly mortgage payment, so keep that in mind. There are assistance programs on the state and federal levels that can help you navigate this and even assist with the cost, especially if you're a first-time homebuyer. (Start here for more great information on this.)
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When it comes to your dream home and consideration of a mortgage, think outside the box. Your dream home might be a $500,000 ranch-style home in a major metro area but if that's going to have you living above your means or struggling to pay the down payment and monthly mortgage in tough times, considering an adjacent city or county in the same state or the same type of house in an area that's more up-and-coming.
There are also different types of mortgages that might be a good fit for you based on various factors. For example, conventional loans offer low minimum down payments but have more stringent qualifications, while FHA loans are mortgages backed by the Federal Housing Administration and are generally easier to qualify for but have stricter requirements related to mortgage insurance. (You can research more information on types of loans and how to qualify here and here.)
5. Start the pre-approval process and ask lots of questions before agreeing to a loan.
You'll also need to get pre-approved, so once you've found the right type of loan, do your research on who to partner with on your mortgage. Be sure, for example, that if you're going for an FHA loan, the loan provider is FHA-approved. According to NerdWallet, prospective home buyers should consider how a lender’s sample rates compare with today's mortgage rates, determine the closing costs, and "compare mortgage origination fees.” Become super-aware of the terms and timing for the loans and how these might change over time or in the future. Ask lots of questions or get help via a reputable consultant or coach.
Preapproval is necessary for getting the "real numbers," because lenders have access to detailed information about your finances. The process will include a hard credit inquiry, which shows up on your credit report, however, when you apply with multiple lenders around the same time, according to Bankrate, it only counts as one hard pull. This is because credit scoring models "take mortgage rate-shopping into account" and "group multiple inquiries together" if the credit checks all happen within a 45-day period. You'll need documents including W2s, pay stubs, and others (listed here.)
You can use the pre-approved lender at the end of the process, once you're ready to buy, or you can use a new one if, by the end of the process, you've found a better deal.
6. Research and vet your real estate agent before contracting with them.
Experts recommend interviewing multiple buyer's agents to be sure you're getting someone with your best interests at heart. Ask family, friends, and coworkers for referrals, look at the agent's online reviews, and be sure they're licensed in your state. Check out their Zillow or other professional profiles online and look at their track record. Ask them questions like "How long have you been in business," "How well do you know the area," and "How will you be corresponding with me, and how often?" (Here's a full list of interview questions for getting started.)
There’s a difference between a buyer’s agent, who represents a homebuyer in a real estate transaction, and a seller’s or listing agent, who is responsible for looking out for the seller, including pricing and marketing the home. Many agents do both, but some specialize in one or the other. Some states don’t allow dual agency, and it can there are some risks associated with that. There are referral agents who provide leads to other agents for a fee.
7. When shopping around, take your time and don't make hasty decisions.
Work with your real estate agent to view properties and think along the lines of making a long-term investment. You'll more than likely be living in the house for quite some time (even if you plan to sell and move on later) so you'll want to have some forethought on your why and how you'd like to live in the long term. Think about the community, how you'll live in the home, and what will best suit your long-term needs.
Real estate agents also recommend looking for red flags when viewing a home like poor tiling, evidence of leaks, or covering of flaws (such as "strong perfumes" or gaps in tile, for example). Be aware of potential issues like bodies of water nearby (possibility of flooding) or paint bubbling around windows (possible problems with ventilation). They also recommend looking past the aesthetics, lifting carpets, or asking about recent property maintenance.
While this guide is simply a snapshot to get you started, allow it to encourage you to go boldly for your dreams of homeownership with confidence and a plan. Be sure to utilize all resources afforded to you, do your research, and walk proudly into your next elevation to owning the home of your dreams.
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So, today? Today, we’re going to tackle how sex impacts us when it comes to our energy fields. What (mostly) inspired this is once reading a science-based article about how it is a fact and not a myth that just like plants can absorb energy from other plants, humans can do the same thing by being in the space of other human beings. And when you stop to really think about it, doesn’t that make all of the sense in the world?
Otherwise, there wouldn’t be terms out here like “peer pressure” and big grown folks wouldn’t be out here trying to look and act just like some of their favorite celebrities or IG influencers (and yet, on that point, I digress).
So, since energy impacts us in some pretty significant ways, let’s take a few moments to see how it goes down when it comes to copulation — just so that you’re (even more) aware of what you’re getting yourself into when you “do the do,” as far as your personal energy space is concerned.
Energy. Revisited.
GiphyOkay, so before we get all up in how energy is exchanged during sexual activity, what is energy as it relates to human beings, in general? Well, in some ways, it all depends on who you ask. For instance, the famed Greek philosopher Aristotle once said that energy is about having the capacity to do something. Some medical experts say that energy is all about how something impacts you on a mental or physical level.
For instance, negative energy tends to be very heavy and draining while positive energy can increase feel-good chemicals throughout your system which makes it easier for you to do things like be creative and problem-solve. Something else that I think is important to keep in mind as far as human energy goes is it’s impacted by a myriad of things including a person’s stress levels, how healthy a person is, what their life choices are (as far as how their decisions influence them) and even what their sleep patterns are like.
And if all of this is true, then something else that Aristotle once said about energy would be beyond accurate: “The energy of the mind is the essence of life.”
Energy is life. Whew, so if this is indeed the case, does this mean that when you choose to have sex with someone, you are sharing your life force — whatever state that may be — with someone as they are doing the same to/for/with you? YES.
What Does It Mean to Exchange Sexual Energy?
GiphySince I grew up in an entertainment industry household, I think that’s probably why I’ve ended up with some close friends who are in the industry as well. That said, I will never forget when I was talking to one of them one day about a particular artist. When I expressed how much sex appeal that she had, my (male) friend simply said, “Yeah, I’ve been in her presence a few times before. She has some really dark energy. I didn’t even hug her.”
Now from a scientific standpoint, dark energy is simply what causes the universe to accelerate in growth over a certain period of time; however, when a person is described to have dark energy, that usually means that they have an evil and/or negative and/or heavy and/or draining aura about them. And y’all, here’s what’s semi-wild about what he said: did you know that science backs that hugs do indeed transfer energy?
Yep, research reveals that a hug from someone can literally alter your brain and body chemistry — so you definitely need to be discerning about who you let up into your affection space. Straight up. And so, since a hug has the capacity to do that, how much more can SEX?
To further emphasize this, let’s begin with an article that I read on Healthline’s website entitled, “Do We Really Exchange Energy During Sex?” After checking it out, one of the main things that I appreciated was when a doctor who was interviewed for the piece said:
“Every sex act is an exchange of energy [because] every sexual act raises or lowers your energy level…Therefore, a sexual relationship isn’t a purely psychological or physiological, mechanical act…Rather, it’s an energetic action. When we have an intimate relationship with someone, the two energies merge.”
Okay, so according to science, when two people have sex, energies merge. Well, according to Scripture, when two people have sex, oneness transpires (Genesis 2:24-25). Let’s keep going.
There was once a Physician-scientist by the name of Wilhelm Reich (who actually died in prison, in part, because of his radical beliefs on sex and orgasms during his time), who once said that having a healthy sex life (which, to him, including orgasms and is what he referred to as “orgastic potency”) is what played a huge role in one’s emotional health and well-being. That’s because, to him, without the release of sexual energy, neurological disorders would be come to be.
My takeaway from this is when you think about the fact that things like serotonin, dopamine, and the “the bonding chemical” oxytocin are all released during sex (and most certainly during orgasms), and also since sex (and orgasms) reduce stress — you need to tend to your sexual energy for the sake of your holistic health. Let’s continue on.
After reading an article on sexual energy on Cosmo’s website in which one of the sex therapists said that “our sexuality is our power" and then reading an article on the same topic on Well + Good’s platform where another expert stated that, “Many belief systems believe sexual energy is an expression of the soul's connection to the cosmos and the rest of the universe”, I thought about the word “power” and then “soul connection.”
At the end of the day, power isn’t just ability but the capability to influence and even take authority over something or someone. And a soul connection? Several years ago, when I penned a piece for the platform entitled, “I’ve Got Some Ways For You To Start Pampering Your Soul,” one of the things that I made sure to emphasize is your soul IS also your life. This means that soul connections are life connections.
And so, it would appear that sharing sexual energy also means that you are making a life connection with someone. And that type of connection has the power to influence you in ways that you couldn’t even begin to imagine. That is how deep exchanging sexual energy is.
What You Should Always Keep in Mind Before Sharing Sexual Energy with Someone Else
GiphyNow are there degrees to this whole sexual energy thing? Of course. The type of connection that a husband and wife of 20 years can make via sex is very different than a one-night stand. However, it would appear that science believes that it doesn’t really matter what you tell yourself about sex with someone (or even how many condoms you may use during sex) — potent energy is exchanged regardless.
That’s a huge part of the reason why I will forever roll my eyes about how ridiculous “casual sex” sounds to me, because, although I do believe that it is very possible to engage in coitus that has no real purpose (casual is purposeless, by definition), what isn’t possible is for there not to be a significant connection made from a scientific standpoint. Because again, if a mere hug can alter you (shoot, a handshake too), do you really think that allowing a man’s penis into the sacred space known as your vagina will not? After reading all of this…do you really?
When it comes to energy, author T. Harv Eker once said, “Energy is contagious: either you affect people or you infect people.” With all that was just shared about sexual energy, each and every person you choose to “engage” with, they are either going to affect you or infect you — just with their energy alone.
Knowing this, if there was ever a time to choose wisely, this would be it.
Your energy is your power. Who you exchange power with? CHOOSE WISELY.
EVERY. SINGLE. PERSON.
And because energy can shift…be cognizant of what you’re doing…EVERY. SINGLE. TIME.
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Featured image by Giphy