Fasten Your Seatbelts: My Experience on Portland’s Fair Housing Bus Tour

I recently joined the Fair Housing Bus Tour Portland, hosted by the Fair Housing Council of Oregon. This powerful tour explores Portland’s history of housing discrimination and the communities that fought for fairness and inclusion.

Portland’s hidden housing history—stories about exclusion, resilience, and progress.

It was more than an educational experience. It was emotional. I left with a deeper understanding of how Oregon’s past still shapes our neighborhoods today.

Beginning at the Dr. Martin Luther King Jr. Statue 🏛️

Our first stop on the Fair Housing Bus Tour Portland was the Dr. Martin Luther King Jr. statue outside the Oregon Convention Center. The monument depicts three figures: Dr. King, an immigrant worker, and a child. Together, they represent courage, unity, and the hope for equality.

Standing before the statue, I thought about the people who came to Oregon searching for opportunity. Many immigrants, workers, and families were met with laws that excluded them instead of welcoming them. Early Oregonians argued that housing was a “personal transaction” and that government shouldn’t interfere. Sadly, that belief created space for systemic housing discrimination that lasted generations.

From Albina to Montavilla: A City Divided 🏙️

Next, the Fair Housing Bus Tour Portland visited neighborhoods that were once separate towns — Albina, Montavilla, and others. Each area has a story of growth, loss, and resilience.

Albina once served as the heart of Portland’s Black community. Williams Avenue buzzed with Black-owned businesses, music venues, and cultural pride. By the 1990s, Albina’s population was about 75% Black. By 2020, it had dropped to 25%. Many families were pushed east to Gresham and East Portland, where sidewalks, grocery stores, and public services remain scarce.

Portland’s transformation tells a difficult truth. It’s now considered one of the most gentrified cities in the nation. Understanding how that happened is crucial if we want to build a more inclusive city.

The Bigger Picture: Land, Power, and Policy 🌎

The Fair Housing Bus Tour Portland also explained how government policy shaped who could own land. The Donation Land Act of 1850 gave white settlers millions of acres of Native land. Later, the Dawes Severalty Act of 1887forced Native families into individual ownership, which led to widespread land loss.

Even in the 1900s, injustice continued. Between the 1930s and 1960s, less than 2% of FHA loans went to nonwhite families. These policies prevented homeownership for thousands and deepened racial wealth gaps that still exist today.

The Golden West Hotel: A Symbol of Community and Pride 🏨

Another memorable stop on the Fair Housing Bus Tour Portland was the Golden West Hotel, once the largest Black-owned hotel on the West Coast. Located near Union Station, it gave Black travelers a safe place to stay during segregation.

The building still stands today, owned by Central City Concern, but its legacy runs deeper. Nearby stood Mount Olivet Baptist Church, which the Ku Klux Klan pushed to move out of downtown. These stories revealed how racism wasn’t only social — it was systemic and deliberate.

Hard Truths and Lessons Learned ⚖️

The tour continued to uncover painful chapters of history. At the Portland Expo Center, we learned it was once used as a Japanese American assembly center during World War II. Families, two-thirds of whom were U.S. citizens, were held there before being sent to internment camps.

We also discussed Portland’s Red Squad, a police unit that targeted activists, and the Silver Shirts, a local hate group modeled after Nazi Germany’s brownshirts. These facts were hard to hear but necessary to confront.

Hearing these stories, I was reminded of one quote from our guide:

“Every accusation is a confession.”
It spoke to the hypocrisy of discrimination — how fear often projects itself outward, targeting others to mask its own insecurity.

Connecting the Past to the Present 🌾

The Fair Housing Bus Tour Portland also highlighted how inequity reached beyond the city. During the 1970s, small family farms collapsed as big agriculture took over. Whether in rural or urban Oregon, communities with less power lost the most.

Writer William Faulkner once said, “The past isn’t even past.” After this tour, that quote felt more real than ever. Portland’s history lives in its streets, its housing, and its policies.

Why You Should Take This Tour ✊

This tour changed how I see my city. It connected history, policy, and humanity in a way that reading alone cannot. Whether you’re a local resident, a student, a business owner, or part of a community organization, this experience is worth taking.

Go as an individual or bring your company, team, or group. The conversations that follow will inspire awareness, empathy, and change.

Final Reflection

The Fair Housing Bus Tour Portland isn’t just about the past — it’s about our responsibility now. Learning these stories helps us understand why equity and fair housing matter today.

If you live in Oregon, I encourage you to take the tour. It will challenge you, inform you, and move you to think differently about what “home” truly means.

Contact me today! To read more about my expertise in East Portland check out my blog

Navigating Your Home Purchase: Who’s Who in a Real Estate Deal

Understanding the Key Players in Your Home Buying Journey

Buying a home involves several key players, each with a unique role. In this blog post, I’ll walk you through the major roles in a real estate transaction, what they do, and how they help ensure a smooth process. Whether you’re a first-time buyer or an experienced investor, understanding these roles will give you the confidence to navigate your home buying journey.

The Real Estate Agent: Your Project Manager

First and foremost is your real estate agent. Think of your agent as the project manager of your home buying process. Their job is to guide you from start to finish. Here’s what you can expect from your real estate agent:

  • Scheduling Tours: Arranging viewings for properties you’re interested in.
  • Determining Comps and Offer Strategy: Helping you understand the market value and craft a competitive offer.
  • Negotiating Deals: Working to get you the best terms possible.
  • Scheduling Inspections: Coordinating necessary inspections to ensure the property is in good condition.
  • Connecting with Contractors: Providing referrals for any needed repairs or renovations.
  • Resource Direction: Guiding you to tax or legal professionals as needed.

The Lender: Securing Your Mortgage

Next is the lender, who plays a crucial role in securing the financing for your home. They will:

  • Pre-Approval Process: Help determine how much you can borrow and identify suitable loan programs.
  • Document Collection: Request necessary documents to process your loan application.
  • Loan Processing: Guide you through the steps to secure your mortgage, providing clarity on your financial obligations.

It’s essential to work with a lender who communicates effectively and who you can trust. Poor communication can jeopardize your transaction.

The Escrow Officer or Title Company: Ensuring Neutrality

The escrow officer or title company acts as a neutral third party in the transaction. Their responsibilities include:

  • Holding Earnest Money: Managing the deposit you make when your offer is accepted.
  • Facilitating the Closing: Ensuring all paperwork is completed and funds are distributed correctly.
  • Providing Title Insurance: Protecting you against any title disputes.

Home Inspectors: Assessing Property Condition

Home inspectors are like the primary care doctors for your new home. They meticulously examine the property to identify any potential issues. Key tasks include:

  • Detailed Inspections: Checking structural integrity, plumbing, electrical systems, and more.
  • Referrals to Specialists: Suggesting further inspections if they find potential problems.

The Appraiser: Determining Home Value

Appraisers assess the value of the home to ensure the lender is not over-lending. They are a neutral third party and you won’t have much direct contact with them. Their role is crucial for:

  • Valuation: Ensuring the home’s value justifies the loan amount.
  • Risk Mitigation: Protecting the lender from overextending credit.

The Insurance Agent: Securing Home Insurance

Home insurance is mandatory when buying a home. An insurance agent will:

  • Policy Selection: Help you choose the right insurance policy for your home.
  • Bundling Options: Provide options to bundle home insurance with other policies for discounts.

Other Key Players

Additional roles that may come into play include:

  • Transaction Coordinators: Assist with paperwork and ensure everything runs smoothly.
  • Home Warranty Providers: Offer warranties to cover potential mechanical issues.
  • Contractors: Provide estimates and complete any necessary repairs or upgrades.

Conclusion

Understanding the roles of these key players in a real estate transaction can help you navigate the process with confidence. If you have any questions about buying a home or need more personalized advice, feel free to reach out to me. Connect with me on YouTube, Instagram, or Facebook.

For a more detailed consultation or to get started on your home buying journey, schedule a free strategy session here. You can also access my Free Buyer’s Guide to help you through every step of the process here.

Top 5 Benefits of Owning a Home

🏡 Top 5 Benefits of Owning a Home + Future Real Estate Trends in Oregon & Washington

If you’ve ever considered buying a home, you’ve likely wondered whether it’s really worth it. The good news: homeownership offers many advantages that can make it one of the best long-term investments you’ll ever make. In regions like Oregon and Washington—known for their strong economies, natural beauty, and growing communities—the outlook for homeowners is especially positive. Let’s break down the top five benefits and look ahead at what the next 10 years may hold for this market.


✅ 1. Build Equity & Wealth Over Time

Every mortgage payment increases your ownership stake. Instead of paying rent to a landlord, you’re building equity—your share of the home’s value. Over time, homes tend to appreciate, which grows your wealth.

✅ 2. Predictable Monthly Costs

Fixed-rate mortgages offer consistent monthly payments. That means no more surprise rent increases. Predictability gives you control over your finances and long-term planning.

✅ 3. Tax Benefits

Homeowners may deduct mortgage interest and property taxes, reducing taxable income. This makes homeownership more affordable at tax time. (Always consult a tax professional.)

✅ 4. Personal Freedom

When you own, you can truly make your house a home. Remodel the kitchen, plant fruit trees, or create a home office. Ownership gives you the freedom to live how you want—without a landlord’s restrictions.

✅ 5. Stability & Community Roots

Buying often leads to long-term residence. That means deeper neighborhood ties, better school planning, and a stronger sense of belonging. In the Pacific Northwest, where community connection matters, this is a major benefit.


🔮 Future Trends in Oregon & Washington Housing Markets

🏙️ Price History & 10-Year Market Outlook in Oregon & Washington

📉 Past 10 Years (2014–2024)

Over the last decade, home prices in the Pacific Northwest have seen remarkable growth:

  • Portland, OR: From 2014 to 2019, Portland’s median home price surged by 45%, and by 2024, homes were consistently listing around $550,000. According to Zillow, the median price hovered around $391,000 in 2018 and has continued to climb.

  • Seattle, WA: Seattle saw explosive growth with prices rising over 100% between 2012 and 2022. The median home price exceeded $900,000 at its peak in mid-2022 before cooling slightly to about $765,000 in 2024.

  • Vancouver, WA: Vancouver has benefited from Portland metro growth while offering slightly more affordable homes. The median home price in 2014 was around $230,000. By 2024, that figure had more than doubled to about $500,000, according to Redfin.

🔮 Next 10 Years (2024–2034)

Looking forward, market predictions point to continued—though slower—growth across the region:

  • Portland, OR: Realtor.com projects Portland could become a “million-dollar market” by 2033, with median prices reaching over $1,051,000. This is based on its historic 2014–2019 growth trajectory.

  • Seattle, WA: While Seattle has seen a short-term dip, Zillow forecasts a modest 1.5% increase over the next year. Long-term, steady tech sector growth and urban demand will likely keep Seattle among the nation’s top-valued markets.

  • Vancouver, WA: Growth here is expected to continue as Portland buyers seek affordability across the Columbia River. While specific 10-year projections are less publicized, the city’s strategic location, new development, and strong school districts suggest values will rise steadily.

Nationally, Fannie Mae predicts home prices will grow by about 3.8% in 2025, easing to 3.6% in 2026, with the West Coast expected to see slightly below-average appreciation due to already high price baselines.

🛠️ Policy & Development

Both states have introduced zoning reforms to fight housing shortages. Oregon now allows more multi-unit buildings in formerly single-family zones. Portland’s Residential Infill Project enables up to four units per lot, helping add “missing middle” housing.

These changes are expected to boost supply over the next decade, gradually easing pressure on buyers.


🌲 Why the Pacific Northwest is a Smart Buy

Oregon and Washington continue to attract new residents thanks to:

  • Expanding job markets in tech, healthcare, and green energy

  • Outdoor access to forests, coastline, and national parks

  • Top-rated schools and universities

  • Strong local food, art, and innovation cultures

These regional strengths support long-term property value, especially in high-demand areas like the Portland metro, Vancouver, Bend, Seattle, and Spokane.


📈 What to Expect in the Next 10 Years

Experts predict moderate appreciation, increased construction, and more accessible homeownership thanks to local and state housing policy changes. While the market may cool slightly in the short term, long-term trends remain positive—especially in desirable, high-growth areas.


🗝️ Final Thoughts

Buying a home is about more than just square footage—it’s about stability, freedom, and investing in your future. And in Oregon and Washington, that investment is looking strong. Whether you’re a first-time buyer or planning a move, the time to explore your options is now.

Want help creating a custom buying or selling strategy in this changing market?
Let’s connect! 

https://www.livingroomre.com/agents/jessicaward/

Jessica Ward Knows Outer NE Portland

Jessica Ward Knows Outer NE Portland

Looking for a real estate agent in Outer NE Portland? Look no further! My name is Jessica Ward, and I’m proud to serve the neighborhoods of Parkrose, Parkrose Heights, Argay Terrace, Maywood Park, Russell, Hazelwood, and Wilkes.

I’ve lived here for years and even attended Parkrose High School. I know every corner — from the quiet residential streets to the busy local spots. My deep roots and local expertise help me guide buyers and sellers through every step of the Outer NE Portland real estate market with confidence.

My First Transaction: Listing in Russell

One of my proudest moments was my first-ever listing in the Russell neighborhood.
With careful planning and strong marketing, that home went from active to pending in just 3 days!

That experience taught me how powerful preparation and communication can be. Since then, I’ve dedicated myself to giving every client the same high level of personal attention. There’s nothing quite like helping someone move forward in the community I call home.

Local Knowledge You Can Trust

Parkrose Pride
As a Parkrose High School alum, I share a special connection to this community. I know its people, its rhythm, and its character.

Insider Tips
Because I’ve lived in and around these neighborhoods, I can tell you more than just where the houses are. I can tell you where to:

  • Find the freshest produce at local farms like Rossi, Spade & Kindess farm

  • Enjoy a quiet beach day on the Columbia River

  • Take a quick hike in the Gorge and still be home for lunch

  • Score the best deals at Costco or transform your home with a trip to IKEA

Community Connections
Over the years, I’ve built lasting relationships with neighbors, small businesses, and local organizations. Staying involved helps me stay informed — about market trends, community events, and neighborhood growth.

The Homes of Outer NE Portland

Each neighborhood in Outer NE Portland has its own look, feel, and history.

Parkrose & Parkrose Heights
These areas grew rapidly in the 1950s–1970s. You’ll see many mid-century ranches, cozy bungalows, and tree-lined streets. Their easy freeway access and close proximity to the airport make them especially convenient for commuters.

Argay Terrace
Most homes here were built in the 1960s and 1970s. Expect larger lots, split-level homes, and distinctive Pacific Northwest architecture. Many homeowners take great pride in maintaining and updating their properties.

Maywood Park
Developed in the 1930s, Maywood Park is known for its mature trees and historic charm. This “city within a city” was incorporated to preserve its unique neighborhood character.
👉 Learn more at cityofmaywoodpark.com.

Russell
Russell offers a quiet, suburban atmosphere with ranch, split-level, and two-story homes built mainly in the late 1900s. Its peaceful streets and variety of home sizes make it great for families.

Hazelwood & Wilkes
These neighborhoods expanded in the 1950s and 1960s, with some newer builds mixed in. You’ll find an affordable mix of classic ranches and modern townhomes, perfect for first-time buyers and investors alike.

This blend of history, charm, and variety makes Outer NE Portland one of the city’s most appealing areas to call home.


Ready to Buy or Sell in Outer NE Portland?

If you’re ready to buy or sell in Outer NE Portland, I’d love to help.
My lived experience, market knowledge, and community connections give you a real advantage — whether you’re purchasing your first home, moving up, or downsizing.

Let’s talk about your goals, your timing, and how we can make it all work.
Let my first listing in Russell inspire your next real estate success story!

👉 Learn more about me at Living Room Realty


Want to get pre-qualified during the times of Covid-19..?

There are a few tips  I would like to leave current Portland, Oregon residents  who are ready to buy or sell their homes, during the times of Covid-19.

 

Best 7 Questions to ask your Lender :

  1. Are you a direct lender ?

      2. Are you a correspondent lender or broker?

     *Please note, in my opinion, direct lender is usually best.

      3. Are you a local lender?

      4. Is the loan going to be fully underwritten?

      5. What are the current interest rates and can I lock in my rate?

     6. If my parter is affected by COVID-19, could I still qualify?

     7. Be honest, disclose your current working / employment situation with lender. Ask if it is better for you to pre-qualify for the loan individually?

     **The lenders are the experts who will give you the most realistic feedback regarding your ability to pre-qualify.

This video is created by Steph Noble, an amazing local lender here in Portland.

There are some mind- shift changes occurring within the current Real Estate Market during the time of Covid-19.

See link below for the full Video from Steph Noble, Local Portland Lender, Guild Mortgage.

 

 

Stability of interest rates, April 2020

The Feds interest right now is to solely  stabilize the mortgage baked securities for interest rates.

The Feds will increase and decrease their buying based off what is needed to keep the interest rates stable.

Their commitment is to keep rates stable.

The buying of mortgage backed securities is so powerful right now , it is out impacting any other economic factors.

Typically, when we have good or bad economic news, there is an impact to interest rates, the Feds buying mortgage backed securities is out-weighting any of those other economic factories regarding interest rates.

–You may have heard that the Feds are pulling back on what they are buying ?

Even with them pulling back as needed, to keep rates stable,  currently, the feds are buying back double what is being produced.

 

If you have any more questions or comments please reach out to me or Steph Noble directly!

https://www.livingroomre.com/agents/meline-khachatourian/