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Considering Downsizing? Help is Here!

by Jane Fischer and Associates

In today’s blog post, we are going to discuss downsizing. Although you love your current Mason City IA home, it no longer fits your lifestyle needs. Whether all your children have moved out, you recently retired, or want to live a more sustainable lifestyle, there are multiple reasons why homeowners choose to downsize. You may be moving into a smaller space but there are large considerations that need to be had when you start thinking about this move.

 

Downsizing your North Iowa Home

Questions to Ask Yourself When Considering Downsizing


1. Does size matter? What will I miss about a larger home?

We often equate size with status...after all "bigger is better". Consider how much this matters to you and whether you can readjust this conventional thinking based on your new needs. Also consider what you like about your current home. Weigh out the features and amenities you enjoy about your current home with the benefits of owning a smaller home (i.e. less time spent cleaning).


2. How will a smaller home affect other life events?

Life can be unpredictable. Although your children might have moved out, you never know what circurmstances might arise that could cause them to need a place to stay for a while. Consider whether a smaller home can fit any potential situations that might occur now and into the future. Your new, small home should fit all of your emotional, financial, and physical needs.

 

3. What will the cost be for me?

Logically, a smaller home will cost you less than a larger one. However, you should consider the costs related to downsizing. Fewer rooms means less space for your stuff. There will be some costs accured for replacing furniture, since downsizing your home means also downsizing your furniture. Also, consider whether there are costs to getting rid of items and possessions that won't fit in the new space. Finally, make sure that the price you get for selling your current home will help cover the costs of buying a new home.

 

Finding the Right Home

If after asking yourself those questions above you know that downsizing is the right move for you, then you are ready to start searching for a home. There are many things to consider when downsizing. The first has to do with the style of home. If you want something low maintenance, consider a townhouse or condo. Just make sure you consider the HOA fees when figuring out our budget. For those that prefer a single family home, consider the layout of the home and make sure it will fit your physical needs now and in the years to come. Avoid older homes that might require renovations or continual upkeep. Be sure to understand how small you are willing to go and begin to make adjustments to ensure your lifestyle needs will be met in a smaller space. Along with the home itself, you want to consider the neighborhood. You should determine whether you want your smaller home to be in a pedestrian friendly area, close to all necessarily amenities. Consider whether you want to live in a tight knit community with other residents at the same life stages as you. Work with an experienced North Iowa realtor to help you find the perfect home in the perfect location for you.

 


We hope this blog gave you a some helpful insights into downsizing. If you are ready to take this next step, work with the Top Realtor Mason City IA! We can help you find the perfect property to fit your needs within the North Iowa Homes for Sale. Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

Upcoming Events in Clear Lake!

by Jane Fischer and Associates

Beat the winter blues this February! There are great community events heading your way in CLEAR LAKE! Check out all the information! Jane Fischer & Associates wishes everyone a fun February with family, friends, and neighbors in beautiful Clear Lake!



Mardi Gras Party featuring Hairball  

Date: Friday, February 9th

Time: 8:00 pm - 11:00 pm

Location: Surf Ballroom (460 North Shore Drive, Clear Lake)

Cost: $20 per person (in advance) | $25 per person (at the door)

Celebrate Mardi Gras with Hairball and special guest The M80s.


Yellow Bass Bonanza

Dates: Saturday, February 10th - Sunday, February 11th

Time: 6:30 am - 7:30 am (Registration) | 8:00 am (tournament begins)

Location: McIntosh Woods State Park (1200 East Lake Street, Ventura)

Cost: $150 per team (mail-in) | $160 per team (online)

Come be a part of one of the Midwest's largest Ice Fishing Tournaments. Catch the biggest fish to win thousands of dollars in cash and prizes. Team tournament is on Saturday with single man fishing tournament on Sunday. Do not miss the Saturday Night Ice Bash at Surf Ballroom from 6:00 pm to 9:00 pm. Enjoy dinner, seminars, product demos, and more!


Art FUNdamentals

Date: Saturday, February 10th

Time: 10:30 am - 12:00 pm

Location: CL Tel Studio at Clear Lake Arts Center (17 South 4th Street, Clear Lake)

Cost: $8 per child

Your child will love learning the fundamentals of art and design with instructor Angie Roe Gauden. Children under 5 must be accompanied by an adult.


Clear Lake Jaycees February Meeting

Date: Monday, February 12th

Time: 5:45 pm - 6:45 pm

Location: Cancun Mexican Restaurant (1801 US Highway 18 East, Clear Lake)

Cost: FREE admission | Open to the public

Get involved in your community with the Clear Lake Jaycees. Topics for this monthly meeting will include Beer Pong Tournament, Brewery Tour, and Golf Tournament. Meetings occur the second Monday of every month. Everyone in Clear Lake aged 21 to 40 are welcome to join.


Color the Wind Meet the Kite Pilots Reception

Date: Friday, February 16th

Time: 5:30 pm - 7:30 pm

Location: Sukup Performing Arts Wing & Hanson Gallery at Clear Lake Arts Center (17 South 4th Street, Clear Lake)

Cost: FREE admission | Open to the public

Meet the designers, engineers, pilots, and technicians that bring the kites of the Color the Wind Kite Festival alive. Enjoy live music, appetizers, and beer and wine. Donations are always welcome and support the Art Center's Youth Arts Program.


Creative Kid's Free Kite Activity

Date: Saturday, February 17th

Time: 9:00 am - 12:00 pm

Location: The Sukup Performing Arts Wing, CL Tel Studio, & Walker Studio at Clear Lake Arts Center (17 South 4th Street, Clear Lake)

Cost: FREE admission | Open to the public

Come make and decorate your own kite for the Color the Wind Kite Festival. Children of all ages are welcome. Supplies are available at a first come, first serve basis.


Color the Wind Kite Festival

Date: Saturday, February 17th

Time: 11:00 am - 4:00 pm

Location: Downtown Clear Lake by the Seawall

Cost: FREE admission

Do not miss the largest and most colorful winter kite festival in the Midwest! See incredible inflatable kites flown by kite-flyers from around the country. There will be food available to purchase during the festival.


4-Day Fritz Hoppe Sculpture Workshop

Date:   Monday, February 19th - Thursday, February 22nd

Time:   10:00 am - 5:00 pm

Location:   Clear Lake Arts Center (17 South 4th Street, Clear Lake)

Cost: $400 per person (Workshop fee) plus $90 for materials | Call (641) 357-1998 to register

Come learn about modeling and sculpting for metal casting by sculptor Fritz Hoppe. This four day workshop will teach you step by step through this artistic process, ending in a finished sculpture in modeling clay created by you! Class size is limited.

 

 

Image Credits: Yellow Bass Bonanza & Clear Lake Chamber of Commerce

Clear Lake's Winter Dance Party!

by Jane Fischer and Associates

It's time for the biggest party of the year in Clear Lake! Celebrate three of rock n’ roll’s greatest legends [Buddy Holly, Ritchie Valens, and J.P. “The Big Bopper” Richardson] at the 2018 WINTER DANCE PARTY in the beautiful, historic Surf Ballroom. The town will be filled with fun, rock n' roll activity from Wednesday, January 31st, through Saturday, February 3rd! Check out the Schedule of Events to find information about recurring events, such as the “Rave On XIV” Art Exhibit, Rockin’ Boppin’ Record Show, Showing of The Real Buddy Holly Story Rockumentary, and Movie: Stand By Me, AND SO MUCH MORE!!!! Purchase Tickets HERE! This is the North Iowa event that you do not want to miss!!

 

Wednesday, January 31st

Family Sock Hop

*Please note that this is a separate ticket from the Thursday-Saturday festival pass!

 

Thursday, February 1st

Winter Dance Party: Thursday Night

 

Friday, February 2nd

29th Annual British Buddy Holly Society Luncheon

  • 10:30 am - 3:30 pm | Best Western Holiday Lodge

  • Performances by: TBA

  • Contact Margaret Majerczyk [margaretm@myomnitel.com] for ticket information.

Afternoon Live Entertainment

  • 1:00 pm - 4:00 pm | Cypress Lounge

  • Performances by: The Mockingbirds

  • Tickets: FREE for WDP Ticket holders | $5 for general public

Winter Dance Party: Friday Night  

Saturday, February 3rd

Memorial Site Tour

  • Surf Ballroom

  • Tickets: $8 per person (Limited Availability)

  • Escorted motor coach tour to the crash site. 75 to 90 minute tour.

Ritchie Valens Family Luncheon

  • 11:00 am | Best Western Holiday Lounge

  • Performances by: Richie Lee & The Fabulous 50s

  • Tickets: $20 in advance

  • Join the Valens family for a meal and dancing.

Winter Dance Party: Saturday Night   



Jane Fischer & Associates wishes everyone a rockin’ good time this week in beautiful Clear Lake, Iowa!  

 

 

 

Image Credits: 2018 WINTER DANCE PARTY


 

Upcoming Events and Special Giveaway in Clear Lake!

by Jane Fischer and Associates

Start your 2018 off right! There are great community events heading your way in CLEAR LAKE! Check out all the information below and find a special giveaway offer at the bottom! Jane Fischer & Associates wishes everyone a fun January with family, friends, and neighbors!


 

Destination Clear Lake Launch Party & Chamber Annual Awards Ceremony

Date: Thursday, January 18th

Time: 5:00 pm - 7:00 pm

Location: Rookies Rockin Sports Bar (307 Main Avenue)

Celebrate the Clear Lake Area Chamber of Commerce's bigest night of the year! The 2017 Annual Awards will be presented, the 75th Anniversary year will be kicked off, AND the 2018 edition of Destinitation Clear Lake will be unveiled!

 

"The Jack" Iowa LeMans Snowmobile Championship Jack Helgren Memorial Race

Dates: Friday, January 19th - Saturday, January 20th

Time: Click HERE

Location: Clear Lake State Park

Enjoy snowmobiling fun at the Annual Jack Race weekend! The whole family will love this weekend of festivities. On Friday, enjoy a snowmobile ride around the lake, bonfire, and Welcome Reception. On Saturday, check out all the races, vintage show, and more. Check out the awards banquet and live band at the end of the night. This annual event is a memorial to Jack Helgren, a Clear Lake buisnessman and avid snowmobiler.

 

Poodle Skirt Workshop

Date: Saturday, January 27th

Time: 10:30 am - 12:30 pm

Location: Clear Lake Arts Center (17 South 4th Street)

Make your own poddle skirt for the Winter Dance Party! Join instructor Andrea Evelsizer as she teaches you a qucik, simple pattern. All ages are welcome to attend. The cost is $40 per adult and $30 per child. The cost includes supplies. Register today! Call (641) 357-1998 or email clac@cltel.net.

Boy Scout Chili Supper

Date: Monday, January 29th

Time: 5:00 pm - 7:00 pm

Location: United Methodist Church (508 2nd Avenue North)

Enjoy a delicious vegetable soup and chili soup by Clear Lake Boy Scott Troop 30. Carryouts will be available starting at 4:30 pm. The cost is $8 per adult and $3 per child (ages 12 & under).

 

The Real Buddy Holly Story Rockumentary

Date: Wednesday, January 31st

Time: 3:00 pm - 4:45 pm

Location: Clear Lake Arts Center (17 South 4th Street)

See Paul McCartney's Rockumentary about rock 'n roll legend Buddy Holly. Beverages will be available to purchase. This event is FREE to the public. Can't make it on the 31st? There are additional screenings February 1st through 3rd (all at 3:00 pm).

 

Winter Dance Party Family Sock Hop

Date: Wednesday, January 31st

Time: 7:00 pm - 11:55 pm

Location: Surf Ballroom (460 North Shore Drive)

Get a jump start on the rock & roll party with some family friendly fun during the Winter Dance Party Family Sock Hop! Dance the night away to live music by Johnny Rogers! Tickets are $10 advance and $13 at the door. Children 5 and under are FREE! Purchase tickets HERE.



FOR A CHANCE TO WIN 2 FREE TICKETS TO THE WINTER DANCE PARTY AND T-SHIRTS, CLICK HERE!!!

Image Credits: The Jack Race and Winter Dance Party

Tips For Being A Successful Home Buyer!

by Jane Fischer and Associates

Home Buying in North IowaIn today’s blog post we are going to discuss tips for home buying success. Deciding to buy a new home is an exciting venture. And, there is no better place to buy than in North Iowa! Although January is not considered a hot real estate month, buyers can use the timing to their advantage. Less competition from other buyers and the potential for higher savings from sellers eager to close can help you be in your dream home before you know it. Ensure success during your own buying process! Look through the current Home Listings so we can help you begin your exciting journey, and follow these useful tips for being a successful home buyer!

 

WORK WITH AN EXPERIENCED AGENT.

Ensure buying success by teaming up with an experienced real estate agent. You will eliminate a majority of time and stress that can come with house hunting and buying by having someone else in your corner! Jane Fischer and Associates Team is here to help you every step of the way! We understand the North Iowa housing market, know what is currently available to fit your personal housing needs, and can negotiate the best deal for your new home! Learn more About Us in terms of our years of experience and our commitment to serving you!

 

GET PREAPPROVAL FROM A LENDER.

Let sellers know that you are serious about buying by getting preapproval for a loan from a reputable lender. Having this information ready to present to the seller ensures them that you can afford their home. Learn the important steps of Obtaining a Mortgage. The initial step of preapproval is easy to get out of the way from the very beginning if you have a high credit score and savings.

 

BE DECISIVE.

We understand that buying a home is a major life decision. This can lead to overthinking the process, though. Know exactly what you are looking for from the very start. Prioritize the important factors, such as location, type, and price. Start your house hunting with a clear understanding of exactly what you need in a new home. Once you find a home that meets all of these needs, make an offer! While you should be diligient in your decision making, do not allow over analyzing to get in the way of making an offer. If you wait too long, you risk the chance of losing your dream home!

 

MAKE A STRONG OFFER.

Always begin with a strong opening offer. In your initial planning stages, you should have set a budget for yourself and know the maximum that you are willing to pay for a home. We all always want to get the best deal possible but be respectiful of the needs of the seller as well. If you offer a price that is too low, you could miss out on your dream home. Ask your realtor for advice based on other homes on the market. Determine an opening offer that you care comfortable with and that will be appealing to the seller.

 

PREPARE FOR A BIDDING WAR.

A bidding war between you and the seller is an added stress. However, do not go into the process with the mindset that you want to avoid this process at all cost. It could mean missing out on a great opportunity. Have a clear understanding of what you can afford and search for homes below your max budget. This will allow you more wiggle room should a bidding war ensue. Trust your realtor during the negotiation process as they are there to help you get the home for the best possible price.

 

MISTAKES ARE LEARNING OPPORTUNITIES.

Although we want to make sure you end up in the first home you fall in love with, realize that this might not always work out. If a deal falls through, use it as an opportunity to learn what went wrong with the transaction and avoid it for the next offer. There are so many incredible options in North Iowa that you will find another home to love...perhaps even more so! Just stay true to what you are looking for and let our team help you find it!


We hope this blog gave you a some helpful tips for becoming a succesful home buyer. However, we realize that you might still have some more questions. For more Home Buying Tips, give our experienced Team a call, visit our website, or check out our Facebook Page. We are here to help if you're considering Buying, Selling, or Investing in Real Estate in the North Iowa. Contact us today at 641-425-4900 or http://www.janefischer.com/.


Merry Christmas and Happy New Year from Our Team!

by Jane Fischer and Associates

 

 

The Christmas Season is our favorite time of year! With all of the incredibly festive events taking place throughout Mason City and Clear Lake, it is impossible not to be filled with good cheer and fall even more in love with living in this area. As Christmas quickly approaches, we would to extend a very warm THANK YOU to all of our past and current clients for giving us the opportunity to assist you with all of your North Iowa real estate needs! It has truly been a joy to serve you this year!


We hope your North Iowa home is filled with laughter and love as you celebrate Christmas this weekend!


The new year often brings new goals. If real estate goals are on your 2018 list, our team is here to help you achieve them! Whether you are a Home Buyer or Home Seller, we can assist you every step of the way! Through our years of experience, we love sharing our knowledge of our communities and helping people find their dream home in our area. Work with North Iowa's best real estate team in 2018! Contact us today so we can help you in every way that we can. We look forward to meeting with you!



Jane Fischer & Associates Team Wishes You A Very Merry Christmas and Prosperous New Year!


22nd Annual Festival of Trees Opens Today!

by Jane Fischer and Associates

Come kickoff  the holiday season in Clear Lake this weekend at the One Vision Festival of Trees!! For the 22nd year, more than 100 Christmas trees, wreaths, and other holiday décor will be on display and for sale  at One Vision’s Kinney Lindstrom Center gymnasium (1200 North 9th Street West) from Friday, December 1st through Sunday, December 3rd. Enjoy a beautiful, festive walk through the displays and find the perfect decorations for your North Iowa home! Don’t miss your chance to see and purchase the beautiful wreath sponsored by Jane Fischer and Associates Team!! Along with the displays, enjoy live musical entertainment and fun special events planned throughout the weekend, including the Opening Night Gala, Breakfast With Santa, Cookie Walk, and other family activities!

 

The Festival of Trees is a fundraiser for One Vision (formally Opportunity Village). This nonprofit organization, based in Clear Lake, helps over 550 people “achieve greater independence through personal choice and community involvement”. All proceeds from this weekend will be used towards services provided by the organization.

 

FESTIVAL OF TREES DISPLAY HOURS

Friday. December 1st | 5:00 pm to 8:00 pm

Saturday. December 2nd | 8:00 am to 3:00 pm

Sunday. December 3rd | 11:00 am to 2:00 pm

 

FESTIVAL OF TREES SPECIAL EVENTS

OPENING NIGHT
Date: Friday, December 1st

Time: 5:00 pm until 8:00 pm

Admission: $25 per person  

Get access to the Festival of Trees during the Opening Night Gala! Enjoy a candle lit  evening with live music and tasty treats and beverages.

 

BREAKFAST WITH SANTA

Date: Saturday, December 2nd

Time: 8:00 am until 11:00 am

Admission: $8 per adult | $5 per child (ages 5 & under)
Meet Santa and enjoy a delicious pancake breakfast, courtesy of the Clear Lake Knights of Columbus. Tickets to Breakfast With Santa include admission to the Festival of Trees displays.  

 

SECRET SANTA WORKSHOP
Date: Saturday, December 2nd

Time: 8:00 am until 1:00 pm

Your children will love some “parent-free” time while creating homemade gifts to take home.

 

COOKIE WALK
Date: Sunday, December 3rd

Time: 11:00 am until Cookies are Sold Out!

Stock up on delicious homemade cookies and candies for the holidays.

 

 

Purchase tickets for all special events in advance HERE or at the door!

 

Image Credit: EventBrite   

Christmas By The Lake!

by Jane Fischer and Associates

Do you hear those jingle bells getting closer?! It is almost time for Christmas by the Lake! One of the holiday highlights in North Iowa, Christmas by the Lake in beautiful Clear Lake offers two days of festive fun for the whole family! Do not miss out on any of the fun! Find the full schedule below and enjoy a weekend of yuletide cheer!

 

Saturday, December 2nd

  • 8:30 am | Cookie Walk/Crafts | United Methodist Church

  • 9:00 am - 4:00 pm | Holiday Bazaar | Senior Citizens Center

  • 10:30 am & 11:00 am | Storytime & Crafts for Children (Ages 3-6) | Public Library

  • 11:00 am | Crowning of Christmas Prince & Princess | Clear Lake Bank & Trust

  • 11:00 am | Free Screening of ELF | Lake Theatre

  • 11:00 am - 1:30 pm | Soup/Sandwich Lunch | United Methodist Church

  • 11:00 am - 4:00 pm | Indoor Nativity Scene Displays | CL Regular Baptist Church

  • 12:00 pm - 4:00 pm | Children’s Petting Zoo & Pony Rides | City Park

  • 1:00 pm - 4:00 pm | S’Mores & Christmas Karaoke | 400 Block of Main

  • 1:00 pm - 4:00 pm | Visit with Santa | City Park

  • 1:00 pm - 4:00 pm | Free Main Street Trolley Rides

  • 1:00 pm - 4:00 pm | Professor Von Air Extraordinaire | Clear Lake Arts Center

  • 1:30 pm - 4:00 pm | Santa’s Workshop Festival | Clear Lake Arts Center

  • 2:00 pm - 4:30 pm | Free Horse Drawn Sleigh & Carriage Rides | Wilcox Furniture & Ge-Jo’s

  • 2:00 pm - 5:00 pm | Strolling Dicken’s Characters

  • 5:00 pm | Lighted Christmas by the Lake Parade & Fireworks Finale

  • 6:00 pm - 7:00 pm | Visit with Santa | City Park

 

Sunday, December 3rd

  • 11:00 am | Free Screening of ELF | Lake Theatre

  • 12:30 pm | Polar Bear Dip | City Beach

  • 1:00 pm | Treasure Hunt | Lakeview Room

  • 1:00 pm - 4:00 pm | Visit with Santa | City Park

  • 2:00 pm | Messiah Sing with a Concert by NordKor Children’s Choir | United Methodist Church

 

 

Jane Fischer and Associates Team wishes everyone a very merry time at Christmas by the Lake!

 

 

 

Image Credit: Clear Lake, Iowa


Reasons to Celebrate All Month Long!

by Jane Fischer and Associates

Thanksgiving might be November's star holiday but there are several other days within the month worth celebrating! This month is all about appreciation, togetherness, and celebration! With national and international holidays, there is plenty to be joyful about in November! Here is one fun and easy way for you to celebrate each of these month's best holidays!

 

 


 

November 11th - Veterans Day

Celebrate by thanking a veteran you know for their bravery and service!

November 13th - World Kindness Day

Celebrate by performing a random act of kindness to a total stranger!

November 16th - World Tolerance Day

Celebrate by learning more about a culture that is different than your own!

November 20th - Universal Children’s Day

Celebrate by taking a child in your life out for a fun activity or healthy, delicious treat!

November 23rd - Thanksgiving

Celebrate by giving thanks for your many blessings this year!

November 25th - Small Business Saturday

Celebrate by supporting your favorite locally owned business!

November 28th - Giving Tuesday

Celebrate by donating your time or money to your favorite charitable cause!

Check out our Blog for fun decorating tips and holiday ideas all season long! Jane Fischer and Associates Team hopes everyone in North Iowa enjoys making these unique holidays a part of yours and your family's traditions!

Get Connected with the Clear Lake Area Chamber of Commerce!

by Jane Fischer and Associates

Clear Lake is one of the best places to call home. A stunning natural landscape, endless recreational activities, fun community events, and access to amenities and facilities are just some of the many reasons that Clear Lake is top notch. Another reason is the dedication of local organizations to promote and support the continual development of the community. One such organization is the Clear Lake Area Chamber of Commerce! This fantastic organization made up of local business owners is dedicated to making the community a better place for everyone.


The Chamber is focusing on connecting its members and the public in better ways. Communication is key to this effect. Find out more about the organization and the work they do during their "Chamber Chats" on Facebook. These live videos occur the 2nd and 4th Monday of every month at 11:00 am. Topics are focused on upcoming Chamber and major community events, local projects and happenings, Chamber members, and more helpful information. This is a great way to stay informed about what is happening in Clear Lake and find out more about the incredible local businesses in our community.


Be sure to take advantage of all the informative programming and fun events that the Chamber hosts throughout the year. Here is the schedule for the rest of 2017:

Clear Lake Pathway to Success

  • Tuesday, October 31st | 11:45 am | Best Western Holiday Lodge

Chamber Chats on Facebook

  • 2nd & 4th Mondays of the Month | 11:00 am | Online

12 X 12 Luncheon

  • Friday, November 17th | 12:00 pm - 1:15 pm | Chamber

Festival of Trees

  • Friday, December 1st - Sunday, December 3rd | One Vision

Christmas by the Lake

  • Saturday December 2nd | 12:00 pm - 5:00 pm | Downtown Clear Lake

New Member Orientation

  • Monday, December 11th | 4:00 pm - 5:00 pm | Chamber

Business After Hours

  • Thursday, December 14th | 4:30 pm - 6:30 pm | Clear Lake Arts Center

Quarterly Chamber Coffee

  • Friday, December 15th | 7:30 am - 9:15 am | Surf Lounge

Lake Leadership Days

  • Education Day – Wednesday, November 15th

  • Health & Recreation Day – Wednesday, December 20th



Are you a local business owner? Become a Chamber member today! Find out more information HERE!

 

 

Image Credit: Clear Lake Area Chamber of Commerce

Displaying blog entries 11-20 of 40

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Contact Information

Jane Fischer & Associates
Real Estate Consultants
119 2nd Street NW #2
Mason City IA 50401
Cell: 641-425-4900
Office: 641-424-HOME (4663)

2018 Jane Fischer & Associates Real Estate Consultants Logo are registered service marks owned by Jane Fischer & Associates Real Estate Consultants. Equal Housing Opportunity.