#NNPA BlackPress
OP-ED: Title Insurance Helps Homeownership for Black Americans and Others
NNPA NEWSWIRE — Often misunderstood, title insurance is a product that comprehensively protects homeowners’ property rights and their lenders’ financial interest in a property. It is vastly different than other types of insurance because it is a one-time fee and title professionals do the majority of the work upfront to both examine title issues and rectify any problems found. That is why many homeowners thankfully don’t experience the challenge of a claim that threatens their homeownership – but if they do, title insurance is paramount to protecting their biggest investment.
The post OP-ED: Title Insurance Helps Homeownership for Black Americans and Others first appeared on BlackPressUSA.
By Benjamin F. Chavis Jr., President and CEO, National Newspaper Publishers Association
During the State of the Union, President Joe Biden spoke eloquently and passionately about one of the Biden-Harris Administration’s key priorities: housing affordability. The President’s proposals included ideas that would boost housing supply and make homeownership more attainable for those that are currently being priced out of the market.
While the vast majority of President Biden’s new proposals would thoughtfully address some of the country’s most pressing issues, one idea that flew under the radar was a proposal about title insurance, a lesser known but vital part of the homebuying and refinancing process.
It was concerning to hear about the proposal – a new pilot program that would waive title insurance requirements for certain qualified homeowners – as one of the ideas being considered by the Administration to improve access to affordable housing. Given that the program – which was previously abandoned by Fannie Mae last year – only applies to higher-wealth individuals who are refinancing properties, should it be a top public policy priority now for The White House?
It is no secret that high interest rates and a low supply of affordable homes stand in the way of homeownership for low and middle-income families and people of color. According to the National Association of Realtors, the gap between Black and White homeownership is worse than it was a decade ago, with the Black homeownership rate at 44.1% compared to the White homeownership rate of 72%.
The National Association of Real Estate Brokers (NAREB) in its 2023 State of Housing in Black America reported that “In 2022, the Black homeownership stood at 45%, only modestly higher than the level at the passage of the 1968 Fair Housing Act. This disparity between Blacks and Whites has expanded over the past half-century.”
Additionally, data from Zillow shows that only 7.8% of Black non-home owning families have enough income to pay a typical mortgage payment in their area without being cost burdened. This is where the focus should be – on building more homes for those who need them. We commend the Biden Administration for its work through the Housing Supply Action Plan to do just that. By increasing the supply of affordable housing of all types in our communities, we can expand access to the housing market to those in our communities that are currently shut out and ensure the dream of homeownership is truly available all to Americans.
That is why, while well intentioned, the proposed title waiver pilot under consideration will cause unintended negative consequences in particular for African American, Latino American, and other communities of color across the nation. All communities should have access to fair housing opportunities and acquisitions.
Often misunderstood, title insurance is a product that comprehensively protects homeowners’ property rights and their lenders’ financial interest in a property. It is vastly different than other types of insurance because it is a one-time fee and title professionals do the majority of the work upfront to both examine title issues and rectify any problems found. That is why many homeowners thankfully don’t experience the challenge of a claim that threatens their homeownership – but if they do, title insurance is paramount to protecting their biggest investment.
Some may ask: why do I need to purchase title insurance when refinancing? When refinancing, a homeowner purchases a new loan, and title issues can arise between the old loan and the new loan. For example, if a homeowner does not pay their contractor for repairs to their roof, there could be a lien against the property. Lenders need assurance that if a homeowner defaults on their mortgage, they have first lien priority.
That is why the proposal to waive title insurance on refinancing is extremely risky. If a title issue arose, Fannie Mae and Freddie Mac would essentially turn into title insurers and would have to bear the risk of making lenders whole on those loans. These are the same companies that are under conservatorship due to their role in the 2008 financial crisis which cost taxpayers more than $200 billion and devastated minority communities by chasing profits for themselves. I don’t believe it is prudent to shift more risk to Fannie Mae or Freddie Mac, especially when the proposal at hand would not meaningfully address the nation’s housing affordability challenge.
This is not a partisan issue, nor is it a new proposal. This same pilot program was withdrawn last year after members of Congress from both sides of the aisle and industry experts criticized the idea. Ed DeMarco, Acting Director of the Federal Housing Finance Agency (the agency that oversees Fannie Mae and Freddie Mac) under President Obama, stated during a Congressional hearing last May, “It certainly is disturbing to think that Fannie Mae or Freddie Mac might displace title insurance by taking on this insurance itself.”
As the Administration continues to work towards improving housing affordability, first-time, low-income, and minority homebuyers should continue to be the focus. Waiving title insurance on a few refinancing transactions will not move the needle, and it could actually increase risk for little gain.
Homeownership is largest driver of wealth creation for all Americans. If we truly want to close the racial wealth gap, we must not only ensure that homeownership is available to communities of color, but we must also ensure those homes are protected for generations to come.
I urge the Administration, therefore, to reconsider its focus on removing the critical protections provided by title insurance and continue to work on solutions that will truly address the availability and affordability of homes in all communities in America, and in particular for underserved communities.
Dr. Benjamin F. Chavis Jr. is President and CEO of the National Newspaper Publishers Association (NNPA) and Executive Producer/Host of The Chavis Chronicles on PBS TV stations across the US and can be reached at dr.bchavis@nnpa.org
The post OP-ED: Title Insurance Helps Homeownership for Black Americans and Others first appeared on BlackPressUSA.
#NNPA BlackPress
LIHEAP Funds Released After Weeks of Delay as States and the District Rush to Protect Households from the Cold
BLACKPRESSUSA NEWSWIRE — The federal government has released $3.6 billion in home heating assistance after a delay that left states preparing for the start of winter without the program’s annual funding.
By Stacy M. Brown
Black Press USA Senior National Correspondent
The federal government has released $3.6 billion in home heating assistance after a delay that left states preparing for the start of winter without the program’s annual funding. The Low-Income Home Energy Assistance Program, known as LIHEAP, helps eligible households pay heating and cooling bills. The release follows a shutdown that stretched 43 days and pushed agencies across the country to warn families of possible disruptions.
State officials in Minnesota, Kansas, New York, and Pennsylvania had already issued alerts that the delay could slow the processing of applications or force families to wait until December for help. In Pennsylvania, more than 300,000 households depend on the program each year. Minnesota officials noted that older adults, young children, and people with disabilities face the highest risk as temperatures fall.
The delay also raised concerns among advocates who track household debt tied to rising utility costs. National Energy Assistance Directors Association Executive Director Mark Wolfe said the funds were “essential and long overdue” and added that high arrearages and increased energy prices have strained families seeking help.
Some states faced additional pressure when other services were affected by the shutdown. According to data reviewed by national energy advocates, roughly 68 percent of LIHEAP households also receive nutrition assistance, and the freeze in multiple programs increased the financial burden on low-income residents. Wolfe said families were placed in “an even more precarious situation than usual” as the shutdown stretched into November.
In Maryland, lawmakers urged the Trump administration to release funds after the state recorded its first cold-related death of the season. The Maryland Department of Health reported that a man in his 30s was found outdoors in Frederick County when temperatures dropped. Last winter, the state documented 75 cold-related deaths, the highest number in five years. Rep Kweisi Mfume joined more than 100 House members calling for immediate federal action and said LIHEAP “is not a luxury” for the 100,000 Maryland households that rely on it. He added that seniors and veterans would be placed at risk if the program remained stalled.
Maryland Gov. Wes Moore used $10.1 million in state funds to keep benefits moving, but noted that states cannot routinely replace federal dollars. His administration said families that rely on medical equipment requiring electricity are particularly vulnerable.
The District of Columbia has already mapped out its FY26 LIHEAP structure in documents filed with the federal government. The District’s plan shows that heating assistance, cooling assistance, weatherization, and year-round crisis assistance operate from October 1 through September 30. The District allocates 50 percent of its LIHEAP funds to heating assistance, 10 percent to cooling, 13 percent to year-round crisis assistance, 15 percent to weatherization, and 10 percent to administrative costs. Two percent is used for services that help residents reduce energy needs, including education on reading utility bills and identifying energy waste.
The District’s plan lists a minimum LIHEAP benefit of $200 and a maximum of $1,800 for both heating and cooling assistance. Crisis benefits are provided separately and may reach up to $500 when needed to resolve an emergency. The plan states that a household is considered in crisis if it has been disconnected from energy service, if heating oil is at 5 percent or less of capacity, or if the household has at least $200 owed after the regular benefit is applied.
The District’s filing notes that LIHEAP staff conduct outreach through community meetings, senior housing sites, Advisory Neighborhood Commissions, social media, posters, and mass mailings. The plan confirms that LIHEAP applicants can apply in person, by mail, by email, or through a mobile-friendly online application and that physically disabled residents may request in-home visits.
As agencies nationwide begin distributing the newly released funds, states continue working through large volumes of applications. Wolfe said LIHEAP administrators “have been notified that the award letters have gone out and the states can begin to draw down the funds.”
#NNPA BlackPress
Seven Steps to Help Your Child Build Meaningful Connections
BLACKPRESSUSA NEWSWIRE — Swinging side by side with a friend on the playground. Sharing chalk over bright, colorful sidewalk drawings. Hiding behind a tree during a spirited game of hide-and-seek. These simple moments between children may seem small, but they matter more than we think
By Niyoka McCoy, Ed.D., Chief Learning Officer, Stride/K12
Swinging side by side with a friend on the playground. Sharing chalk over bright, colorful sidewalk drawings. Hiding behind a tree during a spirited game of hide-and-seek. These simple moments between children may seem small, but they matter more than we think: They lay the foundation for some of life’s most important skills.
Through everyday play, young children begin learning essential social and emotional skills like sharing, resolving conflicts, showing empathy, and managing their emotions. These social skills help shape emotional growth and set kids up for long-term success. Socialization in early childhood isn’t just a “nice-to-have”—it’s essential for development.
Yet today, many young children who haven’t yet started school aren’t getting enough consistent, meaningful interaction with peers. Research shows that there’s a decline in active free play and peer socialization when compared to previous generations.
There are many reasons for this. Children who are home with a parent during the day may spend most of their time with adults, limiting opportunities for peer play. Those in daycare or preschool may have restricted free play, and large classrooms can reduce supervision and social coaching. Some children live in rural areas, are homebound due to illness, have full schedules, or rely on screens to fill their playtime. And for some families, finding other families with young children to connect with isn’t easy.
While these challenges can feel significant, opportunities for connection still exist in every community. Families can take simple steps to help children build friendships, create a sense of belonging, and strengthen social skills. Here are some ideas to get started:
- Storytime sessions at libraries or local bookstores
- Community offerings such as parent-child workshops, art, music, gymnastics, swimming, or sports programs
- Weekly events at children’s museums, which may include art projects, music workshops, or science experiments
- Outdoor exploration, where kids can play with peers
- Local parenting groups that organize playdates and group activities
- Volunteer opportunities where children can participate, such as pet adoption events or packing meals at a food bank
- Classes for kids at local businesses, including hardware, grocery, or craft stores
Some of these community activities are free or low-cost and give kids the chance to build friendships and practice social skills. Parents can also model positive social behavior by interacting with other parents and encouraging their children to play with their peers.
These may seem like small moments of connection, but they can have a powerful impact. Every time your child shares a toy, plays make-believe with peers, or races a friend down the slide, they’re not just playing—they’re learning the skills that build confidence, empathy, and lasting friendships. And it’s good for you, too. Creating intentional opportunities for play also helps you strengthen your own network of parents who can support one another as your children grow together.
#NNPA BlackPress
Seven Steps to Help Your Child Build Meaningful Connections
BLACKPRESSUSA NEWSWIRE — Swinging side by side with a friend on the playground. Sharing chalk over bright, colorful sidewalk drawings. Hiding behind a tree during a spirited game of hide-and-seek. These simple moments between children may seem small, but they matter more than we think
By Niyoka McCoy, Ed.D., Chief Learning Officer, Stride/K12
Swinging side by side with a friend on the playground. Sharing chalk over bright, colorful sidewalk drawings. Hiding behind a tree during a spirited game of hide-and-seek. These simple moments between children may seem small, but they matter more than we think: They lay the foundation for some of life’s most important skills.
Through everyday play, young children begin learning essential social and emotional skills like sharing, resolving conflicts, showing empathy, and managing their emotions. These social skills help shape emotional growth and set kids up for long-term success. Socialization in early childhood isn’t just a “nice-to-have”—it’s essential for development.
Yet today, many young children who haven’t yet started school aren’t getting enough consistent, meaningful interaction with peers. Research shows that there’s a decline in active free play and peer socialization when compared to previous generations.
There are many reasons for this. Children who are home with a parent during the day may spend most of their time with adults, limiting opportunities for peer play. Those in daycare or preschool may have restricted free play, and large classrooms can reduce supervision and social coaching. Some children live in rural areas, are homebound due to illness, have full schedules, or rely on screens to fill their playtime. And for some families, finding other families with young children to connect with isn’t easy.
While these challenges can feel significant, opportunities for connection still exist in every community. Families can take simple steps to help children build friendships, create a sense of belonging, and strengthen social skills. Here are some ideas to get started:
- Storytime sessions at libraries or local bookstores
- Community offerings such as parent-child workshops, art, music, gymnastics, swimming, or sports programs
- Weekly events at children’s museums, which may include art projects, music workshops, or science experiments
- Outdoor exploration, where kids can play with peers
- Local parenting groups that organize playdates and group activities
- Volunteer opportunities where children can participate, such as pet adoption events or packing meals at a food bank
- Classes for kids at local businesses, including hardware, grocery, or craft stores
Some of these community activities are free or low-cost and give kids the chance to build friendships and practice social skills. Parents can also model positive social behavior by interacting with other parents and encouraging their children to play with their peers.
These may seem like small moments of connection, but they can have a powerful impact. Every time your child shares a toy, plays make-believe with peers, or races a friend down the slide, they’re not just playing—they’re learning the skills that build confidence, empathy, and lasting friendships. And it’s good for you, too. Creating intentional opportunities for play also helps you strengthen your own network of parents who can support one another as your children grow together.
-
Activism3 weeks agoOakland Post: Week of November 12 – 18, 2025
-
Activism3 weeks agoIN MEMORIAM: William ‘Bill’ Patterson, 94
-
Activism3 weeks agoHow Charles R. Drew University Navigated More Than $20 Million in Fed Cuts – Still Prioritizing Students and Community Health
-
Bay Area3 weeks agoNo Justice in the Justice System
-
#NNPA BlackPress3 weeks agoThe Perfumed Hand of Hypocrisy: Trump Hosted Former Terror Suspect While America Condemns a Muslim Mayor
-
#NNPA BlackPress2 weeks agoLewis Hamilton set to start LAST in Saturday Night’s Las Vegas Grand Prix
-
#NNPA BlackPress2 weeks agoTrump’s Death Threat Rhetoric Sends Nation into Crisis
-
#NNPA BlackPress4 weeks agoProtecting Pedophiles: The GOP’s Warped Crusade Against Its Own Lies




