Federal Workers

Resources & Guidance for Federal Workers Facing Career Uncertainty

With over 400,000 federal civilian workers in the DMV and major agencies facing significant cuts, the effects of federal layoffs extend far beyond those directly impacted. From job losses to shifts in the housing market and uncertainty in local businesses, these changes will be felt throughout our communities.

If you're navigating these challenges—whether considering a move, reassessing your housing options, or seeking stability in uncertain times—I'm here to provide guidance and help you make informed decisions.

Below please find information in the following categories:

  • Key Home & Financial Considerations
  • Businesses Offering Discounts & Resources
  • Websites With Updates

Bookmark this page, as I'll continue updating it with valuable resources to support you.

Navigating Career Uncertainty: Key Home & Financial Considerations

When facing career changes or uncertainty, taking a proactive approach to your housing and financial situation is essential. Whether you're considering staying put or making a move, review these key factors before making major decisions.

1. Know Your Home's Market Value & Housing Trends

  • If selling becomes a possibility, understanding your home's current market value helps set realistic expectations.
  • Research neighborhood trends—are home prices rising, stabilizing, or declining?
  • If refinancing could provide financial flexibility, check your eligibility before a job change affects lending options.

2. Review Your Insurance Policies

  • Ensure your homeowner's insurance reflects your property's current value and any improvements.
  • Reevaluate your deductible to see if adjustments could save you money or improve coverage.
  • Consider an umbrella policy if you own rental properties or multiple assets that need additional protection.

3. Verify Your Property Title & Estate Planning

  • Is your home title correct? This is especially important if you've experienced marriage, divorce, or inheritance changes.
  • If you have a trust, confirm that your home is properly included in it.
  • Review your power of attorney, will, and beneficiaries to ensure everything is up to date.

4. Understand the Costs & Regulations of Renting Out Your Home

  • If you're considering renting instead of selling, research local landlord-tenant laws and licensing requirements.
  • Maryland has right of first refusal laws, meaning tenants may have the first opportunity to buy a rental property before it's sold.
  • If you won't be local to manage the property, factor in property management costs and responsibilities.

5. Be Aware of Tax Implications When Moving

  • If you plan to leave Maryland but keep your home, the state imposes an 8% nonresident withholding tax when you sell.
  • If you haven't lived in Maryland for at least two of the last five years, part of the sale proceeds may be withheld until state tax obligations are settled.
  • Exemptions exist for trusts, estates, LLCs, divorces, and co-owned properties—consult a tax professional for guidance.

6. Review Your Mortgage Terms & Payment Strategy

  • If financial uncertainty is ahead, review your mortgage terms and explore options for refinancing, loan modification, or deferment if needed.
  • If you have an adjustable-rate mortgage (ARM), check when the rate is set to adjust and how it will affect payments.

7. Plan for Unexpected Expenses

  • Major life changes often bring unforeseen costs, from temporary housing to relocation expenses.
  • Keep emergency savings separate from home equity to avoid selling under pressure.
  • If selling, consider potential capital gains taxes on significant home appreciation.

8. Avoid Making Decisions Based on Fear or Misinformation

  • The internet is full of speculation—seek advice from licensed professionals before making real estate decisions.
  • Talk to a real estate agent, financial planner, and attorney to fully understand your best options.
  • Even in uncertain times, well-informed choices lead to financial stability and peace of mind.

Final Thought: Whether you relocate or stay put, a thoughtful, informed approach ensures you protect your assets and make the best decision for your future.

Businesses Offering Discounts & Resources to Federal Workers in Washington, D.C.

Many businesses in the Washington, D.C., region are supporting federal workers through discounts, free services, and special promotions. Here are some options:

Food & Beverage

  • Right Proper Brewing Company (624 T St NW, Washington, D.C. 20001)

    • 'Pay-it-forward' program—patrons can buy an $8 beer for federal workers. Laid-off employees can claim a free beer with proof of former employment.

  • City-State Brewing Co. (705 Edgewood St NE, Washington, D.C. 20017)

    • 15% discount on all tabs for federal employees throughout February 2025.

  • Lyman's Tavern (3720 14th St NW, Washington, D.C. 20010)

    • Hosted a happy hour fundraiser, donating a portion of drink sales to federal worker support funds.

Health & Wellness

  • Yoga Heights (3506 Georgia Ave NW, Washington, D.C. 20010)

    • Free yoga sessions for federal workers on select dates. Discounted meditation workshops. Email: info@balancegym.com

  • CrossFit Adaptation (4144 S Four Mile Run Dr, Arlington, VA 22206)

    • Sponsorship program covering classes for laid-off federal employees.

Pet Care

  • Friendship Hospital For Animals (4105 Brandywine St NW, Washington, D.C. 20016)
    • Waives emergency and sick visit fees for pets of laid-off federal workers. Extended payment plans available.

Other Services

  • Petal's Edge Floral Design (624 N Washington St, Alexandria, VA 22314)
    • Provided free bouquets to laid-off federal employees who placed orders by February 21, 2025.

Government Employee Discounts

Note: Some offers may have expiration dates. Contact businesses directly to confirm availability.

Websites for Federal Workers Seeking Updates & Resources

For the latest information on employment matters, benefits, and assistance programs, visit these trusted sources:

Stay Informed: Check these sites regularly for policy updates, employment news, and workforce assistance.