collaboration Archives - Hanover Mortgages

Apache is functioning normally

July 24, 2024 by Brett Tams

Welcome to the vibrant city of Oakland, where the rich cultural diversity and stunning natural beauty come together to create a truly unique urban experience. From the bustling waterfront to the serene redwood forests, Oakland offers a little something for everyone. So whether you’re looking for an apartment in downtown Oakland or an apartment in Rockridge, you’ve come to the right place. In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of living in Oakland. Let’s get started and see what awaits in this diverse city.

Fast facts about living in Oakland

Population: Approximately 430,000 residents
Average rent: $2,355 per month for a one-bedroom apartment
Median home sale price: $895,000
Public transit: Bay Area Rapid Transit (BART), AC Transit buses, and ferries
Public parks: Over 130 parks and green spaces for recreation and relaxation
Annual tourists: Approximately 3.5 million visitors each year
Restaurants: Over 1,000, offering a variety of cuisines from around the world

1. Pro: Rich cultural scene

Oakland offers a vibrant cultural scene, with numerous museums, galleries, and theaters. The city is home to the Oakland Museum of California, which showcases the state’s art, history, and natural sciences. Additionally, the Fox Theater and the Paramount Theatre host a variety of concerts, performances, and events throughout the year. The city’s diverse population contributes to a rich tapestry of cultural festivals and events, such as Art + Soul Oakland and the Eat Real Festival, offering residents ample opportunities for artistic and cultural engagement.

2. Con: High cost of living

Housing costs in Oakland are relatively high, with the median sale price for a home in Oakland around $895,000 and the average rent for a one-bedroom apartment in Oakland about $2,355 per month. These housing costs are 87% higher than the national average, making it challenging for many people to afford living in the city.

The high cost of living extends beyond just housing. Overall, the cost of living in Oakland is about 40% higher than the national average. Utilities are 40% more expensive, groceries are 17% higher, transportation costs are 33% above average, and healthcare costs are 21% more. These increased expenses in multiple areas can significantly impact residents’ budgets, requiring careful financial planning to manage effectively.

3. Pro: Strong job market and innovation hub

Oakland has a robust and diverse job market, particularly in the technology, healthcare, and education sectors. The city’s proximity to Silicon Valley and San Francisco provides additional job opportunities, and its more affordable commercial real estate has attracted a growing number of tech companies and startups. This environment fosters a spirit of innovation and entrepreneurship, providing numerous opportunities for networking and career advancement in the tech industry.

Major employers in the area include Kaiser Permanente, Clorox, and the Port of Oakland. The presence of these companies, along with a thriving startup scene, contributes to the city’s economic stability and offers a wide range of career opportunities.

Top employers in Oakland

Blue Shield of California
Sutter Health
Pixar Animation Studios
Southwest Airlines
Alameda Health System

4. Pro: Outdoor recreational activities

Oakland offers a wide range of outdoor recreational activities, thanks to its extensive park system and proximity to natural attractions like the East Bay Hills and the San Francisco Bay. Residents can enjoy hiking, biking, kayaking, and picnicking in the numerous parks and natural areas. The city’s mild climate allows for year-round enjoyment of these activities.

Popular outdoor spots in Oakland

Lake Merritt
Joaquin Miller Park
Redwood Regional Park
Temescal Regional Recreation Area
Middle Harbor Shoreline Park

5. Con: Traffic and parking

Oakland, like many urban areas, experiences traffic congestion and limited parking options. The city’s layout and infrastructure can make driving challenging, and finding parking can be difficult and expensive, especially in popular neighborhoods and downtown. Public transportation, biking, and walking are popular alternatives, but residents who rely on cars may find the traffic and parking situation frustrating. Investing in a parking spot or using car-sharing services can help mitigate some of these challenges.

6. Pro: Culinary diversity

Oakland features a diverse culinary scene, with a wide range of restaurants offering cuisines from around the world. From high-end dining establishments and historic seafood restaurants to food trucks and ethnic eateries in neighborhoods like Chinatown and Fruitvale, the city has something to satisfy every palate. Food festivals, such as Eat Real Festival and Oakland Restaurant Week, showcase the city’s culinary creativity and provide opportunities for residents to explore new flavors.

Popular restaurants in Oakland

Commis
Brown Sugar Kitchen
Homeroom
Sobo Ramen
Drake’s Dealership

7. Con: Earthquake risk

Oakland is located near several major fault lines, making it prone to earthquakes. While the city has implemented stringent building codes and preparedness measures to mitigate the impact of seismic activity, the risk of earthquakes remains a significant concern for residents. Homeowners and renters are encouraged to have earthquake insurance and to be prepared with emergency kits and plans. This natural disaster risk is an important factor to consider when deciding to live in Oakland.

8. Pro: Public transportation

Oakland has a well-developed public transportation system, making it easy for residents to get around without a car. Bay Area Rapid Transit (BART) connects Oakland to San Francisco, Berkeley, and other parts of the Bay Area. AC Transit provides extensive bus services, and ferries offer a scenic commute across the bay. Ride-sharing services like Uber and Lyft are also widely available. Oakland has a transit score of 57, a walk score of 75, and a bike score of 65, reflecting the city’s good infrastructure for public transit, walking, and biking.

9. Pro: Strong sense of community

Oakland is known for its strong sense of community and civic engagement. Residents are often involved in neighborhood associations, community events, and local initiatives that promote a sense of belonging and collaboration. The city’s diverse neighborhoods, such as Rockridge, Montclair, and Fruitvale, each have their own unique character and charm, fostering tight-knit communities where residents support one another. This strong community spirit enhances the quality of life and makes Oakland a welcoming place to live.

10. Pro: Vibrant arts scene

Oakland features a vibrant arts scene, with numerous galleries, studios, and performance spaces. The city is home to the Oakland Art Murmur, a monthly event that showcases local artists and galleries, and the First Fridays street festival, which features live music, food vendors, and art installations. Additionally, Oakland’s cultural diversity is reflected in its many community arts programs and events, offering residents ample opportunities to engage with the arts and express their creativity.

Apache is functioning normally

July 23, 2024 by Brett Tams

Fast facts about living in Austin

Population: Approximately 1 million residents
Average rent: $1,451 per month for a one-bedroom apartment
Median home sale price: $564,000
Public transit: Capital Metropolitan Transportation Authority (CapMetro) provides bus and rail services throughout the city
Public parks: Over 300 parks and green spaces for recreation and relaxation
Annual tourists: Approximately 30 million visitors each year
Restaurants: Over 4,000, offering a variety of cuisines from around the world

1. Pro: Thriving music scene

Austin is famously known as the “Live Music Capital of the World.” The city boasts a vibrant music scene with numerous live music venues, ranging from small bars and clubs to large concert halls. Events like South by Southwest (SXSW) and Austin City Limits (ACL) draw international attention and provide endless entertainment options for residents and visitors alike. The city’s rich musical heritage and active live music scene make it a haven for music lovers.

2. Con: High housing costs

While Austin offers many amenities and a high quality of life, housing costs are relatively high. Housing costs have risen significantly and are now about 9% more than the national average. The median sale price for a home in Austin is around $564,000, and the average rent for a one-bedroom apartment in Austin is about $1,451 per month. Residents need to budget carefully to manage these expenses effectively.

3. Pro: Strong job market

Austin has a robust and diverse job market, particularly in the technology, healthcare, and education sectors. The city is home to numerous tech companies, including major players like Dell, Apple, and Google, earning it the nickname “Silicon Hills.” The presence of these companies, along with a growing number of startups, provides ample job opportunities and contributes to the city’s economic stability. Additionally, the University of Texas at Austin is a major employer and fosters a strong academic environment.

Top employers in Austin

IBM
National Instruments
Ascension Seton
Amazon
Samsung Austin Semiconductor

4. Con: Hot summers

Austin experiences hot summers, with temperatures often soaring into the 90s and sometimes reaching triple digits. The intense heat can be uncomfortable and limit outdoor activities during the peak summer months. Residents need to be prepared for the weather with proper cooling systems and hydration strategies. While the city enjoys mild winters, the summer heat can be a challenge for those not accustomed to such conditions.

5. Pro: Affordable cost of living

Despite high housing costs, the overall cost of living in Austin is about 1% lower than the national average. Utilities are 4% lower, groceries are 2% less expensive, transportation costs are 10% below average, and healthcare costs are 2% less than the national average. These lower costs in other areas can help balance out the high housing expenses, making it easier for residents to manage their overall budgets.

6. Pro: Outdoor recreational activities

Austin offers a wide range of outdoor recreational activities, thanks to its extensive park system and proximity to natural attractions like the Hill Country. Residents can enjoy hiking, biking, kayaking, and swimming in the numerous parks and natural areas. The city’s mild winters and long summers make it possible to enjoy outdoor activities year-round, and the diverse landscape provides opportunities for both leisurely and adventurous pursuits.

Popular outdoor spots in Austin

Zilker Park
Lady Bird Lake
Barton Springs Pool
McKinney Falls State Park
Mount Bonnell

7. Pro: Culinary diversity

Austin features a diverse culinary scene, with a wide range of restaurants offering cuisines from around the world. From farm-to-table establishments and fine dining to food trucks and casual eateries, the city has something to satisfy every palate. Austin is particularly known for its barbecue and Tex-Mex cuisine, which are integral parts of the local food culture. Additionally, food festivals, such as the Texas Monthly BBQ Fest and the Austin Food + Wine Festival, showcase the city’s culinary creativity and provide opportunities for residents to explore new flavors.

Popular restaurants in Austin

Franklin Barbecue
Uchi
Odd Duck
Veracruz All Natural
Launderette

8. Con: Limited public transportation options

While CapMetro provides essential bus and rail services, the public transportation system in Austin is limited compared to larger metropolitan areas. The city has a transit score of 35, a walk score of 42, and a bike score of 54. While biking and walking are viable options for many residents, those who rely on public transit may find the system lacking in convenience and coverage, particularly in suburban areas. Investing in a personal vehicle is often necessary for more extensive commuting.

9. Pro: Cultural and arts scene

Austin boasts a rich cultural and arts scene, with numerous theaters, galleries, and music venues. The city is home to the Blanton Museum of Art, the Contemporary Austin, and the Zach Theatre. Additionally, Austin hosts a variety of cultural festivals and events throughout the year, such as the South by Southwest (SXSW) festival, the Austin City Limits Music Festival, and the Pecan Street Festival. These events celebrate the city’s artistic diversity and provide residents with ample opportunities for cultural enrichment and entertainment.

10. Pro: Strong sense of community

Austin is known for its strong sense of community and civic engagement. Residents are often involved in neighborhood associations, community events, and local initiatives that promote a sense of belonging and collaboration. The city’s diverse neighborhoods, such as South Congress, East Austin, and Hyde Park, each have their own unique character and charm, fostering tight-knit communities where residents support one another. This strong community spirit enhances the quality of life and makes Austin a welcoming place to live.

11. Con: Rising property values and housing demand

As Austin continues to grow and develop, rising property values and increased demand for housing have become significant concerns in many neighborhoods. These trends have led to the displacement of long-time residents and changes in the character of historic communities. The increasing property values can result in a loss of cultural diversity and affordable housing options in certain areas. Efforts are being made to address these issues through community initiatives and affordable housing programs, but the rapid growth and development remain challenges for the city.

12. Pro: Sports and entertainment

Austin has a vibrant sports and entertainment scene, with professional teams, collegiate athletics, and numerous live events. Residents can cheer on Austin FC, the city’s Major League Soccer team, at the state-of-the-art Q2 Stadium. The University of Texas at Austin also has a strong athletic program, with popular sports like football, basketball, and baseball. Additionally, Austin’s music venues, theaters, and event spaces host a wide range of concerts, performances, and festivals, providing a rich array of entertainment options for residents.

Apache is functioning normally

July 22, 2024 by Brett Tams

Welcome to the vibrant city of Minneapolis, where the beautiful Mississippi River flows and the Twin Cities’ unique charm shines through. Known for its thriving arts and culture scene, diverse neighborhoods, and stunning natural landscapes, Minneapolis offers a dynamic and welcoming environment for residents. So whether you’re searching for the perfect apartment in Minneapolis or a cozy home for rent in a quiet suburb, you’ve come to the right place.

In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of living in Minneapolis. Let’s get started and see what awaits in this vibrant and lively city.

Fast facts about living in Minneapolis

Population: Approximately 430,000 residents
Average rent: $1,435 per month for a one-bedroom apartment
Median home sale price: $351,000
Public transit: Metro Transit provides bus, light rail, and commuter rail services throughout the city
Public parks: Over 180 parks and green spaces for recreation and relaxation
Languages spoken: Multiple, reflecting the city’s diverse population
Annual tourists: Approximately 31 million visitors each year
Restaurants: Over 1,900, offering a variety of cuisines from around the world

1. Pro: Affordable cost of living

The cost of living in Minneapolis is about 6% lower than the national average, making it a more affordable place to live compared to other major cities. Housing costs, in particular, are 14% less than the national average, with the median sale price for a home in Minneapolis around $351,000 and the average rent for a one-bedroom apartment in Minneapolis about $1,435 per month. Utilities are about 5% lower than the national average, groceries are approximately 1% lower, and healthcare costs are about 3% less. This affordability makes Minneapolis an attractive option for individuals looking to enjoy a vibrant urban lifestyle without breaking the bank.

2. Con: High property taxes

Property taxes in Minneapolis can be relatively high, adding to the overall cost of homeownership. The city’s property tax rate is around .99%, which aligns with the national average. This higher rate can significantly impact homeowners’ budgets. While these taxes contribute to funding essential services and maintaining the city’s infrastructure, they can be a financial burden for some residents. For a home valued at $320,000, this translates to an annual property tax bill of approximately $3,168. Prospective homeowners need to factor in property taxes when planning their budgets.

3. Pro: Robust economy

Minneapolis boasts a robust and diverse economy, with strong job opportunities in various sectors such as finance, healthcare, technology, and manufacturing. The city is home to several Fortune 500 companies, including Target, U.S. Bancorp, and General Mills. Additionally, the Twin Cities area, which includes Minneapolis and its neighboring city, St. Paul, has a thriving startup scene and is known for its innovation and entrepreneurship. This economic diversity provides residents with a wide range of career opportunities and job stability.

Top employers in Minneapolis

Target Corporation
U.S. Bancorp
General Mills
Medtronic
University of Minnesota

4. Con: Harsh winters

Minneapolis is known for its harsh winters, with temperatures often dropping below freezing and significant snowfall. The winter season can be long and challenging, requiring residents to be well-prepared for cold weather and icy conditions. While the city is equipped to handle snow removal and winter maintenance, the extreme cold can be a downside for those who prefer milder climates. Residents often invest in high-quality winter clothing and vehicles with good traction to navigate the snowy roads.

5. Pro: Abundance of green spaces

Minneapolis is renowned for its extensive park system and abundance of green spaces. The city features over 180 parks, providing ample opportunities for outdoor activities such as hiking, biking, picnicking, and kayaking. The Chain of Lakes, including Lake Harriet, Lake Calhoun (Bde Maka Ska), and Lake of the Isles, offers beautiful scenic spots for recreation and relaxation. Minneapolis’ commitment to maintaining its parks and green spaces makes it an ideal place for nature lovers and outdoor enthusiasts.

6. Con: Limited housing inventory

Minneapolis has experienced a tight housing market in recent years, with limited inventory and high demand driving up prices. This can make it challenging for prospective homebuyers to find affordable housing options. The competitive market also means that homes can sell quickly, requiring buyers to act fast and be prepared with financing. While there are efforts to increase housing availability, the current shortage can be a significant obstacle for those looking to purchase a home in the city.

7. Pro: Rich cultural scene

Minneapolis boasts a rich cultural scene, with numerous theaters, museums, and music venues. The city is home to the renowned Guthrie Theater, the Walker Art Center, and the Minneapolis Institute of Art. Additionally, Minneapolis has a vibrant music scene, with a history rooted in genres such as rock, hip-hop, and Prince’s signature sound. The city’s cultural diversity is celebrated through various festivals and events, such as the Minnesota Fringe Festival and the MayDay Parade, offering residents ample opportunities for artistic and cultural engagement.

8. Pro: Strong sense of community

Minneapolis is known for its strong sense of community and civic engagement. Residents are often involved in neighborhood associations, community events, and local initiatives that promote a sense of belonging and collaboration. The city’s diverse neighborhoods, such as Uptown, Northeast, and Powderhorn, each have their own unique character and charm, fostering tight-knit communities where residents support one another. This strong community spirit enhances the quality of life and makes Minneapolis a welcoming place to live.

9. Con: Construction and roadwork

Minneapolis is undergoing significant development and infrastructure improvements, which can lead to frequent construction and roadwork. While these projects aim to enhance the city’s facilities and transportation networks, they can cause temporary disruptions and inconveniences for residents. Road closures, detours, and construction noise can impact daily life and commute times. Staying informed about ongoing projects and planning alternative routes can help mitigate some of these challenges.

10. Pro: Culinary diversity

Minneapolis features a diverse culinary scene, with a wide range of restaurants offering cuisines from around the world. From farm-to-table establishments and fine dining to food trucks and casual eateries, the city has something to satisfy every palate. Minneapolis is known for its craft beer scene, with numerous breweries offering locally brewed beers. Additionally, food festivals, such as the Twin Cities Burger Battle and the Minnesota State Fair, showcase the city’s culinary creativity and provide opportunities for residents to explore new flavors.

Popular restaurants in Minneapolis

Spoon and Stable
Hai Hai
The Bachelor Farmer
Young Joni
Surly Brewing Company

11. Con: Limited public transportation options

While Metro Transit provides essential bus and light rail services, the public transportation system in Minneapolis is limited compared to larger metropolitan areas. The city has a transit score of 55, a walk score of 71, and a bike score of 83. While biking and walking are viable options for many residents, those who rely on public transit may find the system lacking in convenience and coverage, particularly in suburban areas. Investing in a personal vehicle is often necessary for more extensive commuting.

12. Pro: Healthcare facilities

Minneapolis is home to several top-notch healthcare facilities, offering high-quality medical care to residents. The city has a number of renowned hospitals and clinics, including the University of Minnesota Medical Center, Abbott Northwestern Hospital, and Hennepin Healthcare. These institutions provide comprehensive healthcare services and are known for their research and innovation in medical treatments. Access to excellent healthcare enhances the overall quality of life for residents.

13. Pro: Sports and entertainment

Minneapolis has a vibrant sports scene, with professional teams in football, baseball, basketball, and hockey. Residents can cheer on the Minnesota Vikings (NFL), the Minnesota Twins (MLB), the Minnesota Timberwolves (NBA), and the Minnesota Wild (NHL). The city’s sports venues, such as U.S. Bank Stadium and Target Field, host a variety of events, including concerts and other entertainment. Additionally, Minneapolis has numerous theaters, music venues, and art galleries, providing a rich array of entertainment options for residents.

Apache is functioning normally

July 13, 2024 by Brett Tams

Known for its the Outer Banks and the majestic Blue Ridge Mountains, North Carolina captivates visitors with its diverse landscapes and charming coastal towns. From the bustling streets of Charlotte to the historic architecture of Asheville, there’s a unique experience around every corner. Whether you’re considering renting a home in Raleigh, looking to settle into an apartment in Durham, or just planning a visit, you’ll soon find that North Carolina has much more to offer than meets the eye. Let’s dive into what makes this state so special and why so many proudly call it home.

1. The Blue Ridge Parkway

The Blue Ridge Parkway, often called “America’s Favorite Drive,” stretches 469 miles through North Carolina and Virginia. This scenic roadway offers breathtaking views of the Blue Ridge Mountains making it a popular destination for road trips. People driving the parkway can stop to enjoy a hike one of the numerous nearby trails, such as the Linville Falls and Craggy Gardens trails. These trails provide stunning vistas and opportunities to experience the region’s natural beauty. Additionally, the Parkway features visitor centers, picnic areas, and historic sites.

2. The Outer Banks

North Carolina’s Outer Banks are a top destination known for their pristine beaches, historic attractions, and unique wildlife. Visitors can explore the Wright Brothers National Memorial in Kitty Hawk, where the first powered flight took place. Additionally, the Cape Hatteras National Seashore offers picturesque lighthouses and excellent opportunities for water sports like surfing, kiteboarding, and fishing. Many locals escape to the Outer Banks to enjoy a relaxing getaway in the peaceful atmosphere.

3. Asheville’s arts and music scene

Asheville is recognized for its dynamic arts and music scene. The city’s River Arts District features numerous studios and galleries where people can watch artists at work and purchase unique pieces. Additionally, Asheville hosts several music festivals throughout the year, such as the LEAF Festival and the Asheville Symphony. Furthermore, Downtown Asheville is packed with live music venues, including The Orange Peel, known for hosting top national and international acts.

4. North Carolina barbecue

North Carolina is famous for its distinctive style of barbecue, characterized by slow-cooked pork and tangy vinegar-based sauce. The state boasts a strong barbecue tradition, with establishments like Lexington Barbecue and Skylight Inn serving up this delicious dish. Additionally, the annual Lexington Barbecue Festival celebrates this culinary heritage with cooking competitions, tastings, and live entertainment. With its deep-rooted history and mouthwatering flavors, North Carolina barbecue is a must-try for anyone visiting the state.

Fun facts North Carolina is famous for

First in flight: North Carolina holds the site of the Wright brothers’ first successful powered flight in 1903 at Kitty Hawk.
Mysterious Roanoke colony: The state is home to the site of the Lost Colony of Roanoke. This historic area is where an entire English settlement mysteriously vanished without a trace, sparking centuries of intrigue and speculation.
Birthplace of Pepsi: The famous soft drink Pepsi was invented in New Bern, NC by pharmacist Caleb Bradham in 1893.

5. The Biltmore Estate

The Biltmore Estate in Asheville is the largest privately-owned home in the United States, featuring 250 rooms, expansive gardens, and a winery. Patrons can tour the lavishly decorated rooms, explore the gardens designed by Frederick Law Olmsted, and enjoy wine tastings at the estate’s winery. The Biltmore Estate also hosts seasonal events, such as the Candlelight Christmas Evenings, add to the estate’s charm.

6. Great Smoky Mountains National Park

Great Smoky Mountains National Park is situated along the border between North Carolina and Tennessee. It’s one of the most visited national parks in the United States, offering over 800 miles of hiking trails including the famed Appalachian Trail. These trails provide stunning vistas, diverse wildlife, and lush forests. While visiting, you can enjoy activities such as camping, fishing, and exploring historic buildings from early settlers.

7. Research Triangle Park

Research Triangle Park (RTP) is one of the largest and most prominent research parks in the world. It’s located between Raleigh, Durham, and Chapel Hill and is home to over 300 companies specializing in fields such as biotechnology, pharmaceuticals, and information technology. The area attracts top talent, thanks to its proximity to major universities like Duke University and North Carolina State University. RTP fosters innovation and collaboration, driving economic growth and technological advancements within the state.

8. Charlotte Motor Speedway

Charlotte Motor Speedway in Concord is a premier destination for motorsports enthusiasts. This iconic track hosts major NASCAR events, including the Coca-Cola 600 and the NASCAR All-Star Race. The speedway offers a variety of experiences, from guided tours of the track and to high-speed driving opportunities where fans can drive a race car. Additionally, the adjacent zMAX Dragway and the Dirt Track add to the excitement, providing several thrilling destinations for people of all ages.

9. Bluegrass and folk music traditions

North Carolina has deep-rooted bluegrass and folk music traditions, which continue to thrive in communities across the state. The state has produced legendary musicians like Earl Scruggs and Doc Watson, who have left a lasting impact on the genre. Festivals such as MerleFest in Wilkesboro and IBMA’s World of Bluegrass in Raleigh showcase top bluegrass, folk, and Americana artists. These events celebrate the tradition of bluegrass music, offering performances, workshops, and jam sessions for lovers of this genre.

Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.

Source: rent.com

Apache is functioning normally

July 9, 2024 by Brett Tams

Social Media Compliance, Client Retention; Freddie/Fannie Changes; Square Footage Stats

This website requires Javascrip to run properly.

Social Media Compliance, Client Retention; Freddie/Fannie Changes; Square Footage Stats

By:
Rob Chrisman

Mon, Jul 8 2024, 11:48 AM

During a recent password audit, it was found that a blonde was using the following password: “MickeyMinniePlutoHueyLouieDeweyDonaldGoofySacramento”. When asked why such a long password, she said she was told that it had to be at least 8 characters long and include at least one capital. What’s today? It’s “change every password you have” day. Money is the focus of a lot of evil activity on the internet (look at credit union Patelco), but what about useful, constructive monetary activities? Location, location, location. What new home buyers get for their money varies by region. The median price and square footage of new single-family homes sold in 2023, according to the Census Bureau, was $760,700 and 2,430 square feet in the Northeast, $396,300 and 2,172 square feet in the Midwest, $388,800 and 2,335 square feet in the South, and $536,200 and 2,170 square feet in the West. (Today’s podcast is found here and this week’s is sponsored by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender, uniting the people, systems, and stages of the mortgage process. Hear an interview with Candor’s Mark Hinshaw on expectation versus reality when it comes to AI in the mortgage industry.)

Lender and Broker Software, Services, and Products

With high interest rates keeping more people in their homes, new revenue opportunities will come from places that don’t fit the typical servicer playbook. ICE has identified four key areas where technology can help set servicers up for success in today’s low-movement housing market. Explore how you can retain customers, capitalize on your existing portfolio, and streamline your back office in ICE’s complimentary new white paper, Technology helps servicers find opportunities in unusual places.

ActiveComply is excited to be part of the Mortgage Bankers Association’s RegTech Demo Day event on Thursday, July 11th at 12:00pm ET. Register to see the latest technologies, services, and insights from leading technology providers in the industry. This session is specifically for compliance professionals, legal counsel, and risk officers, among others. See high-level overviews of vendor technology that may provide value to your organization and help you succeed in an increasingly complex and competitive environment. See how ActiveComply identifies other language advertising as part of your LEP initiatives, consumer complaints on social media, & brand reputation concerns current events and political movements (just in time for an election year). Don’t miss these power-hour sessions designed to help decision-makers clarify the rapidly changing mortgage tech ecosystem. This event, normally priced at $399.00, is free to MBA members. Register today!

Winning Agent Business: The lender’s guide to building a strong referral network updated for 2024. The new rules mandated by the NAR settlement go into effect August 17th. That means agents are more incentivized than ever to show their clients value—and they’re actively looking to partner with top-tier lenders in their market. Want to take advantage and grow your referral business? Maxwell just updated its Winning Agent Business eBook with new tips straight from agents to help you better network to create a strong funnel of referral leads. Download your free copy to learn qualities agents value in their lending partners, networking dos and don’ts, ways to become a go-to lender, and more.

Agency News and Updates

Freddie Mac published the company’s annual Sustainability Report, which provides details about the company’s 2023 sustainability strategy, activities and performance. The report also includes the company’s Sustainability Accounting Standards Board (SASB) Index and Metrics for the years 2021-2023, as well as a Taskforce on Climate-Related Financial Disclosures (TCFD) Index.

Many families are looking into properties with ADUs for multi-generational living to offset rising housing expenses. Others are seeking a balance between caregiving for aging parents and providing a space for privacy and independence. Whatever the reason, ADUs have been on the rise. Many borrowers are looking to purchase or refinance homes with these units or build one on their existing property. Approximately one quarter of borrowers and homeowners that show interest in ADUs are caregivers or anticipate being a caregiver. Learn more about the benefits Freddie Mac offers for financing ADUs.

In recognition of National Homeownership Month, Freddie Mac is encouraging borrowers to benefit from CreditSmart® Homebuyer U, a free course within Freddie Mac’s CreditSmart ® suite of educational resources. It’s designed to empower them with skills and knowledge.

Freddie Mac updated Stable Monthly Income FAQ for Employed Income Calculation with a new question (Q5) concerning calculating the income average for fluctuating hourly earnings and/or additional employed earnings (e.g., bonus, overtime, tips) if there is an occurrence that prevented the borrower from working and/or earning full income for a period of time.

Freddie Mac Single-Family Seller/Servicer Guide (Guide) Bulletin 2024-9 announces updates pertaining to rental income requirements to provide additional flexibility. Shared amenities requirements for residential projects. Aligning the Guide with treatment of documentation provided, but was not required, in Freddie Mac’s quality control review.

Fannie Mae is continuing its work with Freddie Mac to create standardized subordinate documents, publishing documents for Ohio, New Jersey, and Pennsylvania. Learn about efforts to expand access to down payment assistance.

Fannie Mae issued a Request for Proposal (RFP) to evaluate qualified interested industry participants for potential inclusion in its Title Acceptance pilot and other suppliers that have viable solutions to reduce borrowers’ closing costs. Vendors can respond to the RFP in ProcureOne. The RFP market interest period closes on July 26, 2024.

Fannie Mae posted the June Appraiser Quality Monitoring (AQM) list to Fannie Mae Connect™. The monthly list will also be available on the AQM page through July 30, 2024, when Fannie Mae Connect will be required for viewing.

FHFA published updated aggregate statistics from the National Mortgage Database (NMDB®) and launched the NMDB Aggregate Statistics Dashboard, a new data visualization tool for the NMDB Outstanding Residential Mortgage Statistics. The release describes outstanding residential mortgage debt at the end of the first quarter of 2024. FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics has been posted.

Capital Markets

There was plenty of economic data released over last week’s holiday-shortened week. The U.S. economy is based on jobs and housing, and last week it was jobs’ turn to be center stage. The focus was on employment stats for June which saw nonfarm payrolls increase by 206k in June. Despite the increase, the previous two months were revised down by a combined 111k which brought the average increase over the second quarter to 176k per month. The unemployment rate rose from 3.96 percent to 4.05, the first time above 4 percent since January 2022. Labor force participation also increased slightly.

As the labor market continues to become more balanced the upwards pressure on wages has eased and average hourly earnings were down 0.2 percentage points on a year-over-year basis to 3.9 percent. The other major data out last week was the Institute of Supply Management indices which both came in below economists’ expectations. The Personal Consumption Expenditure deflator eased to 2.6 percent over the last twelve months in May as well. Sustained easing of inflation as well as a looser job market bode well for a potential rate cut in September. Following last week’s data, the odds of a cut in September are nearly three-in-four.

This week’s economic calendar includes some Treasury auctions of notable duration (3-year, 10-year, 30-year), May Wholesale Inventories, CPI and PPI, as well as preliminary July University of Michigan Consumer Sentiment. The only data point on today’s calendar is May Consumer Credit, due out this afternoon. We begin the 5-day work week with Agency MBS prices little changed from Friday, the 10-year yielding 4.29 after closing Friday at 4.27 percent, and the 2-year at 4.62.

Jobs

Seeking growth capital, equity, debt, or strategic alternatives? An IMB consultant with 34 years of executive management experience in the mortgage space is available to support your efforts! E-mail industry veteran Steve Landes for more information on helping you grow your business.

Top Producing Loan Officer Alex Rayner Partners with Service First Mortgage to Launch Haymaker Home Loan! Alex Rayner has partnered with Service First Mortgage to launch Haymaker Home Loans, a company dedicated to supporting top producers. “This collaboration provides access to cutting-edge technology, products and services, ensuring loan officers thrive in a competitive industry,” Rayner said. Earning an MBA from the University of Houston, Alex is dedicated to providing exceptional service. His industry acumen and skill with client relations set him apart. For loan officers looking to start their own mortgage company, Rayner advises exploring options with Service First Mortgage. “Starting a mortgage company from scratch is a daunting task,” Rayner said. “By partnering with Service First Mortgage, you gain immediate access to essential resources, advanced technology, and a support team. This allows you to focus on what you do best, e.g., originating loans and serving clients, without the overhead and operational challenges of building a company from the ground up.” Inquiries should be directed to James Wallace!

“ACC Mortgage is coming off its 2nd best month in its 25-year history. 2024 is shaping up to be our best year ever! How many mortgage companies can claim that? Are you planning for your next 25 years? ACC is seeking four (4) well-qualified Account Executives or a team that is looking for support, pricing, culture and stability. ACC makes Non-QM easy. Recent articles discuss ACC’s vision. For example, ACC’s Senko talks non-QM outlook! Send a resume for confidential interview.“

Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

Apache is functioning normally

July 7, 2024 by Brett Tams

Quick menu

Create unforgettable spaces with the best interior design software. Whether you’re a professional interior designer or a home design enthusiast, these are the top tools for bringing 2D and 3D spaces to life.

Our expert team of reviewers have tested the best architecture software or the best 3D modeling software, so we know what you want to check out when choosing your next interior design app, and which ones really measure up.

best landscape design software for crafting eye-catching exterior spaces.

The best interior design software of 2024 in full:

Why you can trust TechRadar

We spend hours testing every product or service we review, so you can be sure you’re buying the best. Find out more about how we test.

Below you’ll find full write-ups for each of the entries on our best interior design software list. We’ve tested each one extensively, so you can be sure that our recommendations can be trusted.

The best interior design software overall

(Image credit: Floorplanner)

Best interior design software overall

Specifications

Operating system: Browser

Plan: Free, Subscription

Reasons to buy

Free plan available

Intuitive and easy to use

Broad use from interior designers to real estate

Numerous customization options

Reasons to avoid

–

Some limitations with the free account

–

No desktop app

Floorplanner is an online interior design app for individuals and companies, letting you redesign everything from a single room to an entire floor, or even a whole building. You can also plan out how your furniture will fit in your new home.

This is a web-based home interior design tool, so you can achieve dazzling designs through the browser. There’s also online collaboration for editing and presenting projects in the cloud.

In our hands-on review, we felt the best home design software “is an excellent online service, designed to help you create rooms and furnish them with great accuracy. Working with it is fluid and easy, and we didn’t observe any discernible glitches. The fact there’s a free option means many amateur designer will happily use it to configure a room, but there are limitations to that option.”

Working in Floorplanner is fluid and simple – allowing you to create and furnish rooms with real accuracy. Best of all, if your needs are modest, using the program is free.

That makes it ideal for amateur designers or those learning the art of interior design. If you find the free account too limiting, there are several subscription options available to you. Business pricing starts at $59 a month for teams. Individual pricing starts at $5. You’ll also find a credit system. As you earn credits, you can unlock extra features not typically associated with your plan.

It’s all browser-based designing, however, so needs a constant inter connection. There is an Android app available, but this is designed for presenting designs created on the website.

Read our full Floorplanner review.

The best interior design software for architects

(Image credit: Chief Architect)

Best interior design software for architecture

Specifications

Operating system: Windows, macOS

Plan: Subscription, Perpetual license

Reasons to buy

Easy to learn

Multi-platform

Limitless possibilities

Reasons to avoid

–

Can appear daunting at first

–

3D views don’t always respond as expected

Home Designer Suite delivers professional-style interior design software – which makes it powerful but also increases the learning curve. It’s not too steep as to be unnavigable, although it might overwhelm first-timers. Stick with it.

If you’re looking for meticulous planning, precise editing and customizing tools, and everything else, right down to the material required for specific jobs, this is the best interior design software for you.

We praised the home design software in our review for its “highly detailed customisation options while at the same time, automating many processes to ease the creation process. It’s a great balance that help you create detailed environments quickly and easily.”

The interior design program is very full featured. You have full control over pretty much everything, including landscaping your dream garden. Despite its apparent complexity, there are many automatic tools that do a lot of the work for you, enabling you to focus on the details, to turn a design into a house.

Available for both Mac and Windows, you have in your digital hands everything you need to build the home of your dreams.

Read our full Home Designer Suite review.

The best interior design software for indoor/outdoor spaces

(Image credit: NCH Software)

Best interior design software for indoor and outdoor spaces

Specifications

Operating system: Windows, Mac

Plan: Subscription, Perpetual license

Apache is functioning normally

June 29, 2024 by Brett Tams

Mission Score Execution, Pet-Centric Marketing, Website Compliance Tools; STRATMOR on Refi Biz; Webinars and Events

This website requires Javascrip to run properly.

Mission Score Execution, Pet-Centric Marketing, Website Compliance Tools; STRATMOR on Refi Biz; Webinars and Events

By:
Rob Chrisman

Thu, Jun 27 2024, 11:55 AM

“What did people from the Midwest call a small can of pop? A Minnesota.” (Say it out loud to your 3^rd grader.) While we’re on a “pop,” lenders in the nation’s midsection are cheering the numbers as large cities in the Northeast and Midwest popped in 2023, reversing earlier population declines, according to Vintage 2023 Population Estimates from the U.S. Census Bureau. The South still rocks, however. Cities with populations of 50,000 or more grew by an average of 0.2 percent in the Northeast and 0.1 percent in the Midwest after declining an average of 0.3 percent and 0.2 percent, respectively, in 2022. Those in the West went up by an average of 0.2 percent from 2022 to 2023. Cities in the South grew the fastest, by an average of 1.0 percent, and 13 of the 15 fastest-growing cities were in the South, with eight in Texas alone. (Today’s podcast is found here and this week’s is sponsored by Candor. Candor’s authentic Expert System AI has powered more than 2 million flawless, hands off underwrites. Every credit risk decision Candor makes is backed by a warranty, eliminating repurchase worries. Hear an interview with American Pacific’s Bill Lowman on motivating people, change management during M&A, and retaining origination staff.)

Software, Products, and Services for Lenders and Brokers

With Truv, Revolution Mortgage saves 70 percent on verifications (+5 BPS savings per loan). What does Femi Ayi, EVP Operations, Revolution Mortgage, have to say about Truv? “Since we started our partnership, we’ve taken our costs for verifications from 8 basis points per loan down to 3 basis points per loan.” Truv has helped hundreds of lenders, from the biggest banks, IMBs, and Credit Unions, to the smallest, greatly improve their income, employment, asset, and insurance verifications strategy. You could be one of them: Get started!

ActiveComply, a leader in social media monitoring and virtual office inspections for the financial industry, recently announced that it has officially launched its highly anticipated website monitoring tool: WebCompass. WebCompass will automatically Discover custom employee websites, co-marketing pages, corporate websites, blog posts, news articles, event pages, and other brand mentions. Similar to ActiveComply’s social media monitoring tool used by many institutions today, ActiveComply’s WebCompass tool will not only monitor for compliance and brand reputation concerns, but will also scan for ADA compliance, SEO scoring, provide automated archival to meet record retention requirements, and more. WebCompass is leveraged by financial institutions for ongoing monitoring of corporate and employee-controlled websites alike. Learn more about managing your compliance confidently with ActiveComply or schedule a demo today to see real findings for your institution.

“PDF Insights and Thumbprint® are a powerful combination that helps lenders streamline their loan analysis, speed up their underwriting, and enhance fraud prevention, helping them get to “Yes” or “No” faster and more confidently. Our product is well-suited for alternative mortgage and commercial lenders who rely on bank statements to underwrite loans. MoneyThumb’s tools are faster, more accurate, and significantly lower cost than other solutions. Plus, our customer service is second to none and we don’t require contracts. PDF Insights is a comprehensive financial document evaluation and data extraction tool that enables mortgage lenders to process and analyze hundreds of pages of bank statements accurately and in under 5 seconds. Our patent-pending fraud detection tool, Thumbprint®, uses AI algorithms and machine learning to evaluate and score the authenticity of PDF bank statements. Each document is given a fraud score from 1 to 1000 that indicates the likelihood of fraud.”

Picture this… your borrower completes their mortgage application and shortly after, receives a text asking if they have any pets. When the loan closes, their furry friends get a welcome package including new customized pet tags featuring your brand. The best part? Operation Fido runs automatically from Encompass® by ICE Mortgage Technology™ and you don’t even have to lick the envelope! What would you spend to deliver that kind of joy to your borrower?

STRATMOR on Preparing for the Tough-to-Find Refis

“Rising tides lift all boats.” And many lenders believe that the next wave of refinances will be the surge they need to lift their business back above water. However, some of them may be wrong. In STRATMOR Group’s June Insights Report Senior Partner Garth Graham explains why. “The latest industry forecast predicts a rising tide of refinancing, but there are reasons that the coming wave, when it appears, will be very different from the past,” says Graham. “The typical mortgage banking firm has been taking on water, with the industry showing losses for eight quarters. Many have been selling off servicing rights and stopped retaining servicing on new production because they need the cash. This will put them at risk because while having the cash is good, it also means you have likely sold off the client relationship and the potential refinance when the rate drops in the future.” Check out STRATMOR’s June InFocus article, “Why a Refi Wave Won’t Save Every Lender and How to Prepare,” for more from Garth on what smart lenders are doing now to ensure they survive and thrive when the market improves.

Events, Training, and Webinars

A good place for longer term conference planning is to start is here for in-person events in the future.

Today will be another episode of The Big Picture at 3PM ET… Rich Swerbinsky is interviewing Tabrasa’s Bill Bodnar about the economy and its impact on lenders

Join A&D Mortgage today for an exclusive webinar designed for mortgage brokers and broker owners. Titled “Next-Level Brokerage: Harnessing the Power of Self-Securitizing Lenders,” this session, in collaboration with Jared Neale, Associate at Imperial Fund, will explore the significant benefits of partnering with self-securitizing lenders. Discover how these partnerships can streamline your operations, enhance service offerings, and drive business growth.

Tonight, in San Francisco, CAMP presents, “An Evening with Rob Chrisman.” It should be a fun, informal event if you’re in the area!

Tomorrow, Friday the 28^th, will see an episode of The Mortgage Collaborative’s Rundown with Melissa Langdale and me covering current events in the mortgage market for 30 minutes starting at noon PT, 3PM ET. Tomorrow features Dan Cantinella, Chief Lending Officer for Total Expert.

Class Valuation is hosting a webinar on Friday, June 28, titled “Navigating New Reconsideration of Value (ROV) Requirements for Lenders.” Expert panelists will provide a clear and actionable guide to understanding what changes need to be made and how to make them. You will learn the impact of the new ROV guidelines on lenders, how the borrower-initiated ROV process works, and your responsibilities as a lender under the new guidelines.

Next week is July already…

National MI upcoming July 2024 webinar sessions. Leading a Teamwith Andrew Oxley – July 11th at 2pm ET. How to Plan and Attack the Week for Loan Officers with Dr. Bruce Lund – July 18th at 1pm ET. Become an Open House Success Partnerwith Rebecca Lorenz – July 23rd at 1pm ET. Mortgage Industry Updates Impacting the Balance of 2024 and Beyond with Scott Weghorst, July 25th at 2pm ET.

Newrez Correspondent offers a comprehensive training curriculum on Newrez products and processes, to keep your staff informed of the latest developments in products, technology solutions, compliance issues and process improvements. Each of these programs is offered by its training and development staff on a monthly basis and is updated regularly to reflect recent changes in the industry.

Tuesday the 2nd at 11am PT, two veteran LOs discuss all things mortgage with Industry Leaders. Mortgage Pros 411 with Audrey Boissonou and Kevin Casey.

Now Next Later Mondays at 10 a.m. PT/1 p.m. ET (45 minutes). Hosted by Jeremy Potter and Sasha Stair. Now Next Later is a show intended to provoke thoughtful challenges to the assumptions and strategies common to the housing finance industry. The show believes that looking at the mortgage businesses from a different perspective is critical to staying ahead of constant changes. The show’s goal is to get to better answers by asking better questions. Join each week for new insight and perspective on some of the industry’s most persistent problems. The show includes expertise in product development, go-to-market, data analytics and innovation, and answers well to the high expectations we’ve set for ourselves and our colleagues.

The Last Word Fridays at 10 a.m. PT/1 p.m. ET with two of the following four hosts. Kevin Peranio, Brian Vieaux. The Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Hosted by industry veterans, the show delivers expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve. The show offers a comprehensive and engaging analysis of the week’s most important mortgage industry news, providing viewers with the knowledge and insights they need to make informed decisions in a rapidly changing market.

SAVE THE DATE for NMMLA’s upcoming event, The current and future state of Digital Mortgages, on Wednesday, July 10 at 11:00 AM.

The Ultimate Mortgage Expo returns to New Orleans July 10 – 11 and it’s bigger and better than ever before. Join OCN in the beautiful and historic Hotel Monteleone for a jam-packed event featuring 2 days of sessions and 2 days of exhibition hall opportunity. Also, come earlier on July 10 to enjoy complimentary access to the Mortgage Star Conference for women. Enjoy free access to this can’t-miss event using the code OCNFREE.*

MSR holders know that a great subservicing relationship can help reduce costs, lower delinquency rates, and improve borrower relationships. But the fear of a rocky transfer process keeps many from realizing all these benefits. Join Servbank’s cohosted webinar with the Mortgage Bankers Association on July 11 at 1-2p ET to learn how handling thousands of service transfers has gotten Servbank’s transfer plan down to a science. With a battle-tested plan and a laser-focus on customer experience, the painless service transfer is a reality. Register for the webinar today! The webinar is free for non-members by creating an account and entering the campaign code “SERVBANK100” at checkout.

Join ACES EVP, Nick Volpe and ACES President, Phill McCall on July 17, 11:00 AM – 11:45 AM PDT for a QC NOW webinar as they take a deeper dive into these analytics and how it aligns with the current state of the industry and how to best navigate through the volatile financial landscape.

Monday, 5 August 9:00 AM – Tuesday, 6 August at 6:00 PM PDT join the California Association of Mortgage Professionals on August 5th -August 6th for our Annual Summer CAMP at Hyatt Regency Newport Beach, 1007 Jamboree Road, Newport Beach, California.

Capital Markets

Have you heard about the Fannie Mae Mission Score product grids? MCT announced today that they are the first to integrate with the Mission Score API, which empowers originators to take advantage of market incentives for mission-oriented lending. “Fannie Mae changed the market in 2016 by bringing spec programs to the cash window,” said Phil Rasori, COO of MCT. “Now they have done it again by pushing the Mission Score pay-ups available on the securitization side toward front-end borrower pricing.” Learn how you can improve margins and price competitiveness in the upcoming webinar featuring Olga Gorodetsky, Director, Capital Markets at Fannie Mae as well as Phil Rasori of MCT.Pete Skarnulis, Single-Family Business Account Management Solutions – Vice President at Fannie Mae, shared, “through close partnership and collaboration with our industry partners, we’re able to introduce innovative solutions to the market at scale, helping to promote positive change across the mortgage industry.”

When I’m asked about the FHFA encouraging the “release” of Freddie Mac and Fannie Mae from conservatorship, I ask, name one government agency that voluntarily ceased operations. The Federal Housing Finance Agency (FHFA) released the latest report on the sale of non-performing loans (NPLs) by Fannie Mae and Freddie Mac (the Enterprises). The Enterprise Non-Performing Loan Sales Report includes sales information about NPLs sold through December 31, 2023. Borrower outcomes reflect NPLs sold through June 30, 2023. This report shows that the Enterprises sold 168,364 NPLs with a total unpaid principal balance (UPB) of $30.9 billion from program inception in 2014 through December 31, 2023. The loans included in the NPL sales had an average delinquency of 2.8 years and an average current mark-to-market loan-to-value (LTV) ratio of 83 percent (not including capitalized arrearages).

While chatter about the Fed and its decisions does have slight bearing on overall mortgage rate movement, events directly tied to the housing market are of arguably higher importance to readers of this commentary. We learned yesterday that the New Home Sales report for May missed expectations, coming in at 619k versus 650k expectations. New home sales fell 11.3 percent month-over-month to the weakest pace in six months as the new home market has softened recently alongside higher mortgage rates, increased availability of existing homes, and moderating economic growth.

Despite hawkish tones continuing to emanate from the Fed, Treasury security prices have rebounded recently due to bets that cooling prices will convince the Fed to cut rates sooner, and by more, than officials have signaled. More accommodative conditions are at odds with recent Fed rhetoric suggesting it’s still too early to consider policy easing. However, hope springs eternal, and investors continue to price in nearly two full 25 basis point rate cuts for the year, including a nearly 60 percent chance of a cut in September. As a reminder, the Fed’s latest dot-plot predicted one 25 basis point cut in 2024.

Today sees a busy calendar in terms of data and supply, and is already under way with the final look at Q1 GDP +1.4 percent (versus expectations of 1.1 percent), durable goods orders for May was +.1 percent (when it was supposed to be unchanged at +0.6 percent), weekly jobless claims (233k), and core PCE. Later today brings pending home sales for May, KC Fed manufacturing, several Treasury auctions that will be headlined by $44 billion 7-year notes (after yesterday’s solid $70 billion 5-year note sale), and Freddie Mac’s Primary Mortgage Market Survey. Before the open, Sweden’s Riksbank held rates steady, but forecast two to three rate cuts for later this year. We begin Thursday, after the salvo of numbers, with Agency MBS prices roughly unchanged from Wednesday’s close, the 10-year yielding 4.31 after closing yesterday at 4.32 percent, and the 2-year at 4.73.

Jobs and Transitions

This week, Lower, LLC announced the hiring of industry veteran Craig Montgomery in the role of Chief Strategy Officer. This move signifies a milestone moment in the company’s history as they have added another all-star industry leader to their executive team. In their release, Co-Founder & CEO Dan Snyder commented, “Getting someone with Craig’s experience and proven track record is a big win for the company.” Adding to the celebration, Randell Gillespie, Chief Production Officer for Lower, also commented, “Craig is a consummate pro with a reputation born from success and he is a stellar fit for the Lower community. Couldn’t be more thrilled for him to join our team!” When asked about his transition, Montgomery stated, “I’m so impressed by the Lower platform. I know what originators need to achieve the success they desire… and Lower has it.” Visit Join.Lower.Company for more information about “Life at Lower” and available growth opportunities.

“Join our family-owned Midwest lender as an Account Executive! Operating in 40+ states with a wide-open territory and unlimited growth potential. Ideal for seasoned mortgage pros, or those looking to break into Wholesale Sales. Enjoy competitive pay, benefits, and a supportive team environment. Develop new business opportunities, build strong client relationships, and deliver exceptional service. Interested? Please submit your confidential resume to Chrisman LLC’s Anjelica Nixt for forwarding.”

“Leadership changes for Chase Correspondent Lending! Chase Correspondent Lending is a relationship-driven, forward-looking investor focused on helping our clients and the communities we serve. Kim Salvo, our East Division Manager and a 33-year veteran of Chase, retired in May. We thank Kim for her years of service and wish her the best. With Kim’s departure, we’re excited to announce several changes to our Client Management Leadership team. Effective July 1, Tim Yezbick, current CFO for Correspondent Lending, will be our new East Division Manager. Lisa Plaien, current Director of Client Strategy & Support, will now lead our newly formed Central Division. Chris George will continue as our West Division Manager. Lisa, Tim, and Chris will report to our Head of Client Management, Bhavesh Patel. Please join us in congratulating our new leaders who will continue our commitment to providing a best-in-class experience for our clients. Visit us at www.chaseb2b.com.”

(Remember: employers can view posted resumes for several months for a nominal charge and job seekers can post their resumes for free on www.lendernews.com.)

Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

Fast facts about living in Oakland

1. Pro: Rich cultural scene

2. Con: High cost of living

3. Pro: Strong job market and innovation hub

4. Pro: Outdoor recreational activities

5. Con: Traffic and parking

6. Pro: Culinary diversity

7. Con: Earthquake risk

8. Pro: Public transportation

9. Pro: Strong sense of community

10. Pro: Vibrant arts scene

Fast facts about living in Austin

1. Pro: Thriving music scene

2. Con: High housing costs

3. Pro: Strong job market

4. Con: Hot summers

5. Pro: Affordable cost of living

6. Pro: Outdoor recreational activities

7. Pro: Culinary diversity

8. Con: Limited public transportation options

9. Pro: Cultural and arts scene

10. Pro: Strong sense of community

11. Con: Rising property values and housing demand

12. Pro: Sports and entertainment

Fast facts about living in Minneapolis

1. Pro: Affordable cost of living

2. Con: High property taxes

3. Pro: Robust economy

4. Con: Harsh winters

5. Pro: Abundance of green spaces

6. Con: Limited housing inventory

7. Pro: Rich cultural scene

8. Pro: Strong sense of community

9. Con: Construction and roadwork

10. Pro: Culinary diversity

11. Con: Limited public transportation options

12. Pro: Healthcare facilities

13. Pro: Sports and entertainment

1. The Blue Ridge Parkway

2. The Outer Banks

3. Asheville’s arts and music scene

4. North Carolina barbecue

Fun facts North Carolina is famous for

5. The Biltmore Estate

6. Great Smoky Mountains National Park

7. Research Triangle Park

8. Charlotte Motor Speedway

9. Bluegrass and folk music traditions

Social Media Compliance, Client Retention; Freddie/Fannie Changes; Square Footage Stats

Option 1: Copy and send this link

The best interior design software of 2024 in full:

The best interior design software overall

Specifications

Reasons to buy

Reasons to avoid

The best interior design software for architects

Specifications

Reasons to buy

Reasons to avoid

The best interior design software for indoor/outdoor spaces

Specifications

Reasons to buy

Reasons to avoid

The best browser-based interior design software

Specifications

Reasons to buy

Reasons to avoid

The best interior design software for mobile

Specifications

Reasons to buy

Reasons to avoid

Best interior design software: FAQs

What is interior design software?

How we test the best interior design software

Get in touch

97% of consumers search for local businesses online, and 78% of marketers report that digital marketing significantly increases business revenue. If you’re not leveraging digital marketing in today’s mortgage landscape, you’re missing out on a significant opportunity.

The current landscape

Why it’s complicated

Key questions to consider

Answers to these questions