Small Luxury Hotels of the World (SLH) is a collective of high-end properties that meet high standards for service and style. There are more than 500 boutique hotels in 90 countries that make the grade.
SLH will not become one of the many Hilton Honors brands, but the strategic partnership between the two unlocks the door to significantly more luxury properties than are currently in the Hilton portfolio.
For now, the details of using Hilton elite status benefits and credit card perks at SLH properties are still being ironed out, but Hilton members will soon be able to earn and redeem points at the participating luxury hotels.
What happens to the World of Hyatt partnership?
As Hilton Honors ramps up its partnership, World of Hyatt will end its connection with SLH. This comes on the heels of Hyatt’s new acquisition of travel club platform Mr. & Mrs. Smith, which gives World of Hyatt members plenty of opportunity to earn and redeem points at more than 1,500 luxury properties. Hilton will have an exclusive partnership with SLH.
9 Small Luxury Hotels of the World properties to look forward to booking with Hilton points
To book these new hotel options, Hilton Honors members can use any of Hilton’s traditional reservations channels to book a stay at participating SLH hotels. This includes earning and redeeming points, which multiply when you use a Hilton Honors co-branded credit card.
Hilton Honors is also a transfer partner of AmEx Membership Rewards. No matter which credit card you use, these are some of the exciting SLH options that may participate in the Hilton Honors partnership.
1. The Principal Hotel, Madrid
Along the famous Gran Via, this hotel is close to popular shopping, theaters, nightlife, dining and tourist attractions like the Prado and Retiro Park.
Be sure to visit the one of the rooftop restaurants and bar for cocktails and tapas before heading out to a night on the town.
2. Inverlochy Castle, Scotland
Want to sleep in a castle? Hilton Honors points could be your chance. The 19th century Inverlochy Castle is in the Scottish Highlands where guests can slumber like royalty.
Other activities include fishing, hiking, mountain biking, golf and even a ride on the Hogwarts Express train of Harry Potter fame.
3. Hotel Excelsior, Dubrovnik, Croatia
Hugging the Adriatic Sea, this year-round hotel provides excellent views of the city’s famous Old Town (which was used for filming King’s Landing in “Game of Thrones”) and the popular island of Lokrum across the bay.
Instead of a traditional sandy beach, guests have a stone-lined deck from which they can take a dip in the water or lay back in the sun. There is a heated indoor pool and spa when the weather is not ideal for sitting by the sea.
4. Nimb Hotel, Copenhagen
Facing Tivoli Gardens, one of the oldest amusement parks in the world, this hotel looks like part of a fairytale. Not only is there a convenient rooftop pool and sun deck available for guests, but anyone that stays here enjoys free access to Tivoli Gardens when it is open.
5. Hemingways Nairobi
Hemingways Nairobi is a solid option for visitors either before or after a safari trip because of its location near Nairobi National Park. It has its own gardens offering tranquility from the city of Nairobi, one of East Africa’s bustling downtowns.
An outdoor swimming pool, massive guest rooms and plenty of green space are all less than 30 minutes from the city-center Wilson Airport, where many safari flights depart.
6. The Anam Mui Ne, Vietnam
Along the East Sea, this resort is similar to a Hawaiian getaway with beautiful sea views and two sparkling swimming pools.
The Vietnamese restaurant serves traditional regional recipes from around the country, and don’t miss the evening sundowner music and dance performances.
7. Viceroy Bali
This small, family-owned resort five minutes from Ubud is surrounded by rice fields and lush foliage ideal for guests looking for a wellness vacation, especially one focused on meditation and self-improvement.
Its 40 private villas offer oversized infinity pools, and local experiences include everything from a walk through the rice paddies to Balinese dance lessons and temple offerings.
8. Keswick Hall, Charlottesville, Virginia
This luxury resort overlooking the Blue Ridge Mountains in the Virginia countryside boasts renovated interiors, a new spa and a Jean-Georges’ restaurant.
History buffs will appreciate its proximity to Thomas Jefferson’s Monticello.
9. The Roundtree, Amagansett
In the Hamptons on Long Island, this boutique hotel provides respite from the bustle of New York City and puts visitors within reach of the Atlantic Ocean.
A beach buggy takes guests to the shore during the summer, but back at the property, there is a lot to do, too. This includes popcorn and s’mores by the fire pit, afternoon tea and cookies, biking around the area, golf, baking classes and wine tastings.
The accommodations are made up of rooms, suites and private cottages.
The Hilton Honors and SLH exclusive partnership recapped
Hilton Honors members have another option for earning and redeeming points now that there is an exclusive partnership between Hilton and Small Luxury Hotels of the World. As long as you make a reservation through a Hilton channel, SLH hotels now offer Hilton Honors members access to more than 500 boutique hotels around the world.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
There are plenty of trends that used to be mostly popular among the low-middle income people that changed when they became popular with rich people. Whether it is a band, a clothing style, or a hobby, nothing remains the same once wealth and status get involved. But what are some of the things that poor people loved before they were spoiled by the wealthy? Here, we look at 20 things that once brought joy to those without much money—until their newfound popularity caused them to be re-crafted as symbols of luxury and extravagance.
1. Industrial, Warehouse Apartments
One user shared, “Living in warehouses in the industrial, rundown side of town.”
Another user agreed and commented, “Yes! They tore down all the real lofts to build condos they call lofts.”
2. Etsy
“Etsy,” posted one user.
Another user commented, “There are SO many accounts for cheap stuff from China that you could get on many other websites as well. No, I come to Etsy for homemade stuff and to support artistic individuals.”
One user added, “Yep, I remember trying to avoid the temptation of Shein by almost buying some unique pearl belly dance waist chains from there for 20 dollars. Dear reader, they were from Shein, without the tags and with a hefty 200% price increase. Thank God for the reviewer who exposed them.”
3. Food banks
One Redditor unfolded the riches’ hack and posted, “Food banks. My local food bank put out a news article basically saying that rich people need to stop using the food bank as a ‘life hack’ to lower their grocery bills.”
One user grasped and commented, “OMG. That’s so evil. Some people really have no conscience.”
4. Living in Arty Neighborhoods
One Redditor shared, “Living in arty neighborhoods.”
Another user replied,” This is what I was looking for. Creative poor people have been investing in poor neighbourhoods forever. They use their talent to make it an excellent place they enjoy living in. The rich say, ‘Hey, I want to be cool, let’s buy this.’ And then they price the poor out of the haven they created and turn it into a stale, crowded, overpriced place. TL;DR—Gentrification”
5. Champion Brand Clothes
“Champion brand clothes. I had a lot when I was a kid because it was the cheapest possible, and now all that s- is considered ‘vintage,’” posted one user.
Another responded, “Reminds me of Fila and Puma.”
6. eBay
An online Redditor commented, “Ebay. It used to be so useful to get all kinds of cheap or unique things. Then more and more big commercial sellers joined the club, and eventually, eBay itself forgot about what and who made their platform a success in the first place.”
“I’ve had my eBay account since ’98 when you had to send physical checks/money orders through the mail. It felt like an online flea market or garage sale where you’d get to know certain buyers and sellers. Feedback was critical, and you never bid on something you didn’t plan to buy because any hit to your reputation was a huge deal.
“It was a nice little collecting community until they allowed resellers of knock-off goods in and turned the whole thing into another Amazon. I occasionally still sell collectibles, but the number of people who don’t bother paying is huge now. I miss old eBay,” stated one user.
7. Blue-Collar Residential Neighborhoods
One user also shared, “Blue-collar residential neighborhoods in the city.”
Another user commented, “Yes! This is my answer, too. Not just houses in general but poor neighborhoods, in particular, are being f- over. You can see the tale here in the property history on Realtor.com. Lots and lots of houses were previously on the market for $50,000, bought, and then flipped and listed for $250k to $300k in a ZIP code where the median income is $34.5k, a good $20k less than the median income for the city. Shockingly, no one wants to spend $300k for a s- remodel in the ‘hood, so most of these houses sit empty unless/until they’re put on Airbnb.”
One added, “I think the problem with gentrification in the US is twofold: a failure to provide a path to ownership for often at-risk residents (which leads to slumlords) and a failure to protect the at-risk pop who DO own property from massive tax hikes.
“No one is opposed to tearing down condemned houses and building new ones, but the neighbours who have been there should not get affected by massive tax increases.”
8. Rural Lake Cabins
“Quiet out-of-the-way country cabins sitting by lakes. Now they are overpriced Airbnbs,” posted one user.
Another user commented, “I’d even say Airbnbs themselves. They started as a potentially cheap alternative to hotels run by people with extra space they aren’t doing anything with. Now people build guest houses specifically for Airbnb and treat It like a full-on rental.”
One user suggested, “If you do decide to go to an Airbnb as a getaway, I’d recommend looking for one on a farm. From what I’ve seen, they’re usually run by the farmers as a sort of side gig and not some company or wealthy person.
“The last one I went to was out in the middle of nowhere with like 70 acres that you’re free to explore, and it was actually at an animal rehabilitation center. They rented out their spare room as an Airbnb as a way to bring in more money to put towards the animals. It was insanely cool.
“They had a ton of animals that were being rehabilitated. The living room had a giant window that looked straight into the snow macaque enclosure. It was their inside feeding area, so you could watch them chill and eat like 2 feet away. There was a flock of chickens that would follow you around; most of them were bald or had b-m legs or other issues that would get them slaughtered at a farm. There were storks, peacocks, a very playful otter, spider monkeys, a d-head heron that kept pecking at my boots, boxes, and a lot more, but they even had tigers. Apparently, they were rescued from a carnival and couldn’t be released into the wild. It was so calm and also sweet to know that you were contributing a bit just by staying there.
“Edit: guess I should’ve included it in the original comment. It’s called ‘The Suite at the Ridge’ in Hocking Hills, Ohio. The Airbnb itself wasn’t crazy lovely or anything, but it was perfectly fine, and you’re there to be around the animals anyways. Unfortunately, I can’t post pictures here because I have some I’d love to share.
“Edit 2: I can’t seem to get the listing to show up in a search, only by looking through messages and it says that the host ‘no longer has access to Airbnb’ so I’m not sure what happened. We went in January, so it wasn’t even a year ago. But if you want to look at other sites, the sanctuary is Union Ridge Wildlife Center.
“Edit 3: Don’t Google the name of the wildlife center unless you want my happy post to become a sad post. Turns out it wasn’t as wholesome as I thought it was.”
9. Van Life and Tiny Houses
One online user stated, “Van life and tiny house living.”
Another user replied, “It’s like they gentrified the trailer park.”
Another user commented, “Not where I live. We still have proper trailer parks loaded with meth, pit bulls and domestic violence.”
10. Modernizing a Historic Home
A user commented, “Buying a “fixer-upper” home and spending weekends working on it. I was really looking forward to that.”
One user responded, “I’ve seen so many nice period houses completely gutted on the inside by modern renovations. If I buy a 1930s house, I don’t want a stupid Scandinavian minimalist interior!”
11. Thrift Shopping
“Thrift shopping. I’m not *thrifting* I’m f- broke,” one user commented.
Another user added, “Sometimes I feel like it’s cheaper to buy clothes at Target or Walmart brand new than it is to buy from a thrift store.”
12. Counterculture-Based Festivals
A Redditor stated, “Counterculture-based festivals. Burning Man was on my bucket list until rich folks started showing up with bodyguards and started establishing private zones.”
One user added, “Counterculture as a whole seems to be getting gentrified. In the Netherlands, there are a lot of places you can go to that have a ‘counterculture aesthetic’ or more specifically, ‘squat aesthetic’ but have exorbitant prices. Squatting used to be vast, and multiple venues in the Netherlands (like Paradiso and Melkweg) have their humble beginnings as a squat. Ruigoord, a village close to Amsterdam that got squatted 50 years ago, also completely lost its soul and is filled with yuppies.
“Counterculture is being gentrified, sanitized and sold back to people at exorbitant prices as something ‘new, weird and hip.’”
13. The Farmer’s Market
One user posted, “Going to the farmers market.” A user replied, “I went to a farmer’s market where only one vendor sold fruits and vegetables. There were three boutique honey stands and an old white lady selling ‘native’ art. St Philips Plaza in Tucson, for anyone who knows what I’m talking about. So dumb.”
14. Houses
“Houses. We poor people would work our entire lives to own one. Property became a great investment and a way to increase wealth, so rich people bought them. Not to live in as intended but to rent to the poor and keep them poor by renting so they will never be able to save enough to afford their own.” a user added to the thread.
15. Fajitas
One Redditor shared, “Fajitas. I remember being able to get skirt steak really cheap and sometimes for free.”
One user replied, “That goes for any ‘cheap’ cut of meat.”
16. Pickup Trucks
“Pickup trucks. They used to be much cheaper,” one user posted.
Another user replied, “They’re luxury minivans now.”
17. Unrestricted Land
One user posted, “Unrestricted land. Everything gets an HOA now, and they try to force you into their jurisdiction.
“My family fought an HOA targeting my grandmother’s house. She had lived there for ten years before the HOA was even an idea, or the new area with big houses was cleared for construction before that.
“We ended up having Rock in her house, skirting, and rock under her deck due to insufficient money to fight an HOA she never signed on to.
“If an HOA comes out where I live (which might happen in the next 15 years), I will fight them tooth and nail for spite alone.”
18. Cheat Cuts of Meat
“Off cuts of meat,” shared one user.
Another user replied, “I remember when chicken wings were 10 cents because they could not give them away. Now, they are an industry. They break a wing in half and call it two wings.”
19. Concerts and Festivals
One user shared, “Concerts and festivals.”
Another Redditor added, “I agree with this one. I have lost all interest in the concert/festival experience.”
20. Brisket Burnt Ends
“Brisket burnt ends. BBQ joints used to toss them or give them away for free,” One commenter added.
Another user replied, “BBQ used to be poor people’s food. Nobody wanted to eat ribs and brisket because they are hard to cook. Now every upper-middle-class person has a smoker, and BBQ costs an arm and a leg.”
Do you agree with the things listed above? Share your thoughts below!
Source: Reddit.
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Every major city in the U.S. has a unique skyline. Whether they have the tallest buildings or the prettiest mountain backdrop, a skyline makes a city instantly recognizable from afar. Since the world’s first skyscraper in Chicago in 1885, architects have continued to race each other to touch the sky.
Here are 30 of the best skylines across the country, from the Big Apple to Motor City.
Which city has the best skyline in the U.S.?
From coast to coast, near the water or in the desert, each skyline has an element that makes them striking. And one of the best in the country.
30. Houston, TX
The oldest building in the Houston skyline is the El Paso Energy building, completed in 1963 at 33 stories. The tallest, the JPMorgan Chase Tower, is double that at 75 floors. The tower was supposed to be 80 stories, but a Federal Aviation Administration (FAA) analysis said anything over 75 stories was considered hazardous to air navigation.
Find an apartment for rent in Houston.
29. Denver, CO
Denver’s skyline can be enjoyed from several spots around the city, including Washington Park. Denver is exactly one mile high, with more than 200 visible peaks sneaking around the skyline for their moment in the limelight. The tallest building in this skyline is the 56-story Republic Plaza.
Find an apartment for rent in Denver.
28. St. Louis, MO
You can’t think about the St. Louis skyline without the Gateway Arch, the tallest manmade monument in the country. The 630-feet-tall stainless steel monument is genuinely iconic and marks the moment the Louisiana Purchase was signed. Next to it, the Mississippi River flows by and joins the Missouri River north of the city.
Find an apartment for rent in St. Louis.
27. Orlando, FL
Fun fact about the Orlando skyline: Lake Eola, in downtown Orlando, is a giant sinkhole. It’s around 80 feet at its deepest point. You can see the most iconic city landmark, the Linton E. Allen Memorial Fountain, right in the middle of it. In the background, at 441 feet, the Suntrust Center is the tallest building in Central Florida.
Find an apartment for rent in Orlando.
26. Atlanta, GA
One of the most popular tourist attractions in Atlanta is the view of the skyline at the Jackson Street Bridge. It’s both used in “The Walking Dead,” and it’s a prime spot to capture a beautiful Instagram shot for your feed. While the skyscrapers themselves aren’t quite famous, the view is still worth the snapshot.
Find an apartment for rent in Atlanta.
25. San Diego, CA
America’s Finest City’s skyline has changed drastically in just a decade but buildings are usually capped at 500 feet due to concerns over planes crossing over the downtown on the flight path to San Diego International Airport. Petco Park offers the best sunset view of the San Diego skyline, a treat while watching the Padres hit a few home runs.
Find an apartment for rent in San Diego.
24. Tampa, FL
The most identifiable buildings in the Tampa skyline are the University of Tampa’s stainless steel minarets, a stark contrast to the modern skyscrapers that surround it. Previously the luxurious Tampa Bay Hotel, the building was railroad tycoon Henry Plant’s legacy inspired by Moorish architecture.
Find an apartment for rent in Tampa.
23. San Francisco, CA
As the fog rolls in, past the Golden Gate Bridge, San Francisco’s skyline looks ethereal. The Bay Area skyline is a good mix of skyscrapers like the Salesforce Tower and the Transamerica Pyramid and smaller buildings, due to the earthquake risk in California.
Find an apartment for rent in San Francisco.
22. Nashville, TN
Well, Bob Dylan in 1969 named a whole album after the stunning Nashville skyline, and we can’t disagree. The southern city’s first skyscraper was only 12 stories tall back in 1905 — that number has now grown to 162 high-rises. The most identifiable of them all? The AT&T Building, nicknamed the Batman building, for its resemblance to the superhero’s mask.
Find an apartment for rent in Nashville.
21. Minneapolis, MN
Minnesota winters are infamous for being brutal, but Minneapolis has it figured it out. They stay mega cozy without going outdoors, thanks to the skyway system’s enclosed bridges that connect buildings throughout the city. It’s the most extensive pedestrian skywalk system in the world, connecting more than 20 of the tallest buildings in Minneapolis.
Find an apartment for rent in Minneapolis.
20. Knoxville, TN
The Sunsphere, the tower with the disco ball-like at the top, makes the Knoxville skyline easy to spot. The unique structure was built for the 1982 World’s Fair. After sitting abandoned for years, the 4th-floor observation deck reopened in 2022. It offers a 360-degree view of downtown Knoxville and the Great Smoky Mountains.
Find an apartment for rent in Knoxville.
19. Indianapolis, IN
Today, Indianapolis’ skyline is marked by Monument Circle, a monument to the valor of the common soldier. Any building surrounding it cannot be taller than eight stories so the sunlight can reach the fountain.
Another fun fact: Circle City was home to one of the most remarkable feats in engineering in 1930 — the move of the 11,000-ton Indiana Bell building. For a little over a month, the building was rotated 90 degrees. Some 30 years later, it was demolished.
Find an apartment for rent in Indianapolis.
18. Cincinnati, OH
Cincinnati is home to the world’s first reinforced concrete skyscraper, the 16-story Ingalls Building. Before 1903, no one had built a building taller than six floors. Today, it’s the Courtyard by Marriott Cincinnati Downtown. This is just one of many historic landmarks in the city’s skyline.
Find an apartment for rent in Cincinnati.
17. Milwaukee, WI
With Lake Michigan as a backdrop, Milwaukee’s skyline held the title for tallest skyscraper for a brief moment in time. In 1895, the Milwaukee City Hall was the tallest building in the city, taller than anything in New York or Chicago at the time. The beautiful walkways surrounding the atrium (and the building) still stand today.
Find an apartment for rent in Milwaukee.
16. Norfolk, VA
Lesser known than some of the skylines on the list, Norfolk’s has mostly mid-rise buildings, with the 26-story Dominion Tower taking the top spot for tallest in the skyline. What brings you is the reflection of the skyline on the Elizabeth River. The recently revitalized waterfront offers beautiful views of the city and a chance to see the restored shoreline.
Find an apartment for rent in Norfolk.
15. San Antonio, TX
The star of the San Antonio skyline is the Tower of the Americas, the 11th tallest skyscraper in the entire state. Right in downtown San Antonio, the 750-foot-tall observation tower offers some of the city’s best views. Initially built for the 1968 World’s Fair, the tower has a spot to grab a bite to eat at the top.
Find an apartment for rent in San Antonio.
14. Charlotte, NC
Here’s a fun fact: The majority of Charlotte’s current skyline was built in the 21st century starting in 2002 with the Hearst Tower. The city is a financial center in the Southeast with Bank of America, Wells Fargo and other institutions having a presence at each of the skyline’s buildings.
Find an apartment for rent in Charlotte.
13. Portland, OR
Downtown Portland’s skyline is composed of 31 high-rises, with the Wells Fargo Center taking the top spot for tallest building. Most of the city center is nestled in between the Columbia and Willamette rivers. Nearby, the historic Pittock Mansion offers incredible panoramic views of Portland and Mount Hood in the background.
Find an apartment for rent in Portland.
12. Phoenix, AZ
From the top of Camelback Mountain, about 30 minutes from downtown Phoenix, you can see the entire Phoenix metropolitan skyline. A striking view during sunset with the desert mountains in the background is not your usual skyline view.
Find an apartment for rent in Phoenix.
11. Pittsburgh, PA
Pittsburgh has over 400 bridges, and it’s hard to miss them in the city skyline. Like the Smithfield Street Bridge, the oldest steel bridge in the U.S., which crosses the Monongahela River. Pittsburgh’s skyline also features One Oxford Centre, a complex of six buildings with many sides to offer as many corner offices as possible.
Find an apartment for rent in Pittsburgh.
10. Memphis, TN
The downtown Memphis skyline overlooks the Mississippi river as it was purposely built on the banks by the city’s founders. These days, the Memphis Riverfront offers a beautiful river walk that connects two state parks, Meeman-Shelby Forest and T.O. Fuller.
Find an apartment for rent in Memphis.
9. Detroit, MI
Detroit has one of the most distinguishable skylines in the country. Motor City’s Sunset Point gives the most beautiful views of the skyline along the Detroit River. Or, if you want a bench to admire the skyline and the sunset, head over to Riverside Park with a small picnic. The Ambassador Bridge is the star of the show from this angle.
Find an apartment for rent in Detroit.
8. Dallas, TX
The Dallas skyline is recognizable, thanks to the 1980s hit series “Dallas” and has won best skyline multiple times, including USA TODAY. The Reunion Tower, a 561-foot observation deck, is one of the skyline landmarks in Dallas. The locals often call it “The Ball.”
Find an apartment for rent in Dallas.
7. Chicago, IL
Right by Lake Michigan, Chicago has built one of the most classic skylines, with height variation, no crowding or funky-looking buildings. It makes sense since the first skyscraper in the world was built in the Windy City. Get to know it during one of the city’s popular architecture-themed boat tours. But you’ll get the best full view of the skyline at the Adler Planetarium.
Find an apartment for rent in Chicago.
6. Miami, FL
Welcome to Miami! The Florida city has the country’s third tallest skyline with more than 300 skyscrapers. The Panorama Tower, located in downtown Miami, stands tall at 85 stories, making it the tallest in the state. Nine out of the top 10 of the tallest buildings in Florida can be found in Miami.
Find an apartment for rent in Miami.
5. Los Angeles, CA
Did you know that until 2014 Los Angeles buildings were required to have a flat top to allow for a helicopter landing? That’s why the skyline looks almost homogenous aside from a few new additions. On a clear day without smog, the Los Angeles skyline can be seen from several vantage points, but Griffith Observatory and Echo Park Lake are the best ones.
Find an apartment for rent in Los Angeles.
4. Honolulu, HI
Honolulu’s small, packed skyline isn’t just about buildings. A skyline shot from above shows the vibrant blue Pacific Ocean paired with lush Diamond Head. It just exudes paradise from every perspective. The First Hawaiian Center has remained the tallest building on the island since the mid-90s at 429 feet.
Find an apartment for rent in Honolulu.
3. Seattle, WA
The Space Needle and Mount Rainier, part of Seattle’s iconic skyline, take our No. 3 spot for best skyline in the U.S. The best place to see it all from above? Sunset Hill Park provides the best view of the skyline during a sunny day. The Columbia Center takes the prize for the tallest building in the city at 76 stories.
Find an apartment for rent in Seattle.
2. Las Vegas, NV
And the No. 2 spot goes to Sin City — the one and only Las Vegas. With all of its neon lights, the Las Vegas skyline is the brightest place on Earth and can be seen from outer space. The Luxor’s Sphinx, a replica of the Great Sphinx of Giza, stands out among the many iconic buildings on the skyline. Fun fact: It’s bigger than the original.
Find an apartment for rent in Las Vegas.
1. New York, NY
The New York City skyline takes the prize as the best skyline in the country. From above, the Big Apple shines with its landmark buildings like the Empire State Building, the Chrysler Tower and the One World Trade Center. It has inspired architectural dreams, and it has become the background for many stories and movies.
And while it had a tragic change at the beginning of the 21st century, it remains one of the best city skylines in the United States.
Find an apartment for rent in New York.
The best city skylines around the country
Whether buildings have a mountain as their background or a view of water, there are so many beautiful skylines to choose from across all 50 states.
These are just a small slice of the most beautiful city skylines around the U.S. With ongoing construction, each of these skylines will look a little different over time and one of them could be your next view from your apartment.
See what’s special about this city, beyond the stereotypes.
Welcome to Cleveland. Sitting on the shores of Lake Erie, this Midwestern metropolis has a heritage that is proudly showcased through its impressive architecture, world-class museums and so much more. Join us as we explore the nooks and crannies of one of America’s top cities and finally answer the question, what is Cleveland known for?
Cleveland’s quirky, unparalleled culture
Cleveland holds a particular cultural significance in American history. From its early days as a major center for manufacturing and trade to its present-day status as a hub for arts and culture, the city has embraced its past while facing its future head on.
One of the most iconic landmarks in Cleveland is the Rock and Roll Hall of Fame. This legendary museum pays homage to the legends of rock and roll with its extensive collection of artifacts, interactive exhibits and live performances. Visitors can explore the history of rock music, learn about the artists who shaped the genre and get up close and personal with some of the most unique rock artifacts in the world.
Another gem in Cleveland is the Historic Warehouse District. This neighborhood is a testament to the city’s industrial past, with its well-preserved 19th-century brick buildings and cobblestone streets. Today, it’s a hub for dining, shopping and entertaining, with a mix of trendy restaurants, stylish boutiques and lively bars.
Historical landmarks in Cleveland
Cleveland is home to a wealth of historical landmarks that provide a glimpse into the city’s past. One such landmark is Terminal Tower, a towering structure that was once the tallest building outside of New York City. Built in the 1920s, it served as a transportation hub and symbolized the city’s growth and prosperity. Today, it houses offices, shops and restaurants and offers breathtaking views of the city from its observation deck.
Another must-visit is The Cleveland Arcade. Built in 1890, it is one of the oldest indoor shopping malls in the United States. The Arcade’s stunning architecture, with its glass ceilings and ornate ironwork, is a sight to behold. Visitors can wander through its corridors, admire the beautiful craftsmanship and shop at the unique boutiques and cafes that are lucky enough to call the Arcade home.
Exploring Cleveland’s art scene
Cleveland is a haven for artsy folks, with its world-class museums and thriving arts scene. The Cleveland Museum of Art is a must-visit destination for any art enthusiast. With works spanning over 6,000 years and featuring pieces from around the globe, it is one of the most comprehensive art museums in the country.
For those who prefer contemporary art, the Museum of Contemporary Art Cleveland (MOCA) is a must-visit. Located in Little Italy, this cutting-edge museum showcases works by established and emerging artists. Its ever-changing exhibitions and innovative programming make it a gathering place for creatives to experiment.
Cleveland’s music and entertainment industry
Cleveland has a strong music scene, with deep roots in rock and roll, jazz and classical music. The city’s sounds can be experienced at venues like the Beachland Ballroom, a historic concert hall that has hosted countless legendary acts. From local indie bands to international superstars, the Beachland Ballroom offers a diverse lineup of performances that cater to all musical tastes.
Cleveland also boasts a thriving theater and performing arts industry. Historic Playhouse Square is the largest performing arts center outside of New York City and is home to multiple theaters showcasing a wide range of performances, including Broadway shows, ballet, opera and more. Catching a show at Playhouse Square is a must-do for any thespians.
Cleveland’s sports culture
Cleveland is a city that loves its professional sports, and its passionate fan base is a testament to that. The city is home to three major professional sports teams: the Cleveland Cavaliers (NBA), the Cleveland Browns (NFL) and the Cleveland Guardians (MLB). Attending a game at one of these iconic stadiums is an experience like no other, with the energy and excitement of the crowd creating an electric atmosphere.
In addition to professional sports, Cleveland also hosts numerous sporting events throughout the year. The city has hosted the NBA Finals, the World Series and the NFL Draft, and that’s not even to mention Saturdays at The Ohio State University (just over two hours away).
Must-visit attractions in Cleveland
The Cleveland Botanical Garden is a beautiful oasis in the heart of the city, with its stunning gardens, glasshouse and outdoor spaces. Visitors can explore the themed gardens, learn about plant conservation and even participate in educational programs and workshops.
Another must-visit attraction is West Side Market, one of the oldest continuously operating public markets in the country. This bustling marketplace is a foodies’ paradise, with vendors selling everything from fresh produce and meats to artisanal cheeses and baked goods. Exploring the market’s many offerings and sampling the local cuisine is a must-do for anyone with a little room in their stomach.
Dining in Cleveland
Cleveland’s emerging culinary scene has garnered attention in recent years, with a range of restaurants and culinary experiences to be experienced within the city limits. The city is known for its thriving food halls, where visitors can sample a variety of cuisines under one roof. The Van Aken District, located in the suburb of Shaker Heights, is home to a food hall that showcases the best of Cleveland’s culinary talent, from artisanal pizzas to gourmet burgers.
For those looking for a fine dining experience, Cleveland has no shortage of upscale restaurants that offer innovative menus and impeccable service. The city’s chefs are known for their creativity and use of local ingredients, with many establishments focusing on farm-to-table cuisine. From contemporary American fare to international flavors, Cleveland’s dining scene has something to satisfy every palate.
Outdoor activities and natural attractions in Cleveland
Cleveland is also a great destination for outdoor enthusiasts. The city’s location on the shores of Lake Erie provides ample opportunities for kicking back and enjoying all that Mother Nature has to offer. Visitors can take a leisurely stroll along the scenic lakefront, enjoy a picnic in one of the many parks that line the shoreline or even rent a kayak or paddleboard to explore the waters.
For those who prefer to explore nature on land, the Cleveland Metroparks offer a network of parks and trails that span over 23,000 acres. Whether you’re a hiker, cyclist or simply looking for a peaceful nature retreat, the Metroparks have something for everyone. From the picturesque Rocky River Reservation to the sprawling North Chagrin Reservation, these parks offer a respite from the hustle and bustle of the city.
Cleveland should be on your shortlist
After this brief exploration it is clear as day, apartments and homes in Cleveland offer a whole heck of a lot for renters and for those looking to lay down roots and invest in real estate. From its iconic landmarks and world-class museums to its epic music and entertainment scene, there really is something for everyone to enjoy within the city limits.
Whether you’re exploring the city’s many landmarks, immersing yourself in its art scene or indulging in some downright delicious local dishes, Cleveland is sure to captivate and leave a lasting impression. Find your apartment or house for rent now and discover all that Cleveland has to offer you.
See what’s special about this city, beyond the stereotypes.
Welcome to Cleveland. Sitting on the shores of Lake Erie, this Midwestern metropolis has a heritage that is proudly showcased through its impressive architecture, world-class museums and so much more. Join us as we explore the nooks and crannies of one of America’s top cities and finally answer the question, what is Cleveland known for?
Cleveland’s quirky, unparalleled culture
Cleveland holds a particular cultural significance in American history. From its early days as a major center for manufacturing and trade to its present-day status as a hub for arts and culture, the city has embraced its past while facing its future head on.
One of the most iconic landmarks in Cleveland is the Rock and Roll Hall of Fame. This legendary museum pays homage to the legends of rock and roll with its extensive collection of artifacts, interactive exhibits and live performances. Visitors can explore the history of rock music, learn about the artists who shaped the genre and get up close and personal with some of the most unique rock artifacts in the world.
Another gem in Cleveland is the Historic Warehouse District. This neighborhood is a testament to the city’s industrial past, with its well-preserved 19th-century brick buildings and cobblestone streets. Today, it’s a hub for dining, shopping and entertaining, with a mix of trendy restaurants, stylish boutiques and lively bars.
Historical landmarks in Cleveland
Cleveland is home to a wealth of historical landmarks that provide a glimpse into the city’s past. One such landmark is Terminal Tower, a towering structure that was once the tallest building outside of New York City. Built in the 1920s, it served as a transportation hub and symbolized the city’s growth and prosperity. Today, it houses offices, shops and restaurants and offers breathtaking views of the city from its observation deck.
Another must-visit is The Cleveland Arcade. Built in 1890, it is one of the oldest indoor shopping malls in the United States. The Arcade’s stunning architecture, with its glass ceilings and ornate ironwork, is a sight to behold. Visitors can wander through its corridors, admire the beautiful craftsmanship and shop at the unique boutiques and cafes that are lucky enough to call the Arcade home.
Exploring Cleveland’s art scene
Cleveland is a haven for artsy folks, with its world-class museums and thriving arts scene. The Cleveland Museum of Art is a must-visit destination for any art enthusiast. With works spanning over 6,000 years and featuring pieces from around the globe, it is one of the most comprehensive art museums in the country.
For those who prefer contemporary art, the Museum of Contemporary Art Cleveland (MOCA) is a must-visit. Located in Little Italy, this cutting-edge museum showcases works by established and emerging artists. Its ever-changing exhibitions and innovative programming make it a gathering place for creatives to experiment.
Cleveland’s music and entertainment industry
Cleveland has a strong music scene, with deep roots in rock and roll, jazz and classical music. The city’s sounds can be experienced at venues like the Beachland Ballroom, a historic concert hall that has hosted countless legendary acts. From local indie bands to international superstars, the Beachland Ballroom offers a diverse lineup of performances that cater to all musical tastes.
Cleveland also boasts a thriving theater and performing arts industry. Historic Playhouse Square is the largest performing arts center outside of New York City and is home to multiple theaters showcasing a wide range of performances, including Broadway shows, ballet, opera and more. Catching a show at Playhouse Square is a must-do for any thespians.
Cleveland’s sports culture
Cleveland is a city that loves its professional sports, and its passionate fan base is a testament to that. The city is home to three major professional sports teams: the Cleveland Cavaliers (NBA), the Cleveland Browns (NFL) and the Cleveland Guardians (MLB). Attending a game at one of these iconic stadiums is an experience like no other, with the energy and excitement of the crowd creating an electric atmosphere.
In addition to professional sports, Cleveland also hosts numerous sporting events throughout the year. The city has hosted the NBA Finals, the World Series and the NFL Draft, and that’s not even to mention Saturdays at The Ohio State University (just over two hours away).
Must-visit attractions in Cleveland
The Cleveland Botanical Garden is a beautiful oasis in the heart of the city, with its stunning gardens, glasshouse and outdoor spaces. Visitors can explore the themed gardens, learn about plant conservation and even participate in educational programs and workshops.
Another must-visit attraction is West Side Market, one of the oldest continuously operating public markets in the country. This bustling marketplace is a foodies’ paradise, with vendors selling everything from fresh produce and meats to artisanal cheeses and baked goods. Exploring the market’s many offerings and sampling the local cuisine is a must-do for anyone with a little room in their stomach.
Dining in Cleveland
Cleveland’s emerging culinary scene has garnered attention in recent years, with a range of restaurants and culinary experiences to be experienced within the city limits. The city is known for its thriving food halls, where visitors can sample a variety of cuisines under one roof. The Van Aken District, located in the suburb of Shaker Heights, is home to a food hall that showcases the best of Cleveland’s culinary talent, from artisanal pizzas to gourmet burgers.
For those looking for a fine dining experience, Cleveland has no shortage of upscale restaurants that offer innovative menus and impeccable service. The city’s chefs are known for their creativity and use of local ingredients, with many establishments focusing on farm-to-table cuisine. From contemporary American fare to international flavors, Cleveland’s dining scene has something to satisfy every palate.
Outdoor activities and natural attractions in Cleveland
Cleveland is also a great destination for outdoor enthusiasts. The city’s location on the shores of Lake Erie provides ample opportunities for kicking back and enjoying all that Mother Nature has to offer. Visitors can take a leisurely stroll along the scenic lakefront, enjoy a picnic in one of the many parks that line the shoreline or even rent a kayak or paddleboard to explore the waters.
For those who prefer to explore nature on land, the Cleveland Metroparks offer a network of parks and trails that span over 23,000 acres. Whether you’re a hiker, cyclist or simply looking for a peaceful nature retreat, the Metroparks have something for everyone. From the picturesque Rocky River Reservation to the sprawling North Chagrin Reservation, these parks offer a respite from the hustle and bustle of the city.
Cleveland should be on your shortlist
After this brief exploration it is clear as day, apartments and homes in Cleveland offer a whole heck of a lot for renters and for those looking to lay down roots and invest in real estate. From its iconic landmarks and world-class museums to its epic music and entertainment scene, there really is something for everyone to enjoy within the city limits.
Whether you’re exploring the city’s many landmarks, immersing yourself in its art scene or indulging in some downright delicious local dishes, Cleveland is sure to captivate and leave a lasting impression. Find your apartment or house for rent now and discover all that Cleveland has to offer you.
Surround yourself with tasteful touches of golf and the essence of the game.
COURTESY
Welcome to GOLF’s 2023 edition of the Best of Everything, where we’re providing you with, well…the best of everything! In this case — the best golf wall art and home decor of 2023!
Check out GOLF’s picks for the best golf home décor of 2023, which includes art from One Kings Lane, Ballpark Prints, Lie + Loft, Evan Schiller Photography and more.
Keep scrolling to see this collection of art to adorn your walls with all things golf. Find perfect gifts for a golfer you love, or deck your office with golf-themed décor.
Keep scrolling for some of the very best home decor we saw in 2023 that you can add to walls, coffee tables or desks.
If you love these must-have pieces of golf art, check for additional size, frame and canvas options by clicking the “buy now” button below.
All of our market picks are independently selected and curated by the editorial team.
If you buy a linked product,
GOLF.COM may earn a fee. Pricing may vary.
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These prints come in four sizes. You’ll also have the choice between no frame, a natural frame, a black frame or a white frame.
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The Austin-Bergstrom International Airport in Austin, Texas, is growing almost as fast as the city itself. And as the closest airport to major events like South by Southwest, Austin City Limits music festival and more, the compact airport sees its fair share of traffic.
And while many visitors who pass through spend their time at the airport’s local restaurants or shops, Austin airport lounges also offer a place to kick back and unwind before your flight.
Let’s take a look at the airport’s four lounges, how to access them and what each has to offer travelers.
An overview of Austin airport lounges
While there are a number of airlines that fly in and out of Austin, only three have lounges: United Airlines, American Airlines and Delta Air Lines. There’s also a Chase lounge for Chase Sapphire Reserve®cardholders.
🤓Nerdy Tip
Besides the Chase lounge, there aren’t any other options that are accessible via non airline-specific membership, such as Priority Pass, or for Capital One or American Express cardholders.
These lounges are located in the main terminal, the Barbara Jordan Terminal, so no matter what gate you’re flying out of, any lounge is only a short walk away. There are no lounges in the airport’s smaller South Terminal, which is a few minutes’ drive down the road.
To enter the airline lounges, you typically need at least one of the following:
A first or business class ticket with American, Delta or United.
A lounge membership with American, Delta or United.
Elite status with one of the above airlines or their airline alliance.
A purchased day pass (if the lounge offers them).
It’s also important to note that all Austin airport lounges will ask to see a same-day departing boarding pass to enter. Save for one exception —travelers flying American or a Oneworld Alliance airline with a first or business class ticket — these lounges are only accessible on your way out of town, not upon arrival.
Delta Sky Club
On the mezzanine level near gate 4.
Open from 4:15 a.m. to 8:00 p.m. daily. Passengers can access the lounge any time within three hours before their scheduled flight.
Entry requirements:
Hold a Delta One or SkyTeam Premium flight boarding pass.
Hold an Executive or Individual Delta Sky Club membership, which is available to Medallion members.
Hold a Delta SkyMiles® Reserve American Express Card or Delta SkyMiles® Reserve Business American Express Card, which offers free access to the lounge.
Hold the Delta SkyMiles® Platinum American Express Cardor Delta SkyMiles® Platinum Business American Express Card, which offers cardholders the option to purchase access for $50 per person.
Terms apply.
Lounge amenities: Inside the lounge located above the gates, there’s a full-service bar, comfortable seating, tables for dining or working, Wi-Fi and a covered outdoor deck. There’s coffee, tea, complimentary and premium alcoholic beverages and a hot food buffet.
United Club
On the mezzanine level, across from gate 22.
Open 4:30 a.m. – 7:15 p.m. daily.
Entry requirements: .
Hold a boarding pass for:
A premium cabin on an international itinerary.
First class with a Star Alliance member airline.
Hold United Club membership.
Have purchased a one-day pass.
Hold the United Club℠ Infinite Card, which includes United Club membership.
United Club℠ Infinite Card
NerdWallet Rating
Intro offer
90,000
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Miles
Lounge amenities: The Austin airport United Club offers a full-service bar, light snacks and complementary Wi-Fi, plus lounge chairs, high-top tables and space to get a bit of work done.
American Airlines Admirals Club
Across from gate 22.
Open Sunday to Friday 4:15 a.m. – 9:15 p.m and Saturday 4:15 a.m. – 8:15 p.m.
Entry requirements:
Hold a first or business class ticket on a departing or arriving flight operated by American or a Oneworld Alliance airline.
Hold an Admirals Club membership.
Hold a Citi® / AAdvantage® Executive World Elite Mastercard®.
Have purchased a one-day pass (provided there’s space in the lounge that day).
Lounge amenities: Inside this airport lounge in Austin, you’ll find complimentary food and drinks, including coffee and tea, a full-service bar, Wi-Fi and space to work.
Chase Sapphire Terrace
On the mezzanine level by gate 1.
Open daily from 10 a.m.– 8 p.m. Passengers can access the lounge anytime within three hours before their scheduled flight.
Entry requirements:
Hold a Chase Sapphire Reserve® card or a J.P. Morgan Reserve credit card. You may also bring in two guests.
Chase Sapphire Reserve®
NerdWallet Rating
Intro offer
60,000
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.
Points
Lounge amenities: There’s indoor and outdoor seating on the terrace of this Austin airport lounge, plus grab-and-go food, local beverages, games like shuffleboard and cornhole and comfortable seating in a modern and sunny space.
Austin airport lounges recapped
While there are a handful of lounges at the Austin airport, don’t expect the variety and multiple locations you might see at larger hubs like New York-John F. Kennedy.
The four lounges are all located within the main terminal, so it’s easy to locate a place to kick back, relax, grab a bite and maybe get some work done before your flight.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Home renovations can be expensive. But the good news is that you don’t have to pay out of pocket.
Home improvement loans let you finance the cost of upgrades and repairs to your home.
Some — like the FHA 203(k) mortgage — are specialized for home renovation projects, while second mortgage options — like home equity loans and HELOCs — can provide cash for a remodel or any other purpose. Your best financing option for home improvements depends on your needs. Here’s what you should know.
Check home improvement loan options and rates. Start here
In this article (Skip to…)
What is a home improvement loan?
A home improvement loan is a financial tool that allows you to borrow money for various home projects, such as repairs, renovations, or upgrades.
Unlike a secured loan like a second mortgage, home improvement loans are often unsecured personal loans, meaning you don’t have to put up your home as collateral. You get the money in a lump sum and pay it back over a predetermined period, which can range from one to seven years.
Now, you might be wondering how this is different from a home renovation loan. While the terms are often used interchangeably, there can be subtle differences.
Home improvement loans are generally more flexible and can be used for any type of home project, from installing a new roof to landscaping. Home renovation loans, on the other hand, are often more specific and may require you to use the funds for particular types of renovations, like kitchen or bathroom remodels.
How does a home improvement loan work?
So, you’ve decided to spruce up your home, and you’re considering a home improvement loan. But how does it work? Once you’re approved, the lender will give you the money in a lump sum. You start repaying the loan almost immediately, usually in fixed monthly installments. The interest rate you’ll pay depends on various factors, including your credit score and the lender’s terms.
Be mindful of additional costs like origination fees, which can range from 1% to 8% of the loan amount. Unlike a credit card, where you can keep using the available credit as you pay it off, the loan amount is fixed. If you find that you need more money for your project, you’ll have to apply for another loan, which could affect your credit score.
Home improvement loan rates
Interest rates for home improvement loans can vary widely, generally ranging from 5% to 36%. Your credit score plays a significant role in determining your rate—the better your credit, the more favorable your rate. Some lenders even offer an autopay discount if you link a bank account for automatic payments.
You can also prequalify to check your likely interest rate without affecting your credit score, making it easier to plan for the loan purpose, whether it’s a new kitchen or fixing a leaky roof.
So, whether you’re dreaming of solar panels or finally fixing up your master bedroom, a home improvement loan can be a practical way to finance your projects. Just make sure to read the fine print and understand all the terms, including any potential autopay discounts and bank account requirements, before you apply.
Types of home improvement loans
1. Home equity loan
A home equity loan (HEL) is a financial instrument that lets you borrow money using the equity you’ve built up in your home as collateral. The equity is determined by subtracting your existing mortgage loan balance from your current home value. Unlike a cash-out refinance, a home equity loan “issues loan funding as a single payment upfront. It’s similar to a second mortgage,” says Bruce Ailion, Realtor and real estate attorney. “You would continue making payments on your original mortgage while repaying the home equity loan.”
Check home equity loan options and rates. Start here
This kind of loan is particularly useful for big, one-time expenditures like home remodeling. It offers a fixed interest rate, and the loan terms can range from five to 30 years. You could potentially borrow up to 100% of your home’s equity.
However, there are some cons to consider. Since you’re essentially taking on a second loan, you’ll have an additional monthly payment if you still have a balance on your original mortgage. Also, the lender will usually charge closing costs ranging from 2% to 5% of the loan balance, as well as potential origination fees. Because the loan provides a lump-sum payment, careful budgeting is necessary to ensure the funds are used effectively.
As a bonus, “a home equity loan, or HELOC, may also be tax-deductible,” says Doug Leever with Tropical Financial Credit Union, member FDIC. “Check with your CPA or tax advisor to be sure.”
2. HELOC (home equity line of credit)
A Home Equity Line of Credit (HELOC) is another option for tapping into your home’s equity without going through the process of a full refinance. Unlike a standard home equity loan that provides a lump sum upfront, a HELOC functions more like a credit card. You’re given a pre-approved limit and can borrow against that limit as you need, paying interest only on the amount you’ve actually borrowed.
Check your HELOC options. Start here
While there’s more flexibility because you don’t have to borrow the entire amount at once, be aware that by the end of the term, “the loan must be paid in full. Or the HELOC can convert to an amortizing loan,” says Ailion. “Note that the lender can be permitted to change the terms over the loan’s life. This can reduce the amount you can borrow if, for instance, your credit goes down.”
The pros of a HELOC include minimal or potentially no closing costs, and loan payments that vary according to how much you’ve borrowed. It offers a revolving balance, which means you can re-use the funds after repayment. This kind of financial instrument may be ideal for ongoing or long-term projects that don’t require a large sum upfront.
“HELOCs offer flexibility, and you only pull money out when needed, within the maximum loan amount. And the credit line is available for up to 10 years, which is your repayment period.” Leever says.
3. Cash-out refinance
A cash-out refinance is a viable option if you’re considering home improvements or other significant financial needs. When opting for a cash-out refinance, you essentially take on a new, larger mortgage than your existing one and then pocket the difference in cash.
This cash comes from your home’s value and can be used for various purposes, including home improvement projects like finishing a basement or remodeling a kitchen. However, the money can also be used for other things, like paying off high-interest debt, covering education expenses, or even buying a second home. Importantly, a cash-out refinance is most beneficial when current market rates are lower than your existing mortgage rate.
Check your eligibility for a cash-out refinance. Start here
The advantages of going for a cash-out refinance include the opportunity to reduce your mortgage rate or loan term, which could potentially result in paying off your home earlier. For instance, if you initially had a 30-year mortgage with 20 years remaining, you could refinance to a 15-year loan, effectively paying off your home five years ahead of schedule. Plus, you only have to worry about one mortgage payment.
However, there are downsides. Cash-out refinances tend to have higher closing costs that apply to the entire loan amount, not just the cash you’re taking out. The new loan will also have a larger balance than your current mortgage, and refinancing effectively restarts your loan term length.
4. FHA 203(k) rehab loan
The FHA 203(k) rehab loan is backed by the Federal Housing Administration that consolidates the cost of a home mortgage and home improvements into a single loan, which makes it particularly useful for those buying fixer-uppers.
Check your eligibility for an FHA 203(k) loan. Start here
With this program, you don’t need to apply for two different loans or pay closing costs twice; you finance both the house purchase and the necessary renovations at the same time. The loan comes with several benefits like a low down payment requirement of just 3.5% and a minimum credit score requirement of 620, making it accessible even if you don’t have perfect credit. Additionally, first-time home buyer status is not a requirement for this loan.
However, there are some limitations and downsides to be aware of. The FHA 203(k) loan is specifically designed for older homes in need of repairs, rather than new properties. The loan also includes both upfront and ongoing monthly mortgage insurance premiums. Renovation costs have to be at least $5,000, and the loan restricts the use of funds to certain approved home improvement projects.
According to Jon Meyer, a loan expert at The Mortgage Reports, “FHA 203(k) loans can be drawn out and difficult to get approved. If you go this route, it’s important to choose a lender and loan officer familiar with the 203(k) process.”
5. Unsecured personal loan
If you’re looking to finance home improvements but don’t have sufficient home equity, a personal loan could be a viable option. Unlike home equity lines of credit (HELOCs), personal loans are unsecured, meaning your home is not used as collateral. This feature often allows for a speedy approval process, sometimes getting you funds on the next business day or even the same day.
Check home improvement loan options and rates. Start here
The repayment terms for personal loans are less flexible, usually ranging between two and five years. Although you’ll most likely face closing costs, personal loans can be easier to access for those who don’t have much home equity to borrow against. They can also be a good choice for emergency repairs, such as a broken water heater or HVAC system that needs immediate replacement.
However, there are notable downsides to consider. Unsecured personal loans generally have higher interest rates compared to HELOCs and lower borrowing limits. The short repayment terms could put financial strain on your budget. Additionally, you may encounter prepayment penalties and expensive late fees. Financial expert Meyer describes personal loans as the “least advisable” option for homeowners, suggesting that they should be considered carefully and perhaps as a last resort.
6. Credit cards
Using a credit card can be the fastest and most straightforward way to finance your home improvement projects, eliminating the need for a lengthy loan application. However, you’ll need to be cautious about credit limits, especially if your renovation costs are high.
You might need a card with a higher limit or even multiple cards to cover the costs. The interest rates are generally higher compared to home improvement loans, but some cards offer an introductory 0% annual percentage rate (APR) for up to 18 months, which can be a good deal if you’re sure you can repay the balance within that time frame.
Check home improvement loan options and rates. Start here
Credit cards might make sense in emergency situations where you need immediate funding. For longer-term financing, though, they’re not recommended. If you do opt for credit card financing initially, you can still get a secured loan later on to clear the credit card debt, thus potentially saving on high-interest payments.
How do you choose the best home improvement loan for you?
The best home improvement loan will match your specific lifestyle needs and unique financial situation. So let’s narrow down your options with a few questions.
Check your home improvement loan options. Start here
Do you have home equity available?
If so, you can access the lowest rates by borrowing against the equity in your home with a cash-out refinance, a home equity loan, or a home equity line of credit.
Here are a few tips for choosing between a HELOC, home equity loan, or cash-out refi:
Can you get a lower interest rate? If so, a cash-out refinance could save money on your current mortgage and your home improvement loan simultaneously
Are you doing a big, single project like a home remodel? Consider a simple home equity loan to tap into your equity at a fixed rate
Do you have a series of remodeling projects coming up? When you plan to remodel your home room by room or project by project, a home equity line of credit (HELOC) is convenient and worth the higher loan rate compared to a simple home equity loan
Are you buying a fixer-upper?
If so, check out the FHA 203(k) program. This is the only loan on our list that bundles home improvement costs with your home purchase loan. Just review the guidelines with your loan officer to ensure you understand the disbursement of funds rules.
Taking out just one mortgage to cover both needs will save you money on closing costs and is ultimately a more straightforward process.
“The only time I’d recommend the FHA203(k) program is when buying a fixer-upper,” says Meyer. “But I would still advise homeowners to explore other loan options as well.”
Do you need funds immediately?
When you need an emergency home repair and don’t have time for a loan application, you may have to consider a personal loan or even a credit card.
Which is better?
Can you get a credit card with an introductory 0% APR? If your credit history is strong enough to qualify you for this type of card, you can use it to finance emergency repairs. But keep in mind that if you’re applying for a new credit card, it can take up to 10 business days to arrive in the mail. Later, before the 0% APR promotion expires, you can get a home equity loan or a personal loan to avoid paying the card’s variable-rate APR
Would you prefer an installment loan with a fixed rate? If so, apply for a personal loan, especially if you have excellent credit
Just remember that these options have significantly higher rates than secured loans. So you’ll want to reign in the amount you’re borrowing as much as possible and stay on top of your payments.
How to get a home improvement loan
Getting a home improvement loan is similar to getting a mortgage. You’ll want to compare rates and monthly payments, prepare your financial documentation, and then apply for the loan.
Check home improvement loan options and rates. Start here
1. Check your financial situation
Check your credit score and debt-to-income ratio. Lenders use your credit report to establish your creditworthiness. Generally speaking, lower rates go to those with higher credit scores. You’ll also want to understand your debt-to-income ratio (DTI). It tells lenders how much money you can comfortably borrow.
2. Compare lenders and loan types
Gather loan offers from multiple lenders and compare costs and terms with other types of financing. Look for any benefits, such as rate discounts, a lender might provide for enrolling in autopay. Also, keep an eye out for disadvantages, including minimum loan amounts or expensive late payment fees.
3. Gather your loan documents
Be prepared to verify your income and financial information with documentation. This includes pay stubs, W-2s (or 1099s if you’re self-employed), and bank statements, to name a few.
4. Complete the loan application process
Depending on the lender you choose, you may have a fully online loan application, one that is conducted via phone and email, or even one that is conducted in person at a local branch. In some cases, your mortgage application could be a mix of these options. Your lender will review your application and likely order a home appraisal, depending on the type of loan. You’ll get approved and receive funding if your finances are in good shape.
Get started on your home improvement loan. Start here
Home improvement loan lenders
When considering a home improvement loan, it’s necessary to explore various lending options to find the one that best suits your needs. The lending landscape for home improvement is diverse, featuring traditional banks, credit unions, and online lenders. Each type of lender offers different interest rates, loan terms, and eligibility criteria.
It’s advisable to prequalify with multiple lenders to get an estimate of your loan rates, which generally doesn’t affect your credit score. This way, you can compare offers and choose the most favorable terms for your renovation project.
Among the popular choices in the market, Sofi and LightStream stand out for their competitive rates, easy online application, and customer-friendly terms. Both are equal housing lenders, ensuring they adhere to federal anti-discrimination laws. In addition to these, other lenders like Wells Fargo and LendingClub also offer home improvement loans with varying terms and conditions.
How can I use the money from a home improvement loan?
When you do a cash-out refinance, a home equity line of credit, or a home equity loan, you can use the proceeds on anything — even putting the cash into your checking account. You could pay off credit card debt, buy a new car, pay off student loans, or even fund a two-week vacation. But should you?
It’s your money, and you get to decide. But spending home equity on improving your home is often the best idea because you can increase the value of your home. Spending $40,000 on a new kitchen remodel or $20,000 on finishing your basement could add significant value to your home. And that investment would be appreciated along with your home.
That said, if you’re paying tons of interest on credit card debt, using your home equity to pay that off would make sense, too.
Average costs of home renovations
Home renovations can vary widely in cost depending on the scope of the project, the quality of the materials used, and the region where you live. However, here’s a general idea of what you might expect to pay for various types of home renovations.
Renovation Type
Average Cost Range
Kitchen Remodel
$10,000 – $50,000
Bathroom Remodel
$5,000 – $25,000
Master Bedroom Remodel
$1,500 – $10,000
New Roof
$5,000 – $11,000
Exterior Paint
$6,000 – $20,000
Interior Paint
$1,500 – $10,000
New Deck
$15,000 – $40,000
Solar Panel Installation
$15,000 – $25,000
Window Replacement
$5,000 – $15,000
The information is based on data from HomeGuide.com and is current as of August 2023.
Please note that these are just average figures, and the actual costs can vary. For instance, a high-end kitchen remodel could cost significantly more, especially if you’re planning to use custom cabinetry and high-end appliances. Similarly, the cost of a new deck can vary depending on the size and type of materials used.
Home improvement loans FAQ
Check home improvement loan options and rates. Start here
What type of loan is best for home improvements?
The best loan for home improvements depends on your finances. If you have accumulated a lot of equity in your home, a HELOC, or home equity loan, might be suitable. Or, you might use a cash-out refinance for home improvements if you can also lower your interest rate or shorten the current loan term. Those without equity or refinance options might use a personal loan or credit cards to fund home improvements instead.
Should I get a personal loan for home improvements?
That depends. We’d recommend looking at your options for a refinance or home equity-based loan before using a personal loan for home improvements. That’s because interest rates on personal loans are often much higher. But if you don’t have a lot of equity to borrow from, using a personal loan for home improvements might be the right move.
What credit score is needed for a home improvement loan?
The credit score requirements for a home improvement loan depend on the loan type. With an FHA 203(k) rehab loan, you likely need a good credit score of 620 or higher. Cash-out refinancing typically requires at least 620. If you use a HELOC, or home equity loan, for home improvements, you’ll need a FICO score of 680–700 or higher. For a personal loan or credit card, aim for a score in the low-to-mid 700s. These have higher interest rates than home improvement loans, but a stronger credit profile will help lower your rate.
What is the best renovation loan
If you’re buying a fixer-upper or renovating an older home, the best renovation loan might be the FHA 203(k) mortgage. The 203(k) rehab loan lets you finance (or refinance) the home and renovation costs into a single loan, so you avoid paying double closing costs and interest rates. If your home is newer or of higher value, the best renovation loan is often a cash-out refinance. This lets you tap the equity in your current home and refinance into a lower mortgage rate at the same time.
Is a home improvement loan tax deductible?
Home improvement loans are generally not tax-deductible. However, if you finance your home improvement using a refinance or home equity loan, some of the costs might be tax-deductible.
Disclaimer: The Mortgage Reports do not provide tax advice. Be sure to consult a tax professional if you have any questions about your taxes.
Shop around for your best home improvement loan
As with anything in life, it pays to compare all your options. So don’t just settle on the first loan offer you find.
Compare lenders, mortgage types, rates, and terms carefully to find the best loan for home improvements.
Time to make a move? Let us find the right mortgage for you
0:00:01 Introducing the Get Out of Deck Guy team 0:00:33 The Range of Emotions Caused by Debt 0:02:25 A Lively Discussion on Extravagant Spending 0:02:42 Women considering unconventional ways to pay off debt 0:07:06 Seeking advice outside of immediate circle of friends 0:10:13 Emotional Attachment to a Beloved Pet 0:12:39 The Impact of Depression on Decision-Making 0:17:31 The Magic Beanstalk Debt Validation Scam 0:19:19 Network Marketing: The Illusion of Passive Income 0:24:37 Credit Card Companies: You’re Just a Statistic 0:26:37 The Emotional Toll of Debt: Financial PTSD 0:32:16 A Solution to Financial Stress and PTSD 0:34:01 Facing the Reality of Financial Situation and Making Progress 0:38:52 Overcoming the Emotional Impact of Bankruptcy 0:42:47 Resources for Debt Relief and Support
Summary
In this episode, we explore the emotional impact of debt and how it affects individuals on a personal level. As hosts, we have witnessed firsthand the range of emotions that arise when people face financial struggles. One prevalent feeling is embarrassment, as clients often feel like failures when they openly confess their debt. We have also observed that some individuals, particularly women, have contemplated drastic measures like becoming escorts or prostitutes to pay off their debt. However, it’s crucial to emphasize that alternative solutions are available.
Embarrassment is a common emotion associated with debt, and many people want to keep their financial struggles a secret from loved ones. However, we highlight the fact that people are often too preoccupied with their own lives to be overly concerned about our debt. We encourage seeking support from someone outside our normal circle who won’t judge us. While feeling embarrassed about debt is normal, we should not let shame consume us. Unexpected events such as accidents or health problems can throw our financial stability off balance, and it’s essential to prioritize what truly matters.
Depression is another significant emotion that often accompanies financial struggles. We stress the importance of addressing mental health and seeking professional help to gain clarity and make better decisions. Controlling emotions is not as simple as telling someone not to be depressed, and jumping at quick-fix solutions or becoming paralyzed with analysis can worsen the situation. We caution against scams that prey on people’s vulnerability and offer false promises of immediate relief. Making informed decisions and seeking guidance is crucial.
In this episode, we also discuss the cynical perspective that banks and corporations profit off people’s emotional attachment to debt. We delve into the predatory practices of credit card companies and debt collection agencies, who often see borrowers as numbers and show little regard for their individual situations. Seeking support from hotlines or financial experts can help individuals understand the reality of dealing with debt and find effective solutions. We emphasize that banks and corporations should never be the top priority in anyone’s life.
Financial post-traumatic stress disorder (PTSD) is a common outcome for individuals who have lived through debt. We stress the importance of recognizing the symptoms, seeking support, and taking a break from overwhelming responsibilities to aid in recovery. Facing the truth of one’s financial situation is vital and can lead to smarter decision-making in the future. Technology has made tracking spending easier, eliminating the need for meticulous record-keeping of every small expense. It’s essential to understand that everyone’s financial situation is unique, and there is no one-size-fits-all solution to debt.
We also share personal experiences in this episode. The main speaker discusses embracing their bankruptcy experience and being open about it, which helped gain trust from others. They also mention their friend Damon’s bankruptcy and how they saw it as a smart move rather than a judgment. The perception of bankruptcy has evolved over time, and now more people are open about their financial struggles.
The main speaker expresses frustration with the flawed student loan system, which has caused significant harm, especially to the middle class. They highlight the alarming ease with which people can obtain loans without fully considering the consequences. They urge listeners who are experiencing any of these negative emotions to seek help and support from resources like the DamonDay or getoutofdebt.org websites, as well as previous podcasts.
To conclude, the main speaker reminds listeners that emotions may not always accurately reflect reality. It’s important to take care of oneself and have a great day.
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
Step into the time machine and jazz up your kitchen with a touch of retro magic. Decorating your kitchen isn’t just a task for the pros – it’s a cool adventure for anyone who’s up for a bit of fun and self-expression. There’s a whole world of possibilities and decorating styles waiting for you, from different ways to deck out your space to tons of styles to play with.
Sure, following trending designs is easy, but why not kick it up a notch? Throw in some timeless pieces and a few vintage finds, to create the perfect retro kitchen. Retro pieces add character and charm, turning your kitchen into a cozy spot filled with stories and nostalgia. Think of it as turning every meal into a little celebration of togetherness.
What encapsulates retro style?
It’s a blast from the past – think vintage vibes that draw inspiration from history, trends or even artistic expressions. It covers everything from music and fashion to attitudes. And guess what? You don’t have to limit yourself to the last two decades with your retro kitchen ideas – go ahead, mix and match, and make it your own.
Unleashing your inner designer with these retro kitchen ideas
Decorating your kitchen isn’t just about aesthetics; it’s about creating an experience. As you explore these retro-inspired ideas, imagine the stories each element tells. Picture the laughter around the diner-style booth, the ticking of the vintage wall clock and the timeless elegance of mid-century modern appliances. Get ready to unleash your inner retro designer and let your kitchen become a canvas for your unique style with these retro kitchen ideas.
Peel-and-stick checkboard floors
Remember those classic 1950s American diner floors? Well, now you can have them too! Go for a black-and-white checkered floor pattern to capture the epitome of nostalgia. And the best part? Peel-and-stick flooring makes it renter-friendly, so no worries about leaving a mess behind or causing any damage.
Retro gallery wall
If you’re not sure where to start, go for a gallery wall. Retro art is easy to find, whether you’re printing out funky black-and-white patterns or framing vintage family photos. It’s your chance to be the curator of your own time capsule.
Coca-Cola decor
Embrace the cool retro vibes with some Coca-Cola decor. From wall clocks to signage, make your kitchen scream “Ice-cold Coke waiting for you!” – a touch of vintage coolness that your guests will love.
Vintage wall clock
If you’re short on wall space, grab a vintage-inspired wall clock. Sure, they might be less popular these days, but they’re the perfect accessory to give your kitchen that timeless touch. Pick one with a charming design to add a dash of elegance to your space.
Vintage bar stools
Hunt for some retro treasures at your local antique store – vintage bar stools! Look for bright colors, chrome accents or vinyl upholstery that screams retro. It’s a quick way to transport your kitchen back in time.
Midcentury modern appliances
When you’re upgrading your kitchen with modern appliances that rock a retro look, it’s always a good idea to start with midcentury modern furnishings. Brands like SMEG and Forte have got you covered. They combine vintage aesthetics with cutting-edge technology, giving your kitchen that perfect blend of old-school charm and modern convenience. These retro appliances, including a retro fridge, toaster, tea kettle and other retro kitchen accessories, are an investment, meaning you can count on them to stand the test of time.
Diner-style booth furniture
Bring back the iconic diner seating from the good ol’ days. While it might be a bit tricky, corner breakfast nooks or bench seating give you that retro-inspired feel, blending nostalgia with a touch of contemporary sophistication for the perfect vintage look.
Antique lighting fixtures
Let there be light – but make it retro! Find fixtures with bright colors or funky shapes to set the mood in your kitchen. Pendant lights, in particular, come in a variety of fun retro options that’ll match your style.
The coolest spot in town is your retro-style kitchen
It’s possible to curate a kitchen that’s not just a place to cook but a living, breathing homage to the past. Your vintage-inspired haven isn’t confined by the constraints of time; it’s a space that evolves with you, adapting to new memories while preserving the magic of yesteryear. Get ready to host unforgettable gatherings and create lasting impressions in the coolest spot in town – your very own retro kitchen.
Still looking for that perfect kitchen where you’ll create culinary masterpieces and good memories? Find the perfect place in one of our available apartments.