National mortgage rates jumped for all types of loans compared to a week ago, according to data compiled by Bankrate. Rates for 30-year fixed, 15-year fixed, 5/1 ARMs and jumbo loans moved higher.
The Federal Reserve has raised rates 10 times in a row, most recently at its May 3 meeting. Rates now are at a 15-year high, but the consensus is that inflation is finally cooling and the central bank might halt raising rates.
”Mortgage rates have settled into a new normal of around 6.5 percent on a 30-year fixed-rate loan,” says Lisa Sturtevant, chief economist at Bright MLS, a large multiple listing service in the Middle Atlantic region. ”With growing recession risks, we could see mortgage rates dip lower, but we will not be returning to the 3 percent level seen during the height of the pandemic.”
Rates as of May 29, 2023.
These rates are marketplace averages based on the assumptions indicated here. Actual rates available on-site may vary. This story has been reviewed by Suzanne De Vita. All rate data accurate as of Monday, May 29th, 2023 at 7:30 a.m.
You can save thousands of dollars over the life of your mortgage by getting multiple offers. Comparing mortgage offers from multiple lenders is always a smart move, but shopping around grew especially critical during the interest rate run-up of 2022, according to research by mortgage giant Freddie Mac. It found the payoff for bargain-huntng borrowers doubled last year.
“All too often, some homeowners take the path of least resistance when seeking a mortgage, in part because the process of buying a home can be stressful, complicated and time-consuming,” says Mark Hamrick, senior economic analyst for Bankrate. “But when we’re talking about the potential of saving a lot of money, seeking the best deal on a mortgage has an excellent return on investment. Why leave that money on the table when all it takes is a bit more effort to shop around for the best rate, or lowest cost, on a mortgage?”
Mortgage rates
30-year fixed-rate mortgage rises, +0.15%
The average rate for the benchmark 30-year fixed mortgage is 7.19 percent, up 15 basis points over the last seven days. Last month on the 29th, the average rate on a 30-year fixed mortgage was lower, at 6.88 percent.
At the current average rate, you’ll pay a combined $678.11 per month in principal and interest for every $100k you borrow. That’s $10.12 higher compared with last week.
The 30-year mortgage is the most popular option for homeowners, and this type of loan has a number of advantages, including:
Lower monthly payment. Compared to a shorter term, such as 15 years, the 30-year mortgage offers lower, more affordable payments spread over time.
Stability. With the 30-year, you lock in a consistent principal and interest payment. That predictability lets you plan your housing expenses for the long term. Keep in mind: Your monthly housing payment can change if your homeowners insurance and property taxes go up or, less likely, down.
Buying power. Because you have lower payments, you can qualify for a bigger loan and a more expensive house.
Flexibility. Lower monthly payments can free up some of your monthly budget for other goals, like building an emergency fund, contributing to retirement or college tuition, or saving for home repairs and maintenance.
Strategic use of debt. Some argue that Americans focus too much on paying down their mortgages rather than adding to their retirement accounts. A 30-year mortgage with a smaller monthly payment can allow you to save more for retirement.
15-year mortgage rate trends upward,+0.19%
The average rate for the benchmark 15-year fixed mortgage is 6.61 percent, up 19 basis points since the same time last week.
Monthly payments on a 15-year fixed mortgage at that rate will cost approximately $877 per $100k borrowed. The bigger payment may be a little more difficult to find room for in your monthly budget than a 30-year mortgage payment would, but it comes with some big advantages: You’ll save thousands of dollars over the life of the loan in total interest paid and build equity much more quickly.
5/1 adjustable rate mortgage moves upward, +0.13%
The average rate on a 5/1 adjustable rate mortgage is 6.00 percent, adding 13 basis points over the last 7 days.
Adjustable-rate mortgages, or ARMs, are mortgage terms that come with a floating interest rate. To put it another way, the interest rate can change periodically throughout the life of the loan, unlike fixed-rate mortgages. These loan types are best for people who expect to refinance or sell before the first or second adjustment. Rates could be considerably higher when the loan first adjusts, and thereafter.
While borrowers shunned ARMs during the pandemic days of super-low rates, this type of loan has made a comeback as mortgage rates have risen.
Monthly payments on a 5/1 ARM at 6.00 percent would cost about $600 for each $100,000 borrowed over the initial five years, but could increase by hundreds of dollars afterward, depending on the loan’s terms.
Current jumbo mortgage rate moves upward, +0.11%
The current average rate you’ll pay for jumbo mortgages is 7.20 percent, up 11 basis points from a week ago. This time a month ago, the average rate on a jumbo mortgage was below that, at 6.96 percent.
At the current average rate, you’ll pay a combined $678.79 per month in principal and interest for every $100,000 you borrow. That’s an additional $7.43 per $100,000 compared to last week.
Recap: How mortgage rates have shifted
30-year fixed mortgage rate: 7.19%, up from 7.04% last week, +0.15
15-year fixed mortgage rate: 6.61%, up from 6.42% last week, +0.19
5/1 ARM mortgage rate: 6.00%, up from 5.87% last week, +0.13
Jumbo mortgage rate: 7.20%, up from 7.09% last week, +0.11
Interested in refinancing? See rates for home refinance
Current 30 year mortgage refinance rate trends upward, +0.13%
The average 30-year fixed-refinance rate is 7.25 percent, up 13 basis points over the last week. A month ago, the average rate on a 30-year fixed refinance was lower, at 6.99 percent.
At the current average rate, you’ll pay $682.18 per month in principal and interest for every $100,000 you borrow. That’s $8.80 higher compared with last week.
Where mortgage rates are headed
The days of sub-3 percent mortgage interest on the 30-year fixed are behind us, and rates have so far risen beyond 7 percent in 2022.
“Low interest rates were the medicine for economic recovery following the financial crisis, but it was a slow recovery so rates never went up very far,” says McBride. “The rebound in the economy, and especially inflation, in the late pandemic stages has been very pronounced, and we now have a backdrop of mortgage rates rising at the fastest pace in decades.”
Comparing mortgage options
The 30-year fixed-rate mortgage is the most popular loan for homeowners. This mortgage has a number of advantages. Among them:
Lower monthly payment: Compared to a shorter term, such as 15 years, the 30-year mortgage offers lower payments spread over time.
Stability: With a 30-year mortgage, you lock in a consistent principal and interest payment. Because of the predictability, you can plan your housing expenses for the long term. Remember: Your monthly housing payment can change if your homeowners insurance and property taxes go up or, less likely, down.
Buying power: With lower payments, you can qualify for a larger loan amount and a more expensive home.
Flexibility: Lower monthly payments can free up some of your monthly budget for other goals, like saving for emergencies, retirement, college tuition or home repairs and maintenance.
Strategic use of debt: Some argue that Americans focus too much on paying down their mortgages rather than adding to their retirement accounts. A 30-year fixed mortgage with a smaller monthly payment can allow you to save more for retirement.
That said, shorter-term loans have gained popularity as rates have been historically low. Although they have higher monthly payments compared to 30-year mortgages, there are some big benefits if you can afford the upfront costs. Shorter-term loans can help you achieve:
Greatly reduced interest costs: Because you pay off the loan faster, you’ll be able to pay less interest overall.
Lower interest rate: On top of less time for that interest to compound, most lenders price shorter-term mortgages with lower rates.
Build equity faster: The faster you pay off your mortgage, the faster you’ll own value in your home outright. That’s especially handy if you want to borrow against your property to fund other spending.
Debt-free sooner: A shorter-term mortgage means you’ll own your house free and clear sooner than you would with a longer-term loan.
Determining how much house you can afford
If you’re not sure how much of your income should go toward housing, follow the traditional 28/36 percent rule. Most financial advisers agree that people should spend no more than 28% of their gross income on housing (i.e., your mortgage payment or rent), and no more than 36% of their gross income on total debt, including mortgage payments, credit cards, student loans, medical bills and the like. Calculate how much house you can afford and determine your monthly payments.
Today we’ll take a look at the top mortgage lenders in Colorado.
Interestingly, the top lender in the state isn’t a direct lender or a depository bank.
In fact, aspiring home buyers and existing homeowners can’t even work with this company directly.
Instead, they’ll need to work with an intermediary to access the loan programs offered by this behemoth of a mortgage company.
This company was also the top mortgage lender in the state of Arizona, giving them a strong foothold in the Mountain West region of the United States.
Top Mortgage Lenders in Colorado (Overall)
Ranking
Company Name
2021 Loan Volume
1.
UWM
$11.7 billion
2.
Rocket Mortgage
$9.5 billion
3.
Chase
$8.5 billion
4.
Wells Fargo
$4.6 billion
5.
U.S. Bank
$4.6 billion
6.
Homepoint
$4.5 billion
7.
Fairway Independent
$4.2 billion
8.
American Financing
$4.1 billion
9.
Pennymac
$4.0 billion
10.
loanDepot
$3.9 billion
As alluded to, the top Colorado mortgage lender last year was actually a wholesale lender that works with mortgage brokers.
This runs counter to the more traditional retail lending channel offered by big banks and household lenders like Rocket Mortgage.
Yet somehow United Wholesale Mortgage (UWM) managed to beat the competition quite easily with $11.7 billion in loan origination volume, per HMDA data from Richey May.
That was more than enough to take out national #1 overall Rocket Mortgage’s $9.5 billion, and JPMorgan Chase’s $8.5 billion.
In order to work with UWM, you’d need to enlist a mortgage broker that is approved to do business with UWM.
Seeing that UWM is the largest wholesale mortgage lender in the nation, most mortgage brokers are.
Another advantage to using a mortgage broker is that they will likely be approved with several companies, so it may turn out that they have a better option beyond UWM.
For the record, Rocket Mortgage also operates a wholesale unit so a broker could be working with both simultaneously and send your loan to the one offering the best price.
Moving on, a pair of depository banks took fourth and fifth, Wells Fargo and U.S. Bank, both with roughly $4.6 billion each.
The rest of the top 10 featured a slew of nonbank lenders, including Homepoint, Fairway Independent Mortgage, American Financing Corp., Pennymac, and loanDepot.
American Financing Corp. is the only Colorado-based mortgage lender on the list, headquartered in Aurora, just east of Denver.
Top Mortgage Lenders in Colorado (for Home Buyers)
Ranking
Company Name
2021 Loan Volume
1.
UWM
$4.7 billion
2.
Chase
$3.9 billion
3.
Fairway Independent
$2.7 billion
4.
FirstBank
$2.1 billion
5.
U.S. Bank
$2.1 billion
6.
Cherry Creek Mortgage
$1.9 billion
7.
Rocket Mortgage
$1.7 billion
8.
Wells Fargo
$1.6 billion
9.
loanDepot
$1.5 billion
10.
Guaranteed Rate
$1.4 billion
If you’re thinking about buying a home, you might be curious who the top lenders are for home purchase loans.
Some mortgage lenders specialize in both purchase loans and refinances, while others focus on just one.
When we narrow it down to just purchase transactions, UWM still retained the lead with $4.7 billion funded.
That was enough to keep Chase’s $3.9 billion at bay, and more than enough to conquer Fairway Independent Mortgage’s $2.7 billion.
Coming in fourth was Colorado’s own FirstBank with $2.1 billion, which has over 100 locations in The Centennial State.
U.S. Bank snagged fifth with roughly the same amount funded during the year.
Local mortgage banker Cherry Creek Mortgage took sixth with $1.9 billion, followed by Rocket Mortgage, Wells Fargo, loanDepot, and Guaranteed Rate.
Always good to see some local names on these lists – and it makes more sense to be in this category as home buyers tend to gravitate to more native companies for big life decisions.
Top Refinance Lenders in Colorado (for Existing Homeowners)
Ranking
Company Name
2021 Loan Volume
1.
Rocket Mortgage
$7.7 billion
2.
UWM
$7.0 billion
3.
Chase
$4.5 billion
4.
American Financing
$3.7 billion
5.
Freedom Mortgage
$3.3 billion
6.
Homepoint
$3.3 billion
7.
Wells Fargo
$2.9 billion
8.
Pennymac
$2.7 billion
9.
loanDepot
$2.5 billion
10.
Newrez
$2.4 billion
When it came to mortgage refinancing, Detroit-based Rocket Mortgage ruled the roost with $7.7 billion funded last year in the state.
However, their crosstown rival UWM (also from Michigan) wasn’t far off with $7.0 billion funded.
If Rocket served more home buyers in Colorado, they could have challenged the top spot overall.
Coming in third was Chase with $4.5 billion, followed by local mortgage banker American Financing Corp. with $3.7 billion.
And rounding out the top five was Freedom Mortgage with $3.3 billion. They tend to excel when it comes to refinance loans.
Others in the top 10 refinance list included Homepoint, Wells Fargo, Pennymac, loanDepot, and Newrez.
Top Mortgage Lenders in Denver
Ranking
Company Name
2021 Loan Volume
1.
UWM
$7.2 billion
2.
Rocket Mortgage
$5.4 billion
3.
Chase
$5.2 billion
4.
American Financing
$3.0 billion
5.
Fairway Independent
$2.8 billion
6.
U.S. Bank
$2.8 billion
7.
Homepoint
$2.8 billion
8.
Wells Fargo
$2.4 billion
9.
loanDepot
$2.3 billion
10.
Newrez
$2.0 billion
Top Mortgage Lenders in Colorado Springs
Ranking
Company Name
2021 Loan Volume
1.
Ent Credit Union
$1.8 billion
2.
UWM
$1.4 billion
3.
Freedom Mortgage
$1.3 billion
4.
Pennymac
$1.2 billion
5.
Rocket Mortgage
$1.2 billion
6.
NBH Bank
$615 million
7.
Cherry Creek Mortgage
$557 million
8.
Homepoint
$493 million
9.
loanDepot
$468 million
10.
Chase
$450 million
Top Mortgage Lenders in Fort Collins
Ranking
Company Name
2021 Loan Volume
1.
UWM
$550 million
2.
Cornerstone Home Lending
$543 million
3.
Rocket Mortgage
$510 million
4.
Chase
$344 million
5.
First National Bank of Omaha
$342 million
6.
U.S. Bank
$275 million
7.
Elevations CU
$267 million
8.
First Western Trust Bank
$259 million
9.
Homepoint
$258 million
10.
loanDepot
$249 million
Top Mortgage Lenders in Boulder
Ranking
Company Name
2021 Loan Volume
1.
Elevations CU
$1.2 billion
2.
Chase
$720 million
3.
UWM
$558 million
4.
Rocket Mortgage
$510 million
5.
Cherry Creek Mortgage
$398 million
6.
Wells Fargo
$348 million
7.
FirstBank
$305 million
8.
Homepoint
$259 million
9.
Guaranteed Rate
$247 million
10.
loanDepot
$216 million
Are Colorado’s Top Mortgage Lenders Also the Best Choice for Homeowners?
While size can matter when it comes to choosing a mortgage lender, it isn’t always a major consideration.
As noted, the top mortgage lender in Colorado isn’t even a retail company. They operate solely via the business-to-business, wholesale lending channel.
This means working with a smaller mortgage brokerage if you get a loan from UWM, which could be a single individual running their own shop.
Additionally, only one Colorado-based lender made the top-10 list, American Financing Corp.
So if you want a local lender, they might not even feature in these lists. And that’s totally fine, as long as they’re financially sound and above board.
Sure, you might find that the largest lender is also the one you like best, but they don’t necessarily need to be big to get the job done.
As always, take your time, do your research, obtain multiple quotes, and ask lots of questions before you proceed.
California Democrats carved out the Dream for All money to help first-time buyers. The funds ran out after just 11 days with the average loan hitting $112,000.
Lea este artículo en español.
California lawmakers marketed its new loan program for first-time home buyers as a “Dream For All.”
But just 11 days after applications opened, the initial pot of money is tapped out, sucked dry by eager house hunters. It turns out the dream was only for a lucky couple thousand borrowers — a disproportionate number of them white, non-Latino and living in the Sacramento area.
The Dream for All program was paused on April 6, less than two weeks after the California Housing Finance Agency said it would make the program available to lenders. About $288 million in initial funding will be provided to 2,564 homebuyers, according to an internal document obtained by CalMatters.
exchange for a share in the home’s value when it is sold, refinanced or transferred. If the home appreciates in value, those gains to the state would then be used to fund the next borrowers.
The program was meant, in part, to help address California’s ethnic and racial wealth gap, with Black and Latino families having fewer net assetsthan the national average. Participation in the program was limited to households earning less than 150% of median earnings in their county. According to the initial characteristics shown in the agency document obtained by CalMatters, roughly two-thirds of the beneficiaries went to those making less than $125,000. The average loan was a little more than $112,000.
But those figures also show that the program was disproportionately used by white homebuyers. Senate President pro Tempore Toni G. Atkins, of San Diego, said in a statement Monday that the program was intended to reach those historically shut out of the housing market.
“While this program has been immensely successful in getting new homebuyers into the market quickly and in places with low homeownership rates like the Central Valley, clearly more work needs to be done to make sure that there is statewide awareness, particularly in communities of color,” Atkins said.
Learn more about legislators mentioned in this story
Toni Atkins
State Senate, District 39 (San Diego)
Expand for more about this legislator
State Senate, District 39 (San Diego)
Time in office
2016—present
Background
Small Businesswoman
How she voted 2021-2022
Liberal Conservative
District 39 Demographics
Voter Registration
No party
24%
Campaign Contributions
Sen. Toni Atkins has taken at least $29,015
from the Health
sector since she was elected to the legislature. That represents 9%
of her total campaign contributions.
The fact that the program ran out of cash in a two week spree speaks to just how voracious demand is for housing in California. It also suggests that some of the people who made use of the program were already well into the house hunting process.
That raises an important question: How many of the people who benefited from the loan program actually needed the help and how many would have purchased a home anyway?
“I would guess that 30 to 50% of the people who are using it could qualify or buy without it because I had plenty like that,” said Matt Gougé, a Sacramento loan officer, referring to his own clients.
Ryan Lundquist, a Sacramento appraiser and real estate analyst, said the demographics and current price trends across the region make Sacramento County “a prime target for first time buyers” and therefore a natural beneficiary of the program.
Gougé, the local loan officer, said news of the program spread by word-of-mouth throughout the capital community in the days before the state officially launched the program on March 27. The regional rumor mill may have been churning especially quickly given how much more plugged-in locals are to matters of state bureaucracy.
“Sacramento and the surrounding area’s loan officers and Realtors probably got a jump start,” he said.
While the initial funding for the program might be tapped out, the size and scope of the Dream for All program will likely be a subject of negotiations between Gov. Gavin Newsom and the overwhelmingly Democratic Legislature. In January, Newsom proposed a significantly smaller version of the 10-year, $10 billion program originally envisioned by Sen. Atkins. The governor proposed spending an initial $300 million on the program, a cut from the $500 million compromise signed last year.
Atkins, in her statement, told CalMatters that she was seeking to get more funding for the program in upcoming budget negotiations. The governor is expected to offer a revised state spending plan and a new financial forecast in May. Lawmakers must pass a balanced budget by June 15 in order to get paid.
Texas has a reputation for vast landscapes, strong cowboy culture and vibrant college towns. Home to numerous prestigious universities, the state boasts a rich history, thriving arts scenes and lively sports culture, making the college towns featured on this list the best in the Lone Star State.
Austin, the capital city of Texas, is not only the political hub of the state but also a bustling college town. Home to the University of Texas at Austin, one of the largest and most prestigious public universities in the nation, Austin has a youthful, innovative vibe that has attracted countless students, artists and entrepreneurs over the years. The city’s thriving music scene, diverse eateries and countless outdoor activities make it a haven for college students and young professionals alike. Additionally, Austin’s famous Sixth Street and South Congress neighborhoods offer an array of bars, restaurants and shops, ensuring that there is always something fun to do in this bustling college town.
The city also boasts a variety of attractions that bolster its status as one of the best college towns in Texas and the country. The Texas State Capitol and the Blanton Museum of Art are just a couple of the many landmarks that showcase the rich history and vibrant arts scene of the city. Moreover, Austin’s Zilker Park and Lady Bird Lake provide ample opportunities for outdoor fun, from hiking and biking to paddleboarding and kayaking. All these features make Austin a lively and dynamic college town that is undeniably hard to beat.
Home to Texas A&M University, College Station is another college town in Texas that’s worth exploring. The city’s friendly atmosphere, strong sense of community and unwavering Aggie pride make it an ideal place for students and residents alike to lay down roots. College Station’s Northgate district is a popular destination for nightlife and entertainment, featuring a wide selection of bars, restaurants and live music venues. The city also boasts numerous parks, like the 5-acre Wolf Pen Creek Park, which hosts various events throughout the year and houses a beautiful amphitheater and miles of walking trails.
In addition to its lively social scene, College Station is also known for its commitment to academics and research. The George H.W. Bush Presidential Library and Museum, located on the Texas A&M campus, is a testament to the city’s dedication to preserving history and fostering education. College Station also offers numerous opportunities for students and residents to engage with the community through volunteer work and local organizations, further strengthening the bond between the university and the city. This close-knit atmosphere makes College Station a welcoming and supportive college town for all.
Located halfway between Austin and San Antonio, San Marcos is home to Texas State University. This picturesque college town in Texas is nestled along the banks of the San Marcos River, providing plenty of opportunities for outdoorsy types to enjoy tubing, kayaking, swimming and more. The city’s charming downtown area is home to a wide variety of shops, restaurants and bars that cater to the ever-present student population. San Marcos is also known for its thriving arts scene, which includes galleries, studios and the annual Mermaid Festival.
In addition to its natural beauty and artistic flair, San Marcos has a rich history that contributes to its appeal as a college town. The city is home to several historical landmarks, like the LBJ Museum of San Marcos, which chronicles the life and legacy of President Lyndon B. Johnson. Texas State University also houses the Wittliff Collections, which feature Southwestern and Mexican photography, literature and music.
Situated in West Texas, Midland is home to both Midland College and the University of Texas Permian Basin. This Texas college town boasts a unique combination of small-town charm and big-city amenities. As a hub for the oil and gas industry, Midland offers numerous lucrative employment opportunities for recent graduates. The city is also committed to fostering arts and culture, with attractions like the Midland-Odessa Symphony & Chorale and the Museum of the Southwest. In addition, the Wagner Noël Performing Arts Center, located in nearby Odessa, hosts a variety of concerts, theatrical performances and other live events throughout the year.
Midland’s warm climate and sunny weather make it an ideal location for outdoor activities. The city features several recreational areas, like the I-20 Wildlife Preserve and the Sibley Nature Center, which offer opportunities for hiking, birdwatching and exploring the unique West Texas landscape. Midland’s downtown area is also undergoing revitalization, with new restaurants, bars and shops opening regularly, creating a lively atmosphere for students of all interests. With its thriving job market, commitment to the arts and beautiful natural surroundings, Midland is one of the most enticing college towns in Texas.
Fort Worth is a city steeped in history and Western heritage. As the home of Texas Christian University (TCU) and Texas Wesleyan University, Fort Worth provides students with a unique and exciting college experience. The city’s world-class museums, such as the Kimbell Art Museum and the Modern Art Museum of Fort Worth, provide incredible inspiration for aspiring artists. Additionally, the famous Fort Worth Stockyards offer a taste of the city’s cowboy roots, with rodeos, cattle drives and Western-themed shops and restaurants.
Fort Worth’s West 7th Street district is a popular destination for college students, boasting a large selection of bars, restaurants and live entertainment venues. The city also has a thriving music scene, with places like Billy Bob’s Texas and Fort Worth Live showcasing local and national talent. For outdoor enthusiasts, the Trinity River provides a scenic backdrop for kayaking, canoeing and paddleboarding, while the nearby Fort Worth Nature Center and Refuge offers hiking and wildlife viewing opportunities. With its rich history, lively social scene and myriad cultural attractions, Fort Worth is an ideal Texas college town.
A quaint town located in the Texas Panhandle, Canyon is home to West Texas A&M University. This charming college town has a friendly, close-knit community atmosphere with a strong focus on academics and personal growth. Canyon’s downtown square features an assortment of shops, restaurants and galleries, as well as the historic Tex Randall statue, a beloved local landmark. The city is also committed to promoting arts and culture, with institutions like the Panhandle-Plains Historical Museum and the outdoor musical drama ‘TEXAS,’ which is performed in the nearby Palo Duro Canyon State Park during the summer months.
Canyon’s stellar location near the breathtaking Palo Duro Canyon makes it a haven for outdoorsy types. Students and residents can easily explore the stunning natural beauty of the canyon by hiking, mountain biking or horseback riding. The city also hosts a variety of community events throughout the year, including the Fourth of July Celebration and the Canyon Chamber Chow-Down BBQ Cook-Off.
Now’s the time to find an apartment in a Texas college town
The Lone Star State houses a variety of fantastic college towns, each with its own unique character and charm. From the bustling streets of Austin and the strong sense of community in College Station to the picturesque riverbanks of San Marcos and the Western heritage of Fort Worth, there’s a college town in Texas that’s perfect for everyone. These vibrant and dynamic communities provide students and residents with a rich tapestry of cultural, recreational and educational opportunities that truly make Texas a remarkable place to call home.
Inside: Trade and Travel is a legitimate investing course to learn how to make money in the stock market. See my personal view as a student.
I have been in the personal finance industry for a long time and have watched gurus with CFP and many more designations struggle to make money consistently in the stock market.
There are many concepts on how to trade the stock market.
Teri’s IWT system works.
It’s legit.
I’m a part of her investing course. I have seen the results. $1000 a day club in my LIVE account. Yes.
So, you get to read my Invest with Teri review first.
Teri is able to break down investing into the stock market like no one else I have seen.
You can read a book or blog and find many different concepts that work for them. Then, walk away with your head spinning and quit on the idea of trading and lose a bunch of money along the way. This is why most people leave it to professionals (which is a mistake with that pesky 1% asset management fee).
The Invest with Teri Method is a 7 Step Process that simplifies how to invest in the stock market.
She goes into detail on each of the seven steps to make sure you pick the right companies, limit your risk, know when to buy, and when to take profit.
Plus you have access to a private Facebook group and countless hours of coaching calls to really understand the IWT method.
This is how I am choosing to finance the life I want.
Okay, now that we got that out of the way… let’s dig into the details of the Invest with Teri review and learn how to travel and travel.
This is what you want? Right?
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Enough sitting on the sidelines… read this IWT review and then sign up today.
Honestly, if you have any money in the stock market, you need to take this course to understand the fundamentals.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What Are Online Stock Trading Classes?
If you’re interested in taking stock trading classes, there are a few things to consider before jumping into the world of investing. Stock trading is an investment that can be profitable if done correctly and is a way to grow your money.
Stock trading courses are a great way for newcomers to learn about the stock market. Also, courses are fantastic for those who want to refine their investing skills or maybe stop the bleed of money from trying on their own.
The Invest with Teri Ijeoma course provides a more structured learning path and can help you avoid some of the common mistakes made by novice traders.
In order to get the most out of a stock trading course, it is important to find one that matches your individual needs and goals. Plus one that can offer support and guidance because learning to trade is a learning curve.
Who Should Take Stock Trading Classes?
It is possible to learn the ins and outs of stock trading on your own without taking any classes.
However, for those who want a more structured learning experience, or for those who want to have access to a community of traders, stock trading classes can be a great option.
Taking stock trading classes can be a great idea for people who are interested in getting into the industry. The stock market is one of the most popular industries to get involved with, so it is likely that you’ll want to pursue a side hustle that may lead to a career in this field.
There are many different types of stock trading classes available, so it is important to do your research and find the one that best suits your needs.
Even if you are an index fund investor doing it on your own, this investing class is great knowledge to understand how the market works beyond “I hope it keeps going up.”
Must Read: How To Invest In Stocks For Beginners: Investing Made Easy
Trade and Travel 2.0
Right now, Teri and the rest of her coaches are doing a MAJOR overhaul on the signature course.
Her design team is currently working really hard to create an updated look and feel so you can experience Trade and Travel even better than before.
However, there will be changes – some we know about and some we don’t.
What we Know Today:
A significant Price increase happened (like double to $10k)
Shorting and gaps will be included in the main Trade and Travel course.
Limited time support on coaching calls. (However, a subscription model for additional coaching will be available.)
What You’ll Learn in the Trade and Travel 1.0 Course
The Trade and Travel course is an online course that will teach you everything you need to know about the world of trading, and more!
First of all, Invest with Teri along with Trade and Travel are used interchangeably. They are both the same AMAZING course that will teach you to make money in the stock market.
You will learn the Teri Ijeoma trading strategy.
The Invest with Teri 1.0 course is divided into two sections:
Travel & Travel – This is the basic course to understand fundamentals and to learn how to make money as the stock market goes up.
VIP Program – This is an advanced course that covers shorting, gaps, and options.
The great news… you can start with the basic Trade & Travel program and upgrade to VIP at a later date.
If any of this sounds foreign to you, Teri is one of the best teachers I have ever met. She breaks break down investing in the stock market like no one else I have seen. She is able to take difficult concepts and make them easy.
Simply put, Teri offers a course that teaches you everything you need to know about investing.
Later, in this Invest with Teri review, I will detail the difference between the two courses and what you will learn.
Teri’s Purpose of Trade and Travel – Financial Independence
The purpose of the course is to help students learn how to generate wealth.
Students can use the extra income earned from the course to supplement their income, pay off debt, or save so they can solidify their financial independence.
There is no doubt that in order to achieve financial independence, you need to invest in yourself. This means learning new skills, working on your mindset, and making smart choices with your money.
With a positive attitude and a determined spirit, anything is possible!
Want to Learn More about Investing?
How do you trade with Teri?
The privilege to have one-on-one coaching with Teri herself is very rare. However, she is known to offer group mastermind sessions for her VIP students.
So, in order to trade with Teri, you must enroll in the full $5000 course and wait for the next opportunity to trade with her.
Trade And Travel Program
The Trade and Travel program is the fundamental part of the investing course. This section will teach you the basics of the stock market and how to make money on the way up.
Teri’s trading strategies focus on risk management and she has seen many of her students achieve success with trading.
To be upfront in this Trade and Travel review, you will learn:
Learn how to pick stocks
Understand how the stock market works and how you can make money off it
Recognize why risk management is the most important aspect of trading
Understanding how to read charts
Learn the best places to buy and sell a stock could be
Be able to tell the story of the candles
Understand if your stock trade has a strong likelihood of being profitable
Determine how many stocks to buy based on your risk tolerance
How to place a trade at your brokerage
Manage your trade and exit based on your trading plan
That is a highlight of what you will learn in the basic Trade and Travel program.
Trade And Travel VIP Investor Program
The VIP program is the advanced piece of the course once you learn the fundamentals of the Trade and Travel program.
For those looking to upgrade to the VIP program, you will learn:
Make money when the market goes down.
How does shorting the stock work
When to look for gaps and what they mean
What is globex?
Options! This is everyone’s favorite part of the course!
Understand how to make money with option contracts
Risk management with options
Plus so much more!
Plus you can rewatch all of the curriculum and coaching calls over and over until you get it. That aha moment!
Both Travel & Travel and VIP offer live zoom training each week. Plus there is a vault of recording coaching calls to review.
Supportive Trading Community
Teri has built a supportive trading community of fellow students who have gone through the course.
Each trade cuzzin offers encouragement, advice, moral support, and feedback to each other.
This supportive community can help people overcome their anxiety and doubts when trading and investing.
You can find this supportive community on Facebook groups, Telegram groups, Clubhouse clubs, local meetups in your city, and people have connected to create a mastermind group. Honestly, there are plenty of people available to make sure you are successful on your journey.
Don’t forget… There are weekly live calls and chart parties.
This is how many people have turned 10k into 100k.
My Personal Trade and Travel Reviews
This is one of the best educations I have received.
My biggest regret is that I did not enroll in the course sooner (same as the time before I upgraded to VIP).
In all honesty, this course is a better education than spending hundreds of thousands on a college degree.
Personally, I meet Teri during FINCON, a huge conference for personal finance content creators and brands.
I loved how Teri spoke during her presentation and quickly reached out to learn more about her Invest with Teri course. Also, I was intrigued by the $1000 in a day club.
As always, I investigate every single company or platform that I recommend.
Obviously, this course has an eye-shocking price tag when you first see it. However, once you start earning your money back, you quickly realize how undervalued her course is.
As I always tell my readers… if I wouldn’t put my time, energy, or money on the line, then I am not going to tell you about it. I will only recommend products, services, and courses only that I truly know that work.
My View as a Trade and Travel Student
After a few months of debate if I could afford to spend the money on this investment course…
I became a Trade and Travel student in February 2021.
As outlined above, the course is jam-packed with information. I thought with my background in personal finance I would have a leg up over the others. However, I quickly learned that I need to view the stock market from Teri’s point of view and put blinders on to others’ opinions or styles of trading.
There are a ton of ways to make money in the stock market. This is one of them.
You can google and probably find many more investment courses and rabbit holes to follow. Investing is one of the most popular Reddit Personal finance topics. People want to learn to trade and most are looking to be fed information.
You have heard that saying, “teach a man to fish and he will never go hungry.”
The same holds true for completing this course, “Teach a trader to make money and you will be more profitable than your dreams.”
The best thing about life is you get to decide what you want to do, spend your time, and budget your money. Investing in this course is a big pill to swallow and I get it. However, I would not be so adamant about telling others about this course since I see a path for people to stop the stress with money.
I am successful with trading. Now, it is your turn to become successful.
This is by far the best investing course I have ever seen. 1000% recommended by me personally.
$1,000 In A Day Club
Here is proof. I made the $1k club in my live account and $10K in SIM.
I am a part of the trading community.
What exactly is the $1000 in a day club?
This exclusive club is for those traders who have made over $1k in a day.
Many IWT traders have received this plaque and part of this $1000 in a day club.
If you want to invest money and make $1000 a day this is how to start.
This is how I am choosing to finance the life I want.
Get one step closer to reaching your dreams and financing your life!
How Long Does It Take to Learn to Trade Stocks?
The time it takes to learn how to trade stocks depends on your personal learning style.
It typically takes 2 to 3 years to learn how to trade stocks.
By taking an in-depth course, you can shorten your learning curve.
Teri’s Approach to Learning to Trade Stocks
More importantly, the results you see trading stocks will depend on the effort put in to learn the curriculum, manage the trade, minimize your risk, and prepare your mindset.
Teri’s goal for her student is to earn 1% of our capital consistently.
This is not a get-rich-quick scheme. You have to put in the hard work to reap the benefits (aka profit).
For example, some people learn better by reading and others prefer watching videos. Some people may find that they learn best by following an instructor in a live trading room.
Who is Teri Ijeoma?
How many years of trading experience does Teri have?
Teri Ijeoma has over 10 years of trading experience.
Once she left her job as an elementary school assistant principal, she took off to travel the world. Those around her started asking questions and she taught her first group of students in Thailand.
Teri enjoys enlightening people on investing strategies and is passionate about building wealth.
Combining her trading experience with her teacher background, Teri is a talented educator in the investing world.
Teri has been featured on Forbes, NBC, CBS, ABC, Black Enterprise, Yahoo Finance, Business Insider, Fox News, Comcast – just to name a few!
She thrives by teaching others how to invest, so they can afford the life of their dreams.
Teri has made significant amounts of money through trading and is motivated by helping others achieve success.
Check out Teri discussing her $1,000,000 in a day profit. Yes, one million dollars in a day!
I’m scared to lose my real money trading. Can I still take the course?
Don’t want to risk your money, but are curious?
You can practice in a simulated account before you move to real money. Then, you can make mistakes. Learn from those mistakes. Understand how the stock market moves. Make wins.
The bottom line you can make real money in the stock market. You just have to be armed with knowledge and a trading system that works.
That is why most people lose money in the stock market! They don’t understand how the stock market works. They have poor risk management strategies and tend to select the wrong companies to trade with.
In the Trade and Travel course, you will walk away with so much investment knowledge and support from other people in the course to be successful.
Afraid to trade individual stocks? Teri’s process works with ETFs too!
Is Invest with Teri Reviews Reddit? Is this a scam?
As with any popular r/personalfinance thread, this is one that comes up often…is Invest with Teri legit?
There is a lot of mixed information on the web when it comes to Invest with Teri.
Some people have had great experiences and made a lot of money, while others have had negative experiences and lost money.
Since I have been forthcoming that I am a student of her course, I would recommend active trading as a way to supplement your income.
However, you must be willing to put in the time and effort to see the results.
And honestly, that is where most people give up because you must put in the effort.
At Invest With Teri, they believe anyone can learn how to invest and generate income through investment. They offer a variety of courses on how to invest, as well as a community of support to help you get started.
Their program has helped people from all backgrounds achieve their financial goals.
Did this Trade and Travel Review Convince You?
Teri Ijeoma is a millionaire trader and coach who shares her tips and tricks for success.
Trading is a skill that can be learned, and with the right education, anyone can do it successfully.
Trading is not a get-rich-quick scheme – it takes time and effort to learn.
Don’t waste your time or money on being a self-taught trader. Take a course from an expert.
I am part of this trading community and so excited to be a trade cuz!
Start building another income stream for yourself.
Invest with Teri Ijeoma teaches you how to make a lot more money than you currently are. Very possibly, trading can help you replace your current income or even exceed it
To be successful, you need to invest in this investing course, develop a solid trading plan and stick to it.
Get one step closer to reaching your dreams and financing your life!
Be the first to know when Teri releases a coupon code for her Invest with Teri course.
Do you have an Invest with Teri Coupon?
It is VERY rare that Teri puts out a coupon code.
However, if she does, I always notify my email list who have been on the fence about enrolling.
Typically, these coupon codes are valid for a limited time only.
Trade and Travel FAQs
Obviously, you are doing your due diligence before enrolling in this course, which I completely understand. I did too! I spent a lot of time researching prior to enrolling in this course.
Here are answers to the most asked questions about Invest with Teri, Trade and Travel, VIP program, as well as Teri Ijeoma.
Is the Trade and Travel course for new investors?
Yes, the Trade and Travel course is for both new investors and experienced investors.
Honestly, you are more likely to lose money in the stock market by trading on your own rather than spending money on the best investing course available.
The course is designed for everyone, regardless of experience level.
There are different courses available within the program for more advanced students (like shorting and options).
How long does the program take to complete?
You can complete the course within a weekend if you binged watch everything.
However, it takes 8 weeks to thoroughly go through the curriculum.
The main Trade and Travel course is broken down into sections, and modules include videos, tutorials, pdf worksheets, quizzes, and more.
The course instructor, Teri Ijeoma, estimates that it will take 8 weeks to complete the online course material before you begin trading.
In addition, there are plenty of coaching calls, which are filled with gems of information that you can watch.
This investing course is much like obtaining a college degree. The more you study, the better results you will have.
What will I learn in Invest with Teri course?
You will learn how to trade stocks and options based on her Invest with Teri method.
This is a solid, effective investing strategy.
Learning how to effectively trade stocks and make 1% consistently is the goal. This is higher than the market returns on any given day.
How much does Teri ijeoma course cost?
The cost of the Trade and Travel 2.0 course is $10000.
In addition, there is a payment plan available that allows you to pay in installments which is a great option without interest or hidden fees.
Honestly, this investing course is undervalued given the amount of knowledge you will gain.
Is there a payment plan?
Yes, there is a payment plan.
This is a great way to invest in the program with an affordable payment plan based on what you can pay today.
Right now, you can start the course with Payment Plans as LOW as $208/Month.
Can I purchase the Trade and Travel course and upgrade to the VIP program later?
Yes, you can always upgrade to VIP and pay the $2,500 difference. This is something you can do at any time.
I purchased the course to learn the basics and when I made money to pay for the VIP course I upgraded. Many students have done the same.
My gem of advice… eventually, you need to upgrade to VIP to fully understand the chart analysis as well as make money on the way down.
How much money do I need to start trading?
Many students start with $500.
This question is very difficult to answer because it depends on your personal finance situation and the type of trading you want to do.
The best advice is to start small and grow your account.
Trading stocks and options come with risk as such you must recognize that it is possible to lose all of your trading money.
Personally, I recommend starting with the amount you are comfortable losing. For me, I started with $3000.
Again, you do not need a lot of money to start trading. Check out this interview with Chris Calvin (aka Trade with Coach). He started with $500 and quickly grew it to 5 figures!
What trading platform does Teri Ijeoma use?
In her Trade and Travel course, she reveals which brokerages she has used in the past.
Right now, she is known to use Tradestation.
Recently, in her 5 Day Take the Trade Live Challenge, she set up a brokerage account with TD Ameritrade.
Do I have to attend coaching calls live?
You don’t have to attend coaching calls live. Also, all of the live trainings are recorded except the weekly Trade and Travel Q&A.
By attending a live coaching call, you have the opportunity to ask questions and get help from the instructor.
You can access the class recordings at your convenience once the coaching call is uploaded.
Personally, I attend the VIP coaching calls live to get the best out of the experience.
Remember, if you miss a class, you can always watch the recording later. You will have lifetime access to the coaching call recordings.
How long do you have access to the curriculum?
LIFETIME ACCESS!
You will have lifetime access to the curriculum.
That is pretty amazing to have these resources available forever.
You can review the curriculum as many times as you like.
Personally, I have gone back and reviewed many modules and coaching calls again (and again).
Is there a Facebook group? How long do you have access?
In fact, there are two Facebook groups for students that are run by the IWT coaching staff.
One Facebook group focuses on the general IWT method and the other is specific to VIP strategies.
In addition, there is a Trade and Travel sponsored Telegram group.
These Facebook groups are a great way to connect with other students and to learn from each other.
You have access to the group for as long as you are enrolled in the course.
What’s Teri’s Instagram handle?
First of all, there are so many fake accounts for Teri Ijeoma, Invest with Teri and the Trade and Travel Course.
Teri’s real account is @teriijeoma
Beware of imposters accounts and scams.
Can I share my course log-in information with others?
No, this is not allowed.
Each person should purchase the course separately.
The only exception is you can share with your spouse.
What is the refund policy?
According to their policy, refunds are not available for any of their courses. (You can read that here).
However, they do not want unhappy students or I don’t want unhappy trading cuz.
So, if you need additional assistance, reach out to their support team at [email protected] and one of the fabulous coaches will assist you.
Honestly, this makes 100% sense as a student. There is so much knowledge and information in the course that it is not surprising.
If you truly put in the time and effort, you will see success. You have to put in the work though.
Just a reminder… trading is a risky investment if you don’t know what you are doing. You can lose money in the stock market.
Know someone else that needs this, too? Then, please share!!
Equal parts sophisticated minimalism and earthy mountainside respite, interior designers share how to include this new design trend in your home, even if there are no mountains in sight.
From cottage chic and coastal grandmother to rustic farmhouse, trends that center homes around earthy tones, reclaimed pieces, and natural elements have existed for years. Mountain modern style is the newest iteration to join the pack, only it draws inspiration from rugged peaks, rocky slopes, and windblown prairies. Here, interior designers define and explore this minimalist-meets-rustic aesthetic—and share how to make it work in your own home, whether you live in Colorado or New York City.
Related: Clustercore Is Trending—and It's the Perfect Decorating Style for Collectors
What Is Mountain Modern Style?
This trend’s name says it all: Mountain modern style translates the tones and clean lines found on mountains, resulting in a minimalist but warm interior punctuated by organic textures and unique art. “It is all about bringing the outdoors in through décor choices like nature-inspired color palettes, fabrics that are both aesthetically inspired by the outdoors and can also take a beating, animal-inspired artwork, and a mix of vintage and found items,” says Max Humphrey, an interior designer based in Portland, Ore.
Incorporating simple modern finishes is a tenet of mountain modern style; they create a clean and light counterbalance to purposefully unrefined details. In this sense, it steps away from the traditional “alpine” design that often feels dark, heavy, and dated. “The appeal of mountain modern design are the clean-cut lines, minimalism, and sophistication that homeowners want to bring to their mountain respite,” says interior designer Jackie Johnson.
Using Mountain Modern Style in Urban Settings
While mountain modern lends itself to homes nestled in the mountains, you don’t necessarily have to dwell in the alpines to pull inspiration from this trend. Just be aware that a little goes a long way if you’re not designing a mountain house, says Humphrey. Going overboard in a suburban or urban space could result in a space that feels inauthentic—or worse yet, borders on cheesy theme park. The goal is to incorporate warm, natural touches in ways that make sense for the space. And true to the “modern” portion of this trend, less is alway going to be more.
How to Add Mountain Modern Style to Your Home
Not sure where to start? Let this interior design advice guide you.
Strategically Layer Natural Textures and Tones
Mountain modern lends itself to layered earth tones and natural textures just as they would appear in nature. “Think of the details in the layering of the textures like wood, metal, and fabric that bring the space to life, rather than layering on more décor,” says Johnson. “In this case, less is more.”
You’ll want furniture with clean lines, minimal large-scale pieces that create interior vistas, and just a few accessories. Here are some ways you can subtly layer textures and tones into your space:
Natural Fabrics: Leathers and hide-on-hair fabrics can be incorporated via dining chairs, bar stools, accent chairs, and pillows.
Metal Accents: Metal legs on furniture, hardware with some patina, black steel windows and doors, and metal beams are beautiful mountain modern touches.
Wood Details: Try kitchen cabinetry in rift white oak, wood paneling on the walls of powder baths or feature rooms, and live edge tables.
Real Stone: You can add real stone via countertops, backsplashes in your bar or kitchen, or a waterfall island.
Use Rustic Materials in Authentic Ways
Marrying “mountain” and “modern” is key for this aesthetic. “The cleanliness and modern function is the attraction, but for many people, it lacks soul,” says Jordan Obermann, co-founder and co-principal of Forge & Bow. “Using rustic materials in real ways brings a sense of history to the home,”
His solution for striking that perfect balance is to understand the history of the home, keep finishes simple and streamlined, and to let the building materials shine. From there, you can incorporate rustic details where they make the most sense.
Focus on Natural and Accent Lighting
Let the sun be your primary source of light during the day. That means large, open windows that aren’t hidden behind curtains. Incorporate task and accent lighting for early mornings and evenings. “You’ll notice in the national park lodges there’s no overhead can lights,” says Humphrey. “Typically, there’s multiple sources of light, such as chandeliers, table lamps, and floor lamps. It gives you options at home to set the mountain mood.”
Let Windows Be Your Art
If you’re lucky to live in the mountains—and luckier yet to have a stellar view—let nature be your featured artwork. Arrange your space so that you’re invited to gaze outside, and keep window dressings light and to a minimum. If budget allows, consider incorporating a new window or widening an existing one. As an alternative, consider transforming a small door into a larger one, or swap in a full-glass door versus covered iterations.
Lean Toward Warmth
“Clean lines and modern finishes can lean both warm or more cold or sterile, but by bringing in the rustic principles of mountain modern, cold doesn’t work,” says Obermann. “Keep your finishes—even if they are more modern—warm and inviting.” This can be incorporated through the right wall color, large, cozy textiles, inviting furniture, and lighting.
Incorporate Art Prints
In lieu of (or perhaps in addition to) actual mountain views, art prints can bring a little mountain modern into your home. “Whether it’s vintage travel posters or flea market paintings of outdoor scenes, art is a good way to remind you of your travels or inspire you to go outside,” Humphrey says.
Install Earthy Wallpaper
Wallpaper is an easy way to bring some mountain modern magic into your home. “Even a floral print or a plaid or gingham paper that resembles a camp blanket can be a wink towards mountain modern, and can be used in a big way or sparingly in an accent wall or a guest room,” says Humphrey. When in doubt, stick to earthy hues such as forest green, cream, or sky blue that evoke nature.
Those who’ve been experiencing Bridgerton withdrawals for the past year can finally breathe a sigh of relief. The Netflix franchise’s highly anticipated prequel Queen Charlotte: A Bridgerton Story is here to indulge your need for a period drama. And while the latest installment (starring newcomers India Ria Amarteifio and Corey Mylchreest) certainly meets expectations in delivering steamy romance and wild plot twists, there’s another component to the 19th-century story that will catch viewers’ eyes. Yes, the elaborate Regency-era decor serves as an unofficial character in the plot, adding drama and interest … not to mention inspiration for your next home refresh.
Now, to be clear, Regencycore has been having a moment in fashion and home for the past year, thanks to the success of Bridgerton’s first two seasons and other turn-of-the-century series like HBO Max’s The Gilded Age (which debuted in early 2022). In fact, following the release of the latter, vintage reseller 1stDibs reported a 130% increase in “gilded age” searches. And while the quiet luxury trend has taken design by storm in recent months, with the debut of Queen Charlotte, it’s safe to assume a fresh interest in the ornate textured designs of 19th century England will re-emerge.
Which begs the question: How does one make such a maximalist trend like this work in 2023? “While the Regency era style is undeniably beautiful, it can be challenging to seamlessly incorporate its elements into a modern home without sacrificing practicality and functionality,” says Zakhar Ivanisov, founder of Soul & Lane, a platform for home tips and advice. That said, like other over-the-top aesthetics, the key to embracing the Queen Charlotte look is “mixing [these] design elements with more contemporary pieces for a balanced and timeless look,” says Brad Smith, interior designer, and CEO of Omni Home Ideas.
Ahead, interior designers and decor experts outline these components to Regency decor so you can channel your own royal palace in a modern way this spring and summer. Queen Charlotte would be proud.
Rich, Regal Colors
The first and possibly easiest step you can take with this throwback aesthetic is by adding some color to your living space. “Rich and vibrant palettes were popular during the Regency Era,” says Smith. “Consider using jewel tones like emerald green, deep sapphire blue, and burgundy, or opt for soft pastels like dusty rose and powder blue for a more subdued look.”
Ornate Detailing
Another quick fix could be simply swapping in a few accents and accessories. “Regency Era design features intricate detailing in furniture and decorative accents,” says Smith. “Look for pieces with carved woodwork, gilded finishes, and elaborate patterns to add visual interest to your space.” Door or cabinet knobs, mirrors, and picture frames can easily add a touch of regal opulence.
Amber Dunford, design psychologist, and style director at Overstock.com seconds this tip, adding, “an opulent chandelier with elements like crystal, glass, or detailed filigree can bring an instantly elegant feel to a dining room or entryway space.”
Tapestry Walls
Dunford explains that many English homes in the Regency era featured decorated walls with large-scale tapestries. “Try a tapestry-inspired wallpaper or wall hanging,” she recommends. “You may want to consider wallpaper with floral damask prints or opt for eye-catching patterns on a larger scale with scenes that depict nature or animals. There is also formality in symmetry that aligns nicely with this trend, so you can play that up with symmetrical artwork or wall panels or break the rules and go asymmetrical.”
Curved Shapes
Intricately carved and rounded furniture was key in the Regency era. “Adding chairs with tufting or caning is another easy way to get that royal vibe in your home,” says Dunford. “Rounded shapes on sofas and chair backs also have a more regal feel and help spaces feel more comfortable, as curved shapes induce a more soothing energy for humans. “
Luxe Textures & Materials
Never underestimate the power of a throw pillow or fresh drapes. “Opt for rich materials like silk, velvet, or brocade for your draperies, upholstery, or throw pillows,” says Ivanisov. “These textiles not only add a touch of opulence to your space but also contribute to a comfortable and inviting atmosphere. Consider choosing fabrics with intricate patterns or bold colors that reflect the grandeur of the Regency era, ensuring they complement your existing decor.”
These Pennsylvania college towns stand out thanks to their rich history, vibrant culture and top-tier academic institutions.
The best college towns in Pennsylvania offer a unique blend of small-town charm and big-city excitement, making them the perfect places to live, work and study. Whether you’re a student embarking on a four-year journey or simply someone looking for a change of scenery, these Pennsylvania college towns have something for everyone.
State College, often referred to as Happy Valley, is the quintessential college town in Pennsylvania. Home to Penn State University, this lively community boasts a diverse array of cultural, educational and recreational opportunities. With picturesque tree-lined streets, vibrant downtown shops and a plethora of outdoor activities, it’s no wonder State College is consistently ranked among the best places to live in the country. The town’s close-knit community and the strong relationship between university students and locals make for an ideal environment for students to thrive.
State College’s thriving arts scene is also a major draw. From world-class museums and galleries to local theater productions and concerts, there is always something happening in this dynamic college town. The Central Pennsylvania Festival of the Arts, held each summer, brings together artists, musicians and performers from across the country, transforming downtown State College into a bustling hub of creativity and inspiration.
With its combination of natural beauty, vibrant culture and top-notch educational opportunities, State College is undoubtedly one of the best college towns in Pennsylvania.
Pittsburgh is a flourishing college town that’s home to several prestigious institutions, including the University of Pittsburgh, Carnegie Mellon University and Duquesne University. With its rich industrial history, diverse culture and burgeoning arts scene, Pittsburgh has become a beacon for students and professionals alike. The city’s bustling urban center, complete with world-class museums, theaters and sports venues, is balanced by its quaint neighborhoods, including Oakland and Shadyside, where students can enjoy a more relaxed, community-focused lifestyle.
Nestled at the confluence of the Allegheny, Monongahela and Ohio Rivers, Pittsburgh provides a wealth of outdoor recreation opportunities for its residents. From the picturesque trails at Frick Park to the scenic vistas of Mount Washington, the city’s stunning landscape provides the perfect backdrop for students looking to unwind after a long day in the classroom.
Philadelphia boasts a rich history, a diverse population and a thriving arts scene. As one of the premier college towns in Pennsylvania, Philadelphia is home to numerous renowned universities, including the University of Pennsylvania, Temple University and Drexel University. The city’s historic charm, paired with its modern amenities, makes it an attractive destination for students seeking a well-rounded college experience.
Students in Philadelphia can easily immerse themselves in the city’s rich cultural history by visiting iconic sites like Independence Hall and the Liberty Bell or exploring its thriving arts scene at the Philadelphia Museum of Art and the Kimmel Center for the Performing Arts. The city’s diverse neighborhoods, like Fishtown and Manayunk, provide a vibrant backdrop for college life, with an abundance of restaurants, boutiques and entertainment options.
Lewisburg, a picturesque town located along the banks of the Susquehanna River, is home to Bucknell University, one of the nation’s premier liberal arts colleges. With its historic downtown, charming architecture and welcoming community, Lewisburg offers a unique small-town atmosphere that attracts students from around the world. This quaint college town in Pennsylvania is the perfect setting for those seeking a close-knit community and an academically enriching environment.
Lewisburg’s vibrant culture is a major draw for students and residents alike. The town boasts several art galleries, theaters and music venues. Lewisburg also hosts the annual Lewisburg Arts Festival, which features a variety of performances, exhibits and workshops. The town’s proximity to the Susquehanna River and the surrounding countryside offers numerous opportunities for outdoor recreation. From hiking and biking to kayaking and canoeing, students and residents can do it all with ease from Lewisburg’s convenient location.
Bethlehem, a historic city nestled in the heart of Pennsylvania’s Lehigh Valley, is home to Lehigh University and Moravian College. Known for its rich industrial history and emerging creative scene, Bethlehem offers a unique blend of tradition and innovation that attracts students from across the country. As one of the most charming college towns in Pennsylvania, Bethlehem provides an engaging and inspiring environment for students to grow and thrive.
The city’s historic downtown, featuring beautifully preserved 18th-century architecture, is a testament to Bethlehem’s rich history. Beyond that, the city’s thriving arts scene offers an exciting array of cultural experiences. From the annual Musikfest, one of the largest free music festivals in the country, to the Banana Factory Arts Center, Bethlehem is a hub of creativity and innovation.
A charming suburb located just outside of Philadelphia, Swarthmore is home to Swarthmore College, a prestigious liberal arts institution known for its commitment to academic excellence and social responsibility. The town’s lush green spaces, historic architecture and tight-knit community make it an ideal setting for students seeking a serene and supportive college experience in small-town Pennsylvania.
Swarthmore’s picturesque campus, often referred to as the ‘arboretum campus,’ boasts an impressive collection of trees and plants, providing a tranquil environment for students to study and relax. The town itself offers a variety of shops, restaurants and culture, including the Swarthmore Co-op and the Players Club of Swarthmore.
With its easy access to Philadelphia, Swarthmore students can enjoy the best of both worlds: the charm of a small-town college community and the excitement of a bustling urban center. Thanks to its idyllic setting and strong academic reputation, Swarthmore is a standout among the best college towns in Pennsylvania.
Find the perfect Pennsylvania college town for you
Pennsylvania’s diverse array of college towns offers something for everyone, from the vibrant urban atmosphere of Pittsburgh to the quaint small-town charm of Lewisburg. Each of these communities boasts a unique blend of culture, history and natural beauty, creating an inspiring and enriching environment for students to live, learn and grow.
Whether you’re seeking a serene campus setting, a bustling cityscape or a perfect balance between the two, the college towns in Pennsylvania featured above are sure to provide a memorable and fulfilling college experience for all.
As we head into the heart of winter, there’s nothing more romantic than curling up in front of a beautiful fireplace, am I right? I certainly have fireplaces on the brain right now. We’re lucky enough to have four – count them – four fireplaces in our new/old house. Yes, that sounds excessive to me too, but it was the only way the house was heated for I don’t even know how many years (though we do have central heating now, thank goodness). I’ve never designed a fireplace before, let alone four so I’m trying to figure out what the heck to do! I’ve gathered my top seven inspiration images to give you a sense of where I’m currently headed.
Our dining room, living room, master and guest bedrooms will each feature a fireplace. Very cool? Yes. A touch overwhelming? Absolutely! Two of the fireplaces will be entirely decorative – our dining and guest bedroom. The other two will feature gas inserts. Regardless of their function or lack thereof, I still want to pay homage to the heritage of the house and create some stellar focal points. But there are so many variables to consider. There’s scale, size, the types of materials you use, any decorative elements, what the hearths should look like…the options are rather endless I’m afraid.
After scanning reams of Pinterest pages and doing some Google image searches I have begun to zero in on the general look I think we need to go for. I’m particularly drawn to 19th century Louis XV style mantels. Their curvature is so sexy! The designs often featured ornate carvings and some sort of crest at the center. But then again, stately English styles that featured a cleaner square design are also rather fetching. They certainly lend themselves to my more minimalist aesthetic. So then I’m torn. I do know that our original fireplaces also featured arched openings so I think at least one or two will need to have that design element.
With the clock ticking down on our remodel, it’s time to go into decision mode. I’d love to hear which fireplace you love the best. And if you happened to dealt with putting new fireplaces into old houses please share any tips or tricks you might have! I’ll be sure to compile all the knowledge and share it back out.
If you missed any of our remodel updates CLICK HERE
If you’re curious about the before pictures CLICK HERE
If you want to see more of my design inspirations CLICK HERE
What I’ve learned about renovating an old house CLICK HERE
image 1 via // 2, 3 via vogue.com // 4 via // 5 via // 6 via new york times // 7 via pinterest
Restoring price stability will cause some pain now, but will forestall the greater pain of higher inflation, Federal Reserve Chairman Jerome Powell said in a speech on Friday.
Powell, speaking at an economic policy symposium in Jackson Hole, Wyoming, made it clear that the Federal Open Market Committee (FOMC) would continue to be tightly focused on bringing inflation back down to its 2% goal. Although he didn’t specify how high the FOMC might raise the federal funds rate at their September meeting, markets reacted to the comments by falling sharply on Friday morning.
Powell noted that inflation was still running “well above 2%” and that although July’s numbers were better, “a single month’s improvement falls far short of what the Committee will need to see before we are confident that inflation is moving down.”
The Fed raised the federal funds rate by 75 bps in both June and July, driving mortgage rates sharply higher to more than 6% in a short period. The big question is whether we should expect a repeat in September.
“July’s increase in the target range was the second 75 basis point increase in as many meetings, and I said then that another unusually large increase could be appropriate at our next meeting. We are now about halfway through the intermeeting period. Our decision at the September meeting will depend on the totality of the incoming data and the evolving outlook. At some point, as the stance of monetary policy tightens further, it likely will become appropriate to slow the pace of increases.”
HousingWire Lead Analyst Logan Mohtashami said that while housing isn’t the main focus of the Fed’s actions, it wants to fight back against the housing market’s perception that the Fed will cut rates next year as the market gets weaker.
“I think the Federal Reserve is frustrated that total housing inventory is not back to 2019 levels, even though mortgage rates have gone as high as 6%. They are frustrated and the fact that new home listings are now declining can’t be encouraging to them,” Mohtashami said. “Powell’s comments reaffirm their stance that they will hike rates and keep them high while looking to see what happens next.”
Powell’s short remarks emphasized the Fed’s responsibility to achieve price stability, calling it “the bedrock of our economy.”
“Without price stability, the economy does not work for anyone. In particular, without price stability, we will not achieve a sustained period of strong labor market conditions that benefit all,” Powell said.
“Reducing inflation is likely to require a sustained period of below-trend growth. Moreover, there will very likely be some softening of labor market conditions. While higher interest rates, slower growth, and softer labor market conditions will bring down inflation, they will also bring some pain to households and businesses. These are the unfortunate costs of reducing inflation. But a failure to restore price stability would mean far greater pain,” Powell said.
The Fed Chair said that public expectations of continued higher inflation can become a self-fulfilling prophecy. “During the 1970s, as inflation climbed, the anticipation of high inflation became entrenched in the economic decision-making of households and businesses. The more inflation rose, the more people came to expect it to remain high, and they built that belief into wage and pricing decisions.”
Powell ended the speech by noting the Fed’s resolve. “We are taking forceful and rapid steps to moderate demand so that it comes into better alignment with supply, and to keep inflation expectations anchored. We will keep at it until we are confident the job is done.”
We’re covering this important topic at our HousingWire Annual event Oct. 3-5.Register here to join us in Scottsdale, Arizona.