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If you’ve heard it once, you’ve heard it a thousand times: older Americans overwhelmingly support aging in place in their own homes, with some recent survey data indicating at or over 90% of seniors supporting retirement living in their own homes.

But sometimes the cost of renovations can exceed the amount of cash that a retiree has access to, particularly for the majority of older Americans living on fixed incomes and relying on benefit programs like Social Security.

To that end, a recent column published in U.S. News & World Report asked a number of seniors aging in place and experts about the best and most effective renovations they can make to meet their goals for remaining in their own homes.

Dak Kopec, a professor at the University of Nevada, Las Vegas explained that the age of the property itself is a big determinant of the costs associated with aging in place renovations.

“Widening doorways, enlarging bathrooms and installing stair lifts in an older home can quickly become expensive,” the column said based on his input, but there are still less expensive options that can go a long way. Some of the least expensive additions to support aging in place include grab bars and support railings that are available from major home improvement stores.

While some may be turned off by cheaper additions since they can draw attention to the concept that the occupant of a home is getting older, making targeted changes can help, and it’s not always a given that certain things must be changed in a home. Stairs are often targets of scrutiny, but it also depends on the person, Kopec said.

“Don’t automatically think you have to do away with stairs,” the column said based on Kopec’s input. “In his experience, older adults who continue to use stairs maintain their knee and leg strength longer.”

Home remodeling site Fixr told the outlet that the national average cost of aging-in-place renovations can run the gamut between $3,000 and $15,000, depending on the work performed. More drastic renovations can double or even triple that figure. But a group of retirees were consistent in targeting one room of the home in particular: the bathroom.

Those with limited mobility face challenges to their safety and physical well-being when adding water on slick surfaces into the mix, and investing in accessibility fixes there can have a big impact on both safety and mental outlook.

“It was terrifying to get into the shower by myself,” said a 67-year old retiree interviewed for the piece.

Another senior, interior designer Nancy Bean, described the challenges for her older husband — afflicted with Parkinson’s disease — who is afraid of falling in or out of the bathtub due to issues with his balance.

“Low-entry or curbless showers are game-changers for those with limited mobility. But it’s also crucial to have the proper tiling or mats on the floor to avoid slips and falls,” according to input from Bean.

Earlier this year, a story published by the Associated Press (AP) detailed the pivot that some major home improvement retailers were making toward aging-in-place. Some of the chains reporting increased renovation and modification activity include The Home Depot and Lowe’s, two of the largest home improvement retailers in the U.S.

The Home Depot is refreshing an in-house brand with accessibility in mind for things like grab bars and easier-to-use faucets. Meanwhile, in 2021, Lowe’s established a single stop for items including wheelchair ramps and shower benches, the story explained.

Source: housingwire.com

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While he may not have secured a spot on Team USA for the Paris Olympics, Boston Celtics shooting guard Jaylen Brown is fresh off a legacy-defining season.

The eight-year NBA veteran made his third All-Star team, won Eastern Conference finals MVP and Finals MVP, and helped the Boston Celtics win their first NBA championship since 2008.

And while he’s winning big on the court, he’s hoping to bank a personal win too. He just listed an industrial-style penthouse with a historic vibe he owns on Melcher St. in Boston’s Fort Point neighborhood for $4,750,000.

One of the highest-paid small forwards in the NBA, Jaylen lives in a sprawling 7-bedroom mansion in Wellesley, bought back in 2020 for $7.8 million. So he likely hasn’t lived in the Fort Point condo for quite a while.

Nevertheless, the Melcher Street penthouse reflects the sartorial icon’s style and features open-concept, industrial-yet-warm interiors that perfectly complement the building’s historic appeal. Let’s take a closer look, shall we?

Set in a Fort Point building on Melcher St.

Photo credit: Surette Media Group / Douglas Elliman

The stylish 2,964-square-foot penthouse sits atop a 1916-built brick building at 49 Melcher St. in Fort Point, the former industrial district along Fort Point Channel filled with historic lofts, art studios, and galleries.

The building is also home to a popular local steakhouse called Mooo…. Seaport.

It has 3 bedrooms and 2.5 bathrooms

Photo credit: Surette Media Group / Douglas Elliman

The unit consists of 3 bedrooms, 2 full bathrooms, and 1 half-bath, and a spiral staircase that leads to a generously sized rooftop deck.

It has a luxurious primary suite with a walk-in closet, and an en-suite bathroom with a double vanity and walk-in shower.

The MVP of townhouses

Photo credit: Surette Media Group / Douglas Elliman

“It’s the MVP of town houses. It really is,” real estate agent George Sarkis — who shares the listing with Manny Sarkis of The Sarkis Team at Douglas Elliman — says of the $4.75 million Fort Point penthouse.

“The open concept, the feel of it, the brick and beam,” Sarkis told Boston.com. “To see this at about a 3,000-square-foot scale is very hard to come by. Having one of Boston’s steakhouses in the building is a big bonus.”

The unit retains many of the building’s original features

Photo credit: Surette Media Group / Douglas Elliman

Much like the other historic homes and converted buildings around Fort Point, the building retains its most coveted original features.

Brown’s penthouse has exposed brick walls, oversized factory windows that flood the open floorplan with natural light, and a 12-plus-foot ceiling with the original wood beams. 

Open-concept penthouse living

Photo credit: Surette Media Group / Douglas Elliman

The historic elements are beautifully complemented by modern additions throughout the open-concept floor plan, particularly in the kitchen, which has been equipped with top-of-the-line appliances and an eat-in island.

The large living area — comprised of living, dining, and kitchen — can easily be configured differently, should the future owner choose to do so.

The penthouse has a generously sized rooftop deck

Photo credit: Surette Media Group / Douglas Elliman

Heading up a spiral staircase, future residents and their guests can enjoy a private 400+ square-foot roof deck to take in the bustling city life below.

See also: Michael Jordan’s house is still on the market, 12 years after it was first listed for sale

Nowadays, Jaylen Brown lives in the suburbs

Photo credit: Surette Media Group / Douglas Elliman

As for where Jaylen Brown is heading next, we’re guessing he already made his choice years before listing his penthouse in the city.

Brown has been famously living in the posh Boston suburb of Wellesley, Massachusetts, known as one of the most expensive towns in the country.

Where he owns a 7-bedroom mansion bought in 2022

Photo credit: Surette Media Group / Douglas Elliman

Back in 2020, Jaylen Brown scored a $7.8 million deal for a massive 10,099-square-foot home in Wellesley that had previously been listed for $11 million.

Sitting on 1.53 acres of land, the mansion has 7 bedrooms, 9 baths, and boasts a farmhouse style with modern aesthetics.

His Boston penthouse is now on the market for $4,750,000

Photo credit: Surette Media Group / Douglas Elliman

Since he’s nice and settled in the suburbs, Jaylen is now parting ways with his Melcher St. penthouse, and has hired Douglas Elliman top producers George and Manny Sarkis of The Sarkis Team to help him offload the city residence.

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More stories

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Source: fancypantshomes.com

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The Moana Surfrider, A Westin Resort & Spa is an icon in Waikiki, a beachfront neighborhood in Honolulu popular amongst tourists. In fact, it was the first hotel in Waikiki Beach. Walking through the lobby of the hotel, which first opened its doors in 1901, feels like stepping into a bygone era. Much of the elegant architecture remains — and of course, so do the ocean views.

The sprawling courtyard, shaded by a massive, 100-year-old banyan tree, is a delightful spot for an afternoon mai tai as you soak up the Hawaiian sunshine. And the Moana Surfrider breakfast — held on a wraparound porch overlooking the water — is divine.

(Photo by Sally French)

But here’s the thing — anyone can visit the bar or restaurant, whether they’re a hotel guest or not. So do the rooms make it worth staying at the hotel? Or, would you be better off staying at another hotel on an Oahu vacation and simply popping over to the Moana Surfrider for a meal or drink?

Here’s our review of the Moana Surfrider, A Westin Resort & Spa:

The Moana Surfrider location

The Moana Surfrider’s beachfront location is top-notch. It offers direct access to Waikiki Beach, steps away from the ocean.

(Photo by Sally French)

The opposite side of the hotel lines Kalakaua Avenue, which is Honolulu’s main shopping street. The prime location means it’s bustling with people, both outside the hotel and on the beach.

Speaking of cars, though, you might not want a rental car in Honolulu given this hotel’s central location, proximity to public transportation and expensive parking rates. The Moana Surfrider parking fee is $65 daily for valet, which is the only option.

There’s also no free airport shuttle sadly, so you’ll have to book a shuttle or rideshare if you forgo a rental car.

Moana Surfrider rooms

(Photo by Sally French)

Moana Surfrider rooms with an ocean view are exceptional; the best rooms offer a panorama that includes both the ocean and Diamond Head, which is a volcanic tuff cone that now stands out as one of the most iconic natural landmarks on Oahu. However, these rooms tend to cost about $200 or more per night as an upcharge for the view.

(Photo by Sally French)

Aside from the view, the rooms are somewhat forgettable and a bit dated. Here’s a look at a Tower room with a king bed and Diamond Head vista:

(Photo by Sally French)

Beds are comfy, but nothing to rave about.

(Photo by Sally French)

The in-room coffee maker is a nice touch.

(Photo by Sally French)

Bathrooms typically feature a tub, though it’s not an oversized tub you’d necessarily want to soak in for a long time.

Rooms also have amenities including a mini fridge and hair dryer.

Key amenities at the Moana Surfrider

The Moana Surfrider charges a $42 daily resort fee, but there are a fair amount of amenities that potentially make the resort fee feel more worth it.

(Photo by Sally French)

The Moana Surfrider pool offers ocean views.

(Photo by Sally French)

The gym is good, but not amazing. Its low ceilings feel a bit cramped, but the cardio machines that face Kalakaua Avenue offer a nice view. There are dumbbells, weight machines and other small pieces of strength equipment like plyometric boxes.

Other, employee-led activities or classes vary by day but include yoga, hula dancing, lei making, a historical hotel tour and a traditional sunrise ceremony.

The resort fee also covers a few extras like a complimentary shopping tote bag and GoPro camera rental.

Moana Lani Spa, a Heavenly Spa by Westin

(Photo by Sally French)

There’s one key amenity that’s not included in the resort fee: Moana Lani Spa. As is usually the case with resort spas, services like facials and massages come at an additional cost. The Moana Surfrider spa is unique in that it’s Waikiki’s only oceanfront spa.

Moana Surfrider restaurants

The Moana Surfrider has one main restaurant serving breakfast, dinner and afternoon tea. There’s also a beach bar, a cafe, a coffee shop and a cocktail lounge.

Dining on the wraparound porch

For a fancier meal, head to the Moana Surfrider’s wraparound porch facing the water. That porch moonlights as a few different restaurants, depending on the time of day.

Veranda at the Moana for breakfast

In the morning, it’s called the Veranda at the Moana. You can choose to dine either buffet-style or order a la carte. Menu items embrace Hawaiian flavors, including the hearty loco moco (a Hawaiian dish of rice, hamburger patty, gravy and egg) and the mango pancakes served with lilikoi curd (lilikoi is the Hawaiian word for passion fruit).

(Photo by Sally French)

If you are committed to dining here, it can make sense to upgrade to the buffet, which offers one of the best brunches in Waikiki. It costs about $10 more than ordering entrees individually, but it entails an all-you-can-eat version of many items on the a la carte menu. Rather than decide between mochiko (local rice flour) waffles, Moana pancakes or an omelet, you might just try it all.

(Photo by Sally French)

Moana Surfrider afternoon tea

After breakfast, the space turns into the site for afternoon tea. Prices for Moana Surfrider tea start at $73 per adult and $37 per child. There, you’ll sip on island flavors like Hawaiian coconut or passion orange guava tea. Treats include tropical sorbet.

Beachhouse at the Moana

At night, that same wraparound porch becomes Beachhouse at the Moana. The white tablecloth restaurant serves fancy fare including steak and seafood.

Other standout dining at the Moana Surfrider

(Photo by Sally French)

The Beach Bar at Moana Surfrider: For casual dining with a stellar atmosphere, consider The Beach Bar. Menu items include poke, burgers and salad. The big draw is the live entertainment — typically ukulele — performed under the famous Moana Surfrider banyan tree.

(Photo by Sally French)

Vintage 1901: For drinks indoors, Vintage 1901 is one of the most charming bars in Waikiki. It’s primarily a wine bar, though other drinks include cocktails with local liquors. Located in the lobby, the bar stands out for its live piano music.

(Photo by Sally French)

Honolulu Coffee: The Moana Surfrider also hosts an outpost of Honolulu Coffee, which is a local coffee chain. Be aware that the lines can get long.

Who is the Moana Surfrider best for?

Travelers who want the best location: If you prioritize being within walking distance of major attractions, restaurants and shopping, then the Moana Surfrider is one of the best hotels in Waikiki. Direct access to Waikiki Beach is convenient, and the beachfront pool is delightful if you’d rather swim in a pool than the ocean.

(Photo by Sally French)

People who appreciate a historic property with charm: Known as the “First Lady of Waikiki,” the property is the first hotel on Waikiki Beach. The property goes a long way to acknowledge its history, including a museum on the second floor plus biweekly historic tours.

Who should skip the Moana Surfrider?

People who prioritize value over the view: Moana Surfrider rooms are impressive primarily because of the views, but you only get a view if you’re willing to splurge. If you’re the kind of person who ends up booking the cheapest available room, you’re better off booking a room without a view at a different hotel.

(Photo by Sally French)

Those travelers might be better off at properties like the Sheraton Princess Kaiulani, which is also a Marriott Bonvoy property. Though it’s not waterfront, that hotel is located just across the street from the Moana Surfrider, providing tourists a similarly central location (albeit a walk across the street to get to the water). Prices vary by night, but NerdWallet found some examples where the Sheraton Princess Kaiulani was going for nearly 50% less on the same night than the Moana Surfrider across the street.

Travelers seeking peace and calm: The lobby, wraparound porch and outdoor space under the banyan tree draw tourists who aren’t staying at the Moana Surfrider, which means the lobby and porch might be packed with a lot more than just hotel guests. If you’re seeking a quiet getaway, you might find the Moana Surfrider overwhelming.

(Photo by Sally French)

Booking the Moana Surfrider

(Photo by Sally French)

One of the best ways to earn Marriott points and free night certificates is through Marriott credit cards.

Top cards for Marriott stays

Marriott Bonvoy Bountiful™ Card

Marriott Bonvoy Bevy™ American Express® Card

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Business® American Express® Card

Annual fee

Rewards

• 6 points per $1 at participating Marriott Bonvoy hotels.

• 4 points per $1 on up to $15,000 a year in combined purchases at grocery stores and on dining.

• 2 points per $1 on all other eligible purchases.

• 6 points per $1 at participating Marriott Bonvoy hotels.

• 4 points per $1 on up to $15,000 a year in combined purchases at U.S. supermarkets and at restaurants worldwide (including takeout and delivery in the U.S).

• 2 points per $1 on all other eligible purchases.

Terms apply.

• 6 points per $1 at participating Marriott Bonvoy hotels.

• 3 points per $1 at restaurants worldwide and on flights booked directly with airlines.

• 2 points per $1 on all other eligible purchases.

Terms apply.

• 6 points per $1 at participating Marriott Bonvoy hotels.

• 4 points per $1 on worldwide dining, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

• 2 points per $1 on all other eligible purchases.

Terms apply.

Elite status benefits

• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.

• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.

Terms apply.

• Platinum Elite Status and 25 Elite Night credits per year.

Terms apply.

• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.

Terms apply.

Welcome offer

Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Terms Apply.

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Terms Apply.

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

Learn more

Another good booking option is to reserve through The Edit by Chase. If you have a Chase Sapphire Reserve®, you can use either Chase points or cash to book from a curated collection of luxury hotels worldwide and get added benefits including daily breakfast for two, an $100 property credit and space-available room upgrades.

And unlike many other travel portals, The Edit is an official Marriott booking channel, meaning you can earn rewards from both the hotel and Chase for a stay booked through The Edit. Compare prices though before booking.

To view rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, please visit this page.
To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page.
To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see this page.

How to maximize your rewards

Source: nerdwallet.com

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Favorable economic trends are helping mortgage rates continue the downward trend they’ve been on for the past few months.

HousingWire‘s Mortgage Rates Center showed that the average 30-year conforming loan rate was 7.06% on Tuesday, down from 7.11% a week earlier. The 15-year conforming loan rate showed an even larger pullback, declining from 6.90% to 6.79% during the week.

That data comes on the heels of cooling inflation numbers. Last week, the Consumer Price Index (CPI) showed that prices for goods and services declined by 0.1% from May to June. They rose 3% on an annualized basis, the slowest rate of growth in more than three years.

More good news for the housing and mortgage industries arrived Monday through remarks delivered by Federal Reserve Chair Jerome Powell. At an event in Washington, D.C., Powell indicated that policymakers would not wait for inflation to reach 2% before making cuts to benchmark rates. The federal funds rate has been in a target range of 5.25% to 5.5% since July 2023.

“The implication of that is that if you wait until inflation gets all the way down to 2%, you’ve probably waited too long, because the tightening that you’re doing, or the level of tightness that you have, is still having effects which will probably drive inflation below 2%,” Powell said, according to reporting by CNBC.

According to the CME Group‘s FedWatch tool, analysts believe there is a 93% chance that rates will remain unchanged after the Fed’s meeting at the end of July. But 100% of analysts have penciled in a cut in September.

HousingWire Lead Analyst Logan Mohtashami believes that mortgage rates could fall to 6% if the 10-year Treasury yield continues to recede. The spread between the 10-year yield and the 30-year rate narrowed to 2.62% last week, down from a recent peak of 3.1% in June 2023.

Mohtashami said that mortgage rates would be 0.48% higher today if the highest levels of spreads from last year were incorporated today. The shrinking spreads are correlating with a rise in purchase mortgage applications.

“The last time we saw 12 weeks of positive trending purchase app growth was when mortgage rates reached 6%,“ Mohtashami wrote Saturday. “Purchase apps have been positive for four out of the last five weeks and mortgage rates aren’t even near 6%. Now, context is critical because we are working from the lowest bar ever, so it doesn’t take much to move the needle higher with purchase apps, as the last five weeks have shown.“

With mortgage rates stubbornly remaining above 7% for all of 2024, home-price growth has cooled and supply has increased in many areas of the country.

According to data released Tuesday by First American, U.S. home prices grew by 5.6% year over year in June. It marked the sixth straight month that the annualized appreciation rate has slowed.

Anaheim, California, led the way among the metro areas analyzed by First American with 10.2% price growth compared to June 2023. Miami (8.9%), Pittsburgh (6.5%), Las Vegas (6.4%) and San Diego (6.2%) each exceeded the national average rate of appreciation.

“Elevated mortgage rates continue to keep homeowners rate locked-in, while reducing affordability for potential first-time home buyers,” Mark Fleming, chief economist for First American, said in a statement. “The resulting pullback in demand coincided with an uptick in supply, which is cooling price growth. However, housing remains fundamentally undersupplied nationally, which will keep a floor on how low house price appreciation can fall.”

Data from Altos Research shows that the supply of single-family homes for sale shrank slightly last week to 651,000. That figure is up 38.5% year over year but is still 32% below the pre-pandemic figure of July 2019. Altos also noted that the share of listings with a price cut has grown to 38.3%.

“If we get lucky and mortgage rates ease from here on out for the rest of the year, then one place we’ll measure a rebound in demand will be fewer price cuts,“ Mike Simonsen, president of Altos Research, wrote on Monday. “When you list your home, if you don’t get the offers, you cut your price. But when a few more offers are made by newly affordably mortgages for buyers, then this stat will plateau and even tick down.“ 

Source: housingwire.com

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Is it just me or have we all been sleeping on the TJ Maxx website?! I went down an absolute rabbit hole recently…. So. Many. Tabs. Of course, I had to share all the great TJ Maxx home decor finds with you guys!

By the way, if you like this, you’ll love my recent roundups of inexpensive home decor under $50 and coastal decor under $50 on Amazon.

Herringbone Bolster // Scalloped Sheets (so many options in the carousel!) //  Grasscloth Nightstand // Block Print Swivel Chair ($200!) // Rattan Floor Lamp

5×8 Jute Rug (2×8, 10×14, 4×6) // Seagrass Accent Table (rectangle, hourglass) // Gray-Green Nightstand ($130!) // Bamboo Flatware ($20/four sets!) // Woven Counter Stool

Scalloped Bunny Pillows // Scalloped Outdoor Umbrella (striped, both $80!) // Patchwork Quilt // Table Lamp

As I was scrolling through all the TJ Maxx home decor, I realized that their site has SO MANY sets of scalloped sheets. This blue set is honestly just the beginning. Grasscloth nightstands are usually pretty expensive, but this one really isn’t. You can get (at least) two of them for the price of one elsewhere! The block print swivel chair is too cute. I’d scoop this up in a second if I had a vanity in my bathroom. You could also put it in a walk-in closet.

I LOVE THIS RUG. That one is 5×8 but it also comes in 2×8, 10×14, and 4×6! Off the top of my head, I can think of a handful of bloggers who already own it, which I’m taking as a ringing endorsement (ha). I can’t tell exactly whether this nightstand is gray or green, but I’m stunned that it only costs $130. It looks WAY more expensive.

How darling are these scalloped bunny pillows?! I think they were intended for Easter, but they would also be so, so sweet in a little girl’s room. The gingham on the back is the perfect finishing touch. I would obviously be thrilled to have this blue scalloped outdoor umbrella in my backyard– especially for $80! It also comes in a classic navy and white stripe. This patchwork quilt looks like something you’d find at thrift store or craft fair. I’d fold it at the foot of my guest bed or keep it downstairs for cozy movie nights.

ALL TJ MAXX HOME DECOR

FURNITURE


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COFFEE TABLE BOOKS


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PILLOWS + QUILTS


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SHEETS


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RUGS


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LIGHTING


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OUTDOOR


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KITCHEN/ENTERTAINING


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ALL-CLAD


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SHOP THE POST


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Source: carlyriordan.com

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Holland America Line’s current fleet includes 11 ships, which are mostly midsize. They visit all seven continents, with stops in the Caribbean, Tahiti, the Mediterranean, Antarctica and more. Its Alaska presence is especially strong, and Holland America claims it has visited Glacier Bay National Park more than any other cruise operator.

Holland America’s parent company is Carnival Cruise Line, which acquired Holland America in 1989. But while Carnival touts offerings like the “first roller coaster at sea” on its flagship brand, Holland America is for folks with — let’s call it — more refined tastes.

Here’s your guide to Holland America, including amenities, costs and how you might save money on your next sailing.

Is a Holland America cruise right for you?

Many ships feature a library. (Photo by Sally French)

Here are some types of people best suited for Holland America:

Travelers ready for relaxation rather than partying

Though open to travelers of any age (infants must be at least six months old to embark on most cruises), Holland America caters to the mature set.

Unlike Disney Cruises or Royal Caribbean ships, which are laden with waterslides, flashy designs and high-energy shows, Holland America is more subdued. Its most lively entertainment includes a casino, trivia nights and live music. Children or adult travelers seeking maximum stimulation might be less enthused.

But relaxed cruisers seeking peace might find it here.

Cruisers who prefer a ship that’s not too big yet not too small

The salon. (Photo by Sally French)

Every Holland America ship has a gym, portrait studio, sports courts, a spa, salon and multiple pools. On a short three-night cruise, you could eat three meals a day at a different restaurant and never hit them all. The largest ship has 10 restaurants, not including snack spots like the café and gelato shop.

Still, Holland America ships are relatively small. While Royal Caribbean’s behemoth Icon of the Seas ship has more than two dozen restaurants and a capacity for 5,610 guests, Holland America’s largest ship, Rotterdam, accommodates 2,668 guests.

Holland America destinations

Holland America covers almost 100 countries or territories and more than 470 ports, including stops in the Amazon and Antarctica.

For its 2025-26 cruise season, Holland America will operate in 11 countries in Asia alone. The primary focus is Japan, where it will dock in 24 ports around the country.

Mexico and Panama Canal cruises are also big. The 2025-26 cruise season adds a new stop at the port of Acajutla, El Salvador, on most Panama sailings. Meanwhile, two ships will offer Mexico itineraries with stops including Cabo San Lucas and Puerto Vallarta.

(Photo courtesy of Holland America)

The 2025-26 season brings an iconic Pacific Northwest itinerary that hasn’t been offered in decades. Dubbed the “Great Bear Rainforest,” the seven-day itinerary departs from Seattle and includes stops in Ketchikan, Alaska. Expect to see whales, eagles and potentially bears.

Holland America ships

Here’s a breakdown of all 11 Holland America ships, sorted by largest to smallest guest capacity:

Staterooms

Suites feature whirlpool bathtubs. (Photo by Sally French)

The smallest, two-guest rooms are about 143 square feet, though suites are easily double that. The smallest suite, the Vista Suite, ranges from 260-356 square feet. For maximum space (and service), book the Pinnacle Suite, which fills roughly 1,290 square feet. High-end suites include frills like whirlpool bathtubs, vanities, dressing rooms, decks and floor-to-ceiling windows.

Holland America also caters to solo travelers by offering single-person staterooms that are as small as 127 square feet.

Whether you choose a lavish suite or an inside stateroom, expect fairly upscale accommodations.

Holland America food

Larger ships have a dozen or more eateries. Some restaurants operate on every ship, such as Canaletto (a casual Italian restaurant) and Lido Market (which serves meals in an all-you-can-eat, cafeteria-style setting).

All you can eat

Meals at The Dining Room are included with your cruise fare — a rare exception for fine dining restaurants on Holland America. (Photo by Sally French)

Most casual restaurants are complimentary and all-you-can-eat, included in your cruise fare.

While most restaurants cost extra, the exception is The Dining Room. Its multicourse dinners feature rotating, elevated menu items (such as lamb loin). As part of a partnership with Masaharu Morimoto, The Dining Room serves dishes similar to those in Morimoto’s restaurants.

No matter your cabin class, 24-hour room service is complimentary, delivering items such as salads and sandwiches.

With beverages, the free stuff is generally limited to the basics like water, tea and coffee. Sodas, specialty coffees, mocktails and alcohol cost extra.

What food costs extra?

Aside from The Dining Room, waiter-service restaurants cost extra. Some operate an à la carte model, such as Nami Sushi. There, entrees cost about $15, while sushi rolls run about $5 each.

Others charge fixed prices. For example, dinner at Pinnacle Grill, a steakhouse, costs an additional $46 per person. Certain items also have an additional charge (caviar costs an extra $50).

Though the additional charges might be annoying, they can be considered a deal relative to dining at a steakhouse on land.

In addition to fancy restaurants, some casual dining options (including the cafés and gelato shop) incur an extra fee.

🤓Nerdy Tip

For free ice cream, head to Lido Market, where you can DIY dessert at the ice cream station.

Holland America drink packages

On Holland America, you’ll need to purchase a drink package to sip from these soda machines. (Photo by Sally French)

For beverages beyond the basics, buy them individually or through a drink package.

The soda-only package entails unlimited fountain drinks for $8 per person, per day.

The Quench package costs $17.95 per person, per day and includes sodas, premium coffee (like lattes), juice, mocktails and bottled water. It’s technically not unlimited, but there’s plenty to go around with a 15-drink daily limit.

For packages with alcohol, you’ll owe at least $55 per person, per day (premium spirits cost more). Again, there’s a 15-drink daily cap.

Is the food any good?

Food quality varies. Lido Market is your run-of-the-mill buffet but other restaurants are generally excellent (just note the surcharge).

For example, dinner at Canaletto costs $25 extra per person and includes pasta and gelato — both made fresh on board.

Holland America also has some food options from famous chefs. The first Morimoto By Sea opened aboard the Nieuw Amsterdam, bringing the award-winning restaurant chain to sea.

A spread of items served at a Morimoto pop-up restaurant on the Koningsdam. (Photo by Sally French)

Holland America activities

The art gallery on the Koningsdam. (Photo by Sally French)

Holland America activities are pretty tame, such as live music and wine tasting.

A music venue. (Photo by Sally French)

Every ship features World Stage, a theater hosting entertainment like expert lecturer talks and dance performances. Ships also have at least one lounge or club, such as Rolling Stone Rock Room or B.B. King’s Blues Club.

A shuffleboard court on the Koningsdam. (Photo by Sally French)

Every ship has a casino, spa, fitness center and outdoor sport courts, including pickleball courts. After all, Holland America is the exclusive cruise line partner of the Professional Pickleball Association.

Holland America Kids Club

Most cruises offer a kids club with crafts, video games and scavenger hunts.

Kid-friendly offerings are extremely limited (especially compared with competitors like Royal Caribbean and Disney Cruise Line) so don’t expect many kids onboard. Many cruisers consider the lack of kids one of Holland America’s best features.

Which Holland America ship is best?

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Because amenities are so similar on every ship, it’s hard to pick one best ship. But here are some factors to consider:

  • If you want the most options: Rotterdam is the largest (and has the most restaurants).

  • If you want the newest ship: The Rotterdam is also the newest ship, which first set sail in 2021. Newer ships often (though not always) mean better layouts and up-to-date fixtures.

  • If you prioritize smaller ships: Volendam and Zaandam are the smallest.

  • If you want to live on a ship: Two ships, Volendam and Zuiderdam, carry out the Grand Voyages and World Cruises, which sail around the world for months. Zuiderdam is slightly larger than Volendam — offering more guest rooms and entertainment venues.

The Crow’s Nest offers a lounge for relaxing and panoramic views. (Photo by Sally French)

Holland America: How much does it cost?

According to a NerdWallet analysis of more than 100 Holland America cruise itineraries through 2024, the average seven-night, inside stateroom starts at $646 per person. That figure assumes double occupancy (so a couple sharing a room would owe about $1,300), but doesn’t account for extra fees, including taxes and gratuities, or optional add-ons like beverages or Wi-Fi.

Suites can easily cost double that (or far more). For example, the average Vista Suite (the lowest class of suites), averaged $1,322 per person for a seven-night trip. The fanciest of the suites, the Neptune Suite, averaged $2,766 per person.

An inside stateroom on the Koningsdam. (Photo by Sally French)

Prices can also vary widely by region. Here were the average prices per person for seven-night journeys (assuming inside staterooms with double occupancy), broken down by major regions:

  • California coast: $349.

  • Alaska: $413.

  • Caribbean: $609.

  • Mediterranean: $909.

  • Northern Europe: $972.

Other costs

The dessert spread at the Morimoto pop-up restaurant on the Koningsdam. (Photo by Sally French)

That’s the base fare, but anticipate other expenses, including:

  • Taxes, fees and port expenses: Holland America passes on fees and taxes imposed by governments or port operators. Expect a few hundred dollars added to your base rate. 

  • Gratuity/tip: An automatic $17 ‘Crew Appreciation’ charge is added per stateroom guest, per day. For guests in suites, it’s $19. Though automatically added, you can adjust the figure upon settling your bill at checkout.

  • Service charge: Add-ons like beverages, speciality meals and spa services incur an 18% service charge.

  • Ability to choose your stateroom: For those who want to sleep closest to the best deck on a cruise ship, there’s an additional fee to select your specific stateroom, though prices vary by cruise.

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  • Some activities: Certain activities incur extra costs, such as spa treatments. 

  • Shore excursions: Upon docking, you’re free to exit the ship and roam around on your own, but Holland America sells curated shore excursions, too, that easily cost more than $100 per person. Prices vary by excursion. In Maui, you can tour a pineapple plantation for $190, while a behind-the-scenes tour of the Maui Ocean Center costs $560. Although you can book excursions through third parties, beware. Benefits of booking through Holland America include early departure and a guaranteed return.

  • Wi-Fi: Wi-Fi starts at roughly $22 per day depending on cruise length. More robust Wi-Fi (such as streaming capabilities) costs more than $30 per day.

  • Specialty dining and drinks: Specialty restaurants — as well as most beverages beyond basics such as coffee, tea and water — cost extra.

Is the Have It All premium cruise package worth it?

For the latter three items — shore excursions, Wi-Fi, speciality dining and drinks — the Have It All premium cruise package may be worth it.

Packages vary depending on the cruise length. Here’s what’s included:

NerdWallet analyzed dozens of Holland America cruise fares. On average, here’s how much money you would save, depending on the cruise length:

In every data point in NerdWallet’s analysis, the Have It All package ended up cheaper than buying all of those things a la carte. But consider what you really need. If you only drink one alcoholic beverage per day, the $55 beverage package probably isn’t worth it.

How to save on a Holland America cruise

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Cruise last-minute: The Last Minute Cruise Deals page lists discounted sailings within the next 60-90 days. However, don’t overlook other costs such as potentially-expensive, last-minute airfare.

Scout out promotions: Holland America’s general deals page is the spot for Black Friday cruise deals or other seasonal promotions.

Refer a friend: Holland America regularly runs a referral program where you might get a cruise credit if your friend enters your name in the referral form.

Become an AARP member: AARP members can earn up to $200 in stateroom credits. Actual amounts depend on room type and cruise length. Considering AARP membership costs $16 annually (and potentially less if you commit to more than one year), joining pays for itself based on the cruise credit alone.

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Should you purchase travel insurance for a Holland America cruise?

Holland America sells a cancellation protection plan, which allows you to cancel your cruise for any reason. It’s called the Holland America Line Cancellation Protection Plan (CPP). Unlike traditional insurance plans that require proof (e.g., a doctor’s note confirming illness) or have tons of fine print around reasons the insurer doesn’t have to pay out, CPP is convenient because it lets you cancel for truly any reason.

Plans start at $79, but can run higher depending on coverage and trip length.

The cheapest plan, Standard, requires you cancel at least 24 hours before departure. The Platinum Plan lets you cancel any time up to departure. Neither gets you a full refund though. The Standard Plan refunds up to 80% of your total cost, and Platinum refunds up to 90%.

The Platinum Plan also covers potential costs such as emergency medical and dental care, coverage for lost or delayed bags and trip delay insurance.

Is the Holland America credit card worth it?

The Holland America Line Rewards Visa® Card has a $0 annual fee, so it’s hard to knock it. It earns 2 points per $1 spent on Holland America purchases and 1 point per $1 spent everywhere else. There are also no foreign transaction fees.

Top travel cards

Chase Sapphire Reserve®

on Chase’s website

U.S. Bank Altitude™ Reserve Visa Infinite® Card

Bank of America® Premium Rewards® credit card

on Bank of America’s website

Citi Strata Premier℠ Card

Annual fee

Rewards earn rate

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

• 1 point per $1 on other purchases.

• 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.

• 3 points per $1 on eligible travel purchases and mobile wallet spending on Apple Pay, Google Pay and Samsung Pay.

• 1 point per $1 on all other purchases.

• 1.5 points per $1 spent.

• 10 ThankYou® points per $1 spent on hotels, car rentals and attractions booked through the Citi Travel site.

• 3 points per $1 on air travel and other hotel purchases.

• 3 points per $1 on supermarkets.

• 3 points per $1 on gas stations and EV charging stations.

• 3 points per $1 on restaurants.

• 1 point per $1 on all other purchases.

Travel credit benefit

$325 annual credit.

$100 in airline incidental statement credits.

This card does not offer a travel credit benefit.

Still not sure?

Is cruising with Holland America worth it?

The casino. (Photo by Sally French)

Holland America offers a traditional and elegant cruise experience. The emphasis on high-quality dining makes it good for foodies — just note that the best restaurants cost extra. Crowds are mature, which is a pro or a con depending on the level of entertainment, nightlife and energy you seek.

Families or people seeking high stimulation and constant entertainment should skip it. Additionally, budget travelers might find the additional charges aggravating (though additional charges are common across pretty much any cruise line).

In short, cruisers who value sophisticated service, delicious food, and exploration may love Holland America.

(Top photo courtesy of Holland America)

How to maximize your rewards

Source: nerdwallet.com

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Warehouse, Fee Collection, Broker AVM Tools; Violation Tracker; Lender and Investor Changes

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Warehouse, Fee Collection, Broker AVM Tools; Violation Tracker; Lender and Investor Changes

By:
Rob Chrisman

Wed, Jul 3 2024, 11:43 AM

Did you know that there were 2.5 million estimated people living in the newly independent nation of the United States in July 1776? Per the Census Bureau, that figure has now risen to around 335 million. 56 individuals of those 2.5 million people were signers of the Declaration of Independence, with John Hancock, a merchant by trade, being the first signer. Benjamin Franklin, who represented Pennsylvania, was the oldest signer at age 70; Edward Rutledge of South Carolina was the youngest signer at age 26. Speaking of numbers, if you like them, although the FHFA and the CFPB would like you to believe that they are part of the fabric of the United States, they aren’t. But the FHFA and the CFPB Release Updated Data from the National Survey of Mortgage Originations for Public Use. Hey, I only know what I read in the newspapers. But there is some interesting real-time information out there, and if you want to see who’s paying what in violations, here you go. (Today’s podcast is found here and this week’s is sponsored by Bundle, the attorney-prepared legal documents company that is dedicated to the real estate, mortgage, and title industries. Fuel your operations and execution of documents from deeds to subordinations to assignments, and everything you need for any order, in one bundled price; receive 20 percent off using the code “Chrisman” at checkout. Hear an interview with Atlas Real Estate’s Tony Julianelle on the recent single family rental market transformation and why individuals in the mortgage industry should care about property management.)

Lender and Broker Services, Products, and Software

“Leadership is crucial for organizational success and culture. Recognizing the differences between strong and weak leadership will directly impact your team’s success. Inspired by ‘Good to Great’ by Jim Collins, this upcoming webinar features Laura J. Brandao (Equity Prime Mortgage), Keith Canter (First Community Mortgage), and Richard Grieser (Truv) sharing insights from their many years of mortgage leadership experience. You’ll leave this July 10th session with strategies to effect change in your organization, attract and maintain the right talent, understand team needs to advance shared goals, maintain a disciplined yet happy culture, and leverage technology as an accelerator. Come join us!”

Rocket Pro TPO offers Home Equity Loans powered with AVM (Automated Valuation Model), providing faster and more cost-effective appraisals. With AVM, valuations are delivered in seconds, nearly five days faster than traditional methods, saving clients time and money. Interested? Price a loan today.

Lenders across the country are still looking for ways to cut costs without sacrificing revenue. Start off easy by collecting fees upfront. Fee Chaser by LenderLogix makes it as easy as clicking a button… literally. Book a 15-minute demo and get started in a few weeks.

PlainsCapital Bank National Warehouse Lending, a subsidiary of Hilltop Holdings (NYSE:HTH), offers funding for multiple mortgage products and programs with little to no additional requirements: FNMA HomeStyle, FHA 203K Full, Limited, and USDA Rural Housing renovation loans. Mortgage Revenue Bond and DPA loans with extended dwell times. Sub Limits for lower FICO scores, manufactured homes, renovation, construction and other unique mortgage products and programs. With over 30 years’ experience and a well-capitalized diversified financial holding company we provide our customers with confidence to meet their loan funding needs. If you are interested in learning more about PlainsCapital Bank National Warehouse Lending please contact Deric Barnett, (469)955-6786.

Agency, Lender, and Investor Changes

FHA posted to its Single Family Housing Draft ML proposing changes that would update FHA’s Defect Taxonomy to include fraud or material misrepresentation involving a Third-Party Originator (TPO) as a Tier 1 severity defect. FHA’s Defect Taxonomy is its quality assurance framework for all Title II loan reviews. It provides a consistent methodology for identifying defects at the loan level, useful data, feedback through structured categorization of defects, and balance between FHA’s risk management and quality assurance business processes. Interested stakeholders are encouraged to thoroughly review the Draft ML and provide feedback through June 24, 2024.

FHA published Mortgagee Letter (ML) 2024-12 implementing the provisions of the final rule, Revision of Investing Lenders and Investing Mortgagees Requirements and Expansion of Government-Sponsored Enterprises Definition, announced April 23, 2024, in FHA INFO 2024-21. The final rule revised and clarified requirements for investing lenders and mortgagees to gain or maintain status as an FHA-approved lender or mortgagee, separately defines Government-Sponsored Enterprises (GSE), including the Federal Home Loan Banks (FHLB), from other governmental entities and aligned general FHA approval standards with current industry business practices.

Ginnie Mae announced a term-sheet for its proposed Home Equity Conversion Mortgage (HECM) Mortgage-Backed Securities (HMBS) 2.0 program, initiating a comment period ending July 31st. The proposed program aims to enhance liquidity access for HMBS Issuers by allowing the re-pooling of active and non-active buyouts into new custom, single-Issuer pools. The new HMBS 2.0 program, described in more depth in our blog Ginnie Mae Announces New Pool Type to Improve HECM MBS Liquidity,​ seeks to address liquidity constraints in the reverse mortgage sector by providing a new capital markets execution for older vintage HECMs.

Ginnie Mae mortgage-backed securities (MBS) portfolio outstanding grew to $2.59 trillion in May, including $36.9 billion of total MBS issuance, leading to $14.3 billion of net growth. May’s new MBS issuance supports the financing of more than 116,000 households, including more than 58,000 first-time homebuyers. Approximately 74 percent of the May MBS issuance reflects new mortgages that support home purchases because refinance activity remained low due to higher interest rates. More information is available in Ginnie Mae’s Press Release.

USDA Rural Development posted a bulletin on June 21 announcing an interest rate increase for SFH programs.

Don’t limit your borrower’s buying potential if they require a loan amount beyond conventional limits. Loan Stream Mortgage Jumbo ONE loan programs empower you to give your clients more options all while helping you close more loans. With four Jumbo ONE programs available for Purchase, Cash-Out, and Rate & Term Refinance.

Citi Correspondent Lending updated Trailing Outstanding Document requirements. Changes include updated timelines for submission of missing documents and remediation of deficient documents, additional impacts when missing/deficient document issues are not resolved in a timely manner, and reporting changes. View the complete Outstanding Document Updates Announcement, which provides effective dates and outlines details for all of the changes.

Sellers in Carrington’s Non-Delegated Correspondent channel are now able to select who they want to generate the closing docs during loan submission. The cost for Carrington to generate the closing docs is a low $350.

Newrez approved correspondent clients, don’t forget that loans containing an ACE + PDR appraisal method must submit a PDF report that uses the Uniform Property Dataset report (UPD) and includes the required certifications, floor plan and photographs to Freddie Mac using the Beyond ACE application programming interface (bACE API). Details are available in Newrez Bulletin 2024-040.

Eliminate mortgage headaches for your borrowers with Kind Lending’s Written VOE (Verification of Employment) program. This non-QM product uses a written VOE for qualification purposes versus traditional documentation such as W2s and paystubs.

National residential lender PrimeLending, a PlainsCapital Company, now offers a new home equity loan product giving homeowners the ability to convert home equity into cash. With a PrimeLending home equity loan, homeowners can access a portion of their home’s value without having to sell it. Simply put, homeowners can borrow money using their home equity as collateral and repay the loan at a fixed-rate over a 30-year term. Homeowners receive the cash as a lump sum upfront to use however they choose, such as consolidating debt, making home improvements, or covering tuition, medical or unplanned expenses.

Capital Markets

Fed Chair Powell knows Halloween is nearly four months away. The head of the Fed refrained from spooking markets yesterday at the European Central Bank’s annual forum, citing progress on inflation, which helped to bolster bets that the Fed will be able to cut rates this year. He added that the risks between price pressures and the labor market are coming into better balance, though predictably declined to foretell of a September reduction. In the wake of President Biden’s poor debate performance last week, many investors are preparing for higher-for-longer interest rates from the increased likelihood of a second Trump term and additional inflation-stoking tariffs. Conversely, Chicago Fed President Goolsbee said yesterday that the Fed should prepare for rate cuts.

The Job Openings and Labor Turnover Survey (JOLTS) is conducted by the Bureau of Labor Statistics of the U.S. Department of Labor. Looking for signs that the labor market is softening? May’s JOLTS report showed a labor market that in many ways looks like its pre-pandemic self. The number of job openings per unemployed worker remained unchanged, back at its 2019 average. Job openings unexpectedly rebounded in May from the three-year low hit in April, increasing to 8.140 million from 7.919 million in April, interrupting a downward trend. Fed Chair Powell yesterday described the job market as cooling off appropriately.

Due to the Independence Holiday tomorrow, some usual economic releases and supply are moved up to today’s calendar. The calendar kicked off with mortgage applications decreasing 2.6 percent from one week earlier, according to data from MBA’s Weekly Applications Survey. Keep in mind that we have had three straight weeks of gains, including during the prior holiday-adjusted week.

Markets have also received Challenger job cuts for June: 48,786 cuts, down 24 percent from the 63,816 cuts announced one month prior but 20 percent higher than the 40,709 cuts announced in the same month in 2023. We’ve had ADP employment for June (150k private-sector jobs were created, the lowest gain in five months but still a gain), and jobless claims (238k, as expected; continuing claims 1.858 million). Other releases today include the May trade deficit, Final S&P Global services PMI for June, ISM services PMI for June, factory orders for May, and Treasury releasing details of the mini-Refunding consisting of $58 billion new 3-year notes and $39 billion and $22 billion reopened 10-year notes and 30-year bonds.

The latest Fed Minutes (from the June 11-12 Federal Open Market Committee meeting) will be released today and should give us some further hints of the Fed’s thinking, though Fed messaging has been clear that inflation remains too high, and patience is needed to allow more time for the current rate target to bring it back down. Futures settlement close is at 1:00pm ET with SIFMA recommending a 2:00pm ET close for cash bonds.

Looming after tomorrow’s 4th of July Holiday is the June nonfarm payrolls report on Friday, where estimates anticipate the economy added nearly 200k jobs throughout the month, while they anticipate the unemployment rate will remain near historic lows at 4 percent. We begin the day before the holiday with Agency MBS prices a few 32nds better from Tuesday’s close, the 10-year yielding 4.41 after closing yesterday at 4.44 percent, and the 2-year is yielding 4.75.

Jobs

“After 50 remarkable years in mortgage lending, Planet Home Lending Senior Vice President, Correspondent Lending Jim Loving is retiring. Jim is an industry icon who’s built a remarkable culture focused on partnership since he joined Planet in 2014. Jim’s legacy at Planet and in the industry is a lasting one. From inventing Best-Efforts Delivery to building Planet Home Lending into a top-tier correspondent lender, he’s been a mentor and partner to many in our industry. As Jim moves on to the next chapter, our experienced Regional Managers will continue to serve as expert guides, helping you navigate today’s market challenges. We hope you’ll join us as Planet extends its deepest gratitude to Jim for his exceptional contributions.”

“Loan officers! Discover the radius advantage. Are you navigating a market that’s forgotten the value of loyalty? At radius financial group, we’re rewriting the script with our MLO Partnership-Proposition (MPP). We understand the industry’s pulse and the need for a genuine partnership—not just a platform to process loans. As lenders focus on consumers, we concentrate on you, the heartbeat of our business. You’re not just a number here; you’re the face of our brand, co-branded for success. We’re committed to investing in you, providing a stable home where your talents are nurtured and your book of business flourishes. For confidential inquires please contact Carla Herrera (781-742-6500).”

Retirements… Can our biz survive losing 123 years of experience in one fell swoop? Of course it can. How ‘bout 32-year vet Max Cocetti retiring after 19 years with MGIC? Or 41-year vet Donna Miller retiring from Truist? And after only 50 years in the biz, as noted above short-timer Jim Loving is calling it a career leaving his 10-year post as SVP of Correspondent Lending at Planet Home, with hopefully more Corvettes in his future. We wish them all the best!

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

Source: mortgagenewsdaily.com

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Home design trends in any year contradict themselves. For 2023, designers said it was the year of organic materials and muted greens, while other designers were painting walls black for dark academia bedrooms—complete with crows. Trends come and go, but we can use them to inspire ourselves and create our idea of a happy place. No matter how different we all may be, there’s a design trend for each of us—even if it includes crows. 

When home decorating, the goal is to find colors and elements that you like and that support the look you want to achieve, and then give them a try. The trick comes in finding a way to try 2024 trends without making major changes that you’re not ready to live with for the long haul. From the many, many trend lists we’ve looked at this year, we’ve chosen styles and elements that run the gamut from bold to understated, and modern to traditional. Whether you’re a moody crow lover or a modern farmhouse diehard, you’ll find something in this year’s trends to up-level your look.

1. Quiet Luxury

Designer: ANA Interiors. Photographer: Ana Cummings

If you’ve scrolled your feeds looking for home design ideas recently, you’ve seen #quietluxury trending. This understated approach to posh emphasizes quality and craftsmanship over flash and bling. Paring down decor, keeping clutter at a minimum, confining colors to muted neutrals, and adding quiet luxury ingredients are meant to inspire calm. The centerpiece of a quiet luxury living space is the cloud couch, a white sofa with a puffy seat and back pillows stuffed with goose down. 

“Quiet luxury is here to stay,” says Morgan Olsen, Thumbtack’s home and design expert. “Homeowners are done with loud luxury trendy pieces and are being very intentional with their spending. 2024 will be about craftsmanship over big brands and labels, as homeowners look for reclaimed materials and quality furniture.” 

That means buying pieces that last decades rather than the 3 or 4 years of mass-produced furniture. “But who said you have to get the cloud couch?” asks Olsen. Instead, find secondhand furniture by quality makers and reupholster it. Or pare down your wall art and knickknacks, then add goose-down throw pillows and a luxurious throw like this State Cashmere Striped Throw Blanket to your existing neutral sofa. 

2. Healthy Habits

Designer: Kelley Design Group.
Builder: CKN Capital Group.
Photographer: Cate Black Photography

Bringing wellness closer to home is no longer a luxury but an essential for many people, especially for exercise and spa experiences. “Homeowners will continue to turn their homes into wellness retreats, prioritizing features that have health benefits,” says Olsen. 

According to the 2024 Houzz U.S. Emerging Summer Trends Report, with cold plunge pool, indoor sauna, and backyard sauna all rising in search frequency in the first quarter of the year, compared with Q1 2023. At-home exercise has evolved from a stationary bicycle, with searches for bocce court, bowling alley, and game room all higher than last year. Mentions of pickleball courts on Zillow are up 64 percent over last year. People are looking for homes with private courts and nearby public courts. Pickleball in the driveway, anyone?

In addition to saunas, Amanda Pendleton, Zillow home trends expert, lists spa bathrooms and red-light therapy rooms among the features home buyers are using to complement wellness routines. While replacing a bathtub with a walk-in spa shower is a trend for remodeling projects, you can spend far less and create a spa bath at home with simple switches. Create a relaxing atmosphere by focusing on all five senses. Replace the counter clutter with a flower arrangement or basket of fluffy towels. Choose soft textures in muted colors and a comfy bath pillow, like this Luxurious Cork Bath Pillow by LIVTUUshop at Etsy. Add the soothing scent of essential oils and a source of meditative sound. Don’t forget a glass of cucumber water.

3. Hidden Spaces

Courtesy of Ruhl | Jahnes Architects.
Photographer: Nat Rea

Nothing beats a cozy reading nook, according to the 2024 Houzz U.S. Emerging Summer Trends Report. Searches for library walls, reading corners, and book nooks have all gone up this year. Secret spaces have long been a favorite for people who enjoy a bit of whimsy at home, along with out-of-sight storage. The Houzz Emerging Winter Trends Report, released at the end of 2023, shows that cloaked additions are gaining popularity. Searches for trapdoors are up by 350 percent, and searches for kitchens with hidden pantries rose by 250 percent. Say goodbye to the wet bar in the living room and hello to a secret speakeasy bar and lounge, or a wine bar and cellar under the stairs, both searched more often in 2023. 

If you’re not ready to tear down any walls or excavate the closet under the stairs, create nooks and hidden spaces with a few easy changes. Give more privacy to a window seat by hanging curtains outside the front of the seat rather than against the window. Hide the entrance to a closet with this Door Mural of Antique Bookshelves by Recallart at Etsy. In the kitchen, create a secret pantry by adding vertical wood panels on and around the pantry door. For renters, this Abyssaly Wood Slat Peel-and-Stick Wallpaper at Amazon is removable; homeowners who want a more permanent solution without the hassle of cutting wood can try the Set of 4 PVC Wall Paneling pieces at Wayfair that mount with adhesive.

4. Blues and Greens

Courtesy of Brittany Lyons Interiors.
Photographer: Mike Healey Photography

Green is the most popular color this year for home design. No, wait, it’s blue. Blue is the most popular color this year for interiors. Designers differ on this one, but most agree that shades of blue and green are taking center stage in the home. Mitchell Parker, senior editor at Houzz, says blue provides a calming influence. 

Sage and gray-green also are on the rise, according to the Houzz winter report. A barely-there sage functions as a neutral on kitchen cabinets, and a darker gray-green provides contrast to warm neutrals. In true blue fashion, however, several paint companies have chosen a shade of blue as their 2024 color of the year. 

Add contrast to neutral furniture and flooring with blue or green items you already own, gathering throw pillows and blankets, table runners, vases, decorative containers, and framed prints from other rooms. Add a blue or green ribbon trim to curtains or the base of a fabric sofa without a sewing machine by using HeatnBond Hem Iron-On Adhesive at Amazon; seal the trim with a flat iron (used for hair styling) in places you can’t fit onto an ironing board. For a classic look, we like this M&J Trimming Greek Key Fabric Ribbon in denim blue and sage options.

5. The Return of Creams

Courtesy of kate roos design.
Photography: Andrea Rugg Photography Andrea Rugg Photography

While many new homes are still coated in gray from floor to ceiling, the trend is moving away from this cool palette and back to warmer colors like cream, tan, and brown. Stark white walls are too harsh for this year’s earthy color schemes. Parker says beiges, creamy off-whites, and rich browns are the focus for a warm, welcoming space. 

If you like the look of an all-neutral, off-white room, add textures and patterns, as well as a variety of tones, to create a more layered look, says Parker. The Graham Leather/Suede Lumbar Rectangular Pillow Cover and Insert at Wayfair has a removable cover to swap for a machine-washable option when needed. Swapping accessories has a big impact, especially if you clear the clutter first. We like this Handmade Wood Table Vase, an organic take on the popular ceramic styles, and the Magalia Wood Tray that brings both functionality and latticework texture.

6. Whole Wall Art

Photo: iStock

If you want an abundance of colorful expression in your home design, those cream walls act as a blank canvas perfect for art and pattern. Bold floral wallpaper or a hand-painted mural are both big this year. Zillow’s 2024 home trend report shows that many homeowners are into eclectic, maximalist interiors. Murals in homes for sale are showing up 18 percent more often than last year. The good news is you can learn how to paint a mural even if you’re not an artist, with a bit of painter’s tape and imagination.

Wallpaper also comes in mural patterns, including the peel-and-stick variety beloved by renters and frequent redecorators everywhere. Modern botanicals, landscape vistas, and stripes are trending patterns this year. Guest baths are often the place to start, since the design will make a big impact in a small space without costing a lot of time or money. Murals like this Chinoiserie Watercolor Peacock Wallpaper by FabbWallDecor, can be subtle while bringing interest to a neutral palette. Or make a big impact with this Removable Abstract Wall Art Wallpaper by ONDECORstore, both at Etsy. 

7. Handmade Touches

Photo: Zillow

This year, embrace handmade pieces that show the inevitable imperfections of craft. Artisans are impacting today’s trends with handmade tiles, hand-thrown serving dishes, and hand-painted murals. Pendleton points to Murano glass chandeliers as an example of the handmade and bespoke features popping up in today’s homes. The colorful light fixtures are featured 58 percent more often in searches on Zillow, despite the sometimes hefty price tag. If this Ares Murano Glass Chandelier at $1,675 is out of budget, support an Etsy artist with this Handmade Dusty Pink Peony Pendant by FloralsBySERRO. 

Handmade items make your home unique and add a personalized touch to any room. The 2023 Houzz U.S. Bathroom Trends report showed that 62 percent of renovating homeowners are choosing a custom or semi-custom vanity. Repurpose a piece of vintage furniture and make your own vanity, or add painted details to an existing model.

8. Brutalism

Photo: Zillow

Even if industrial design isn’t your style, the return of brutalism can be a welcome change in today’s homes. Brutalist design uses materials like raw concrete, brick, steel, and bronze. You’ll see organic shapes with raw edges and unpolished surfaces, as well as a streamlined design for functionality. Pendleton says Zillow has seen a 452 percent increase in the number of homes for sale that mention brutalist design.

“The return of brutalism is the most surprising rising trend of 2024, particularly after the hygge movement where homeowners embraced cozy comfort over hard surfaces,” she says. “The hallmarks of brutalist design—raw, organic, and unfinished materials—are already showing up in furnishings, lighting, and accessories. When juxtaposed with overstuffed sofas, curved armchairs, and plush high-pile rugs, brutalist architectural elements can add visual interest and much-needed contrast to a space,” says Pendleton.

9. Style That Sticks

Designer: Molly J Littlejohn Design.
General Contractor: Kraft Custom Construction.
Photographer: Chuck Collier

Some trends stick around for years. Most people are hanging onto their outdoor kitchens and fire pits. Others come and go, like inflatable furniture. No one is missing that squeaky stuff. As interior design trends have bent back toward the traditional and eclectic, designers are emphasizing a focus on timeless style that doesn’t look dated from year to year. 

Parker says modern homes are showing brick, clay tiles, rustic wood, and other materials that signify a legacy rather than a fad. To get a timeless look that works for your space, create meaning through your belongings. A quality collection of original artwork from your travels will never go out of style, nor will vintage area rugs. Antiques are a good bet too because they add contrast to modern accessories. 

White bedding, pleated curtains, and anything with stripes serve as foundational textiles you can build upon as trends change. Truly timeless style is about quality and meaning, so make space in your home for what matters most.

Source: bobvila.com

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

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

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

The best interior design software of 2024 in full:

Why you can trust TechRadar

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

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

The best interior design software overall

(Image credit: Floorplanner)

Best interior design software overall

Specifications

Operating system: Browser

Plan: Free, Subscription

Reasons to buy

+

Free plan available

+

Intuitive and easy to use

+

Broad use from interior designers to real estate

+

Numerous customization options

Reasons to avoid

–

Some limitations with the free account

–

No desktop app

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

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

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

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

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

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

Read our full Floorplanner review.

The best interior design software for architects

(Image credit: Chief Architect)

Best interior design software for architecture

Specifications

Operating system: Windows, macOS

Plan: Subscription, Perpetual license

Reasons to buy

+

Easy to learn 

+

Multi-platform

+

Limitless possibilities

Reasons to avoid

–

Can appear daunting at first

–

3D views don’t always respond as expected

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

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

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

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

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

Read our full Home Designer Suite review.

The best interior design software for indoor/outdoor spaces

(Image credit: NCH Software)

Best interior design software for indoor and outdoor spaces

Specifications

Operating system: Windows, Mac

Plan: Subscription, Perpetual license

Reasons to buy

+

Easy to use

+

Multi-platform

+

Work on multiple levels

+

Can easily import 3D objects

Reasons to avoid

–

Not all objects installed initially

–

Occasionally awkward navigation

DreamPlan is the best home design software if you want powerful tools and simplicity of use. 

The interior design program, out for Windows and Mac, helps you create buildings on multiple levels, furnish them with a library of 3D models, and customize homes inside and out. Yes, that even includes landscape design. It’s built to let you easily make modifications and alterations.

But, in our review, what we really liked about one of the best home design software tools is that it’s “designed to make it easy to make modifications, and even goes out of its way to help you understand the app’s inner workings.”

Trace Mode will be especially handy for those with existing floorplans. These can be imported into the home design software and turned into a 3D model.   

DreamPlan features commercial and home licensing options – priced at $50 and $40 respectively, but check for regular discounts. So, it has a powerful enough toolset to use on a professional basis. But it’s intuitive enough for beginners. 

For those just starting out with the best interior design software, the built-in video tutorials help you understand the inner workings of the app – just look for the subtle blue camera icon. 

Read our full DreamPlan review.

The best browser-based interior design software

(Image credit: Dassault Systemes)

The best interior design app when you’re on-the-go

Specifications

Operating system: Browser, Android, iOS

Plan: Free, Subscription

Reasons to buy

+

Simple to use

+

Huge customisation

+

Can design an entire house for free

Reasons to avoid

–

3D pan can make some objects temporarily disappear

–

Long rendering times for low res photorealistic images 

HomeByMe is one of the best interior design apps for when the ideas are racing. It’s browser-based – even mobile browsers are supported – and has Android and iOS apps, so you can map out thoughts for your home whenever and wherever inspiration strikes.

Since the interior design tool is cloud-only, you’ll need to stay connected to use it. During our time with the home design software, we were impressed that “HomeByMe offers a very affordable service with a myriad of options. We particularly appreciated the fact that the free plan doesn’t appear to limit your design options, and lets you work on up to three different projects.” 

However, we were less impressed with the time it took to render low-res images. Worse, we found the free account pastes a giant watermark all across the image, rendering the effect pointless. HD images are rendered in minutes, and don’t have that watermark.

The platform offers three packages: free, one-time purchase, and monthly subscription. It’s a good way to see which works for you, as the free plan doesn’t appear to limit your design options, and lets you work on up to five projects. 

The limit on the number of HD photorealistic images (1920x1080px) is somewhat compensated by offering an unlimited number of lower quality ones (640x360px). You can also place real-world, branded products in your rooms for extra realism. 

HomeByMe has a lot to offer. If you’re not too fussed about those images, you can explore and create very complex designs with ease.

Read our full HomeByMe review.

The best interior design software for mobile

(Image credit: MagicPlan)

Best interior design software for Android and iOS

Specifications

Operating system: Browser, Android, iOS

Plan: Subscription

Reasons to buy

+

Easy to use

+

Free mobile app

+

Two free projects

+

Professional Report and Estimate tools

Reasons to avoid

–

AR appears to struggle when furniture is in the way

–

No desktop app

MagicPlan is one of the best interior software kits for busy creatives and contractors. 

When we reviewed the home design app, we liked its “easy to use features, an interesting AR option, and an original way of generating estimates for work needed to be done. The monthly subscriptions could pay for themselves if designing if your business, and it also offers you two free projects for casual users to explore as well.” 

Like HomeByMe, it lets you build designs from your browser, or within the Android and iOS apps. The free solution lets you design two projects. A monthly subscription is needed to unlock MagicPlan’s full capabilities.

You’ll find three tools in one: Sketch, Report, and Estimate. Essentially, tiered subscription packages that offer additional features. 

Sketch lets you create interior designs – and, for home users, that’s likely enough. Professional designers will appreciate the inclusion of reporting and estimating tools. Enterprise licensing is also available. 

One of the best interior design software tools here is the AR-enabled ‘Scan with Camera’. This lets you scan and measure the room you’re in – although we suspect this augmented reality feature would function a lot better in an unfurnished space. 

Read our full MagicPlan review.

Best interior design software: FAQs

What is interior design software?

best 3D printers. 

Time is a considerable factor. Even some of the best interior design software takes a long time to render concepts, especially when using photorealistic images. It’s a natural price to pay for high-resolution 3D designs. For some, speed may trump quality.

Check the system requirements for the software  In certain cases, highly professional interior design computer programs require high-performance computers. In this case, you may need a machine comparable to the best laptops for architecture students or the best laptops for engineering students.  These are build to smoothly run complex CAD designs. 

Check the price (and pricing model), too. Some options, like HomeByMe, offer free, paid-for, and subscription versions of its home design software. Others offer only one pricing model, so choose the one that best suits your creative budget.

How we test the best interior design software

We’ve tested a massive range of creative apps, including the best digital art and drawing software and the best graphic design software. But whether we’re testing out the top tools for 3D design or the best software for interior decorating, we follow the same fair and rigorous review process. 

When testing the best interior design software for homes, we’re looking to see how easy the experience is, how powerful the tools are, and how well the software performs. Designing in 3D can often take its toll on computers, after all. 

Asset library sizes are a factor — interior design tools should make your creative ideas a reality, not just a loose approximation. We’re also reviewing these design apps based on use. Unlike consumer software, professional-grade tools offer more advanced features, but might also have steeper learning curves and more expensive pricing models. So, we assessed how well the interior design program delivers for its intended market – whether they’re professionals or personal users. 

Essentially, when we test the very best interior design software for ourselves, we expect to see it work for its intended audience — whether they’re professional interior designers or creative enthusiasts. 

During our tests across the best home design software tools, we first set up an account with the relevant software platform, whether as a download or online service. We then tested each app using a handful of files to see how the software for interior design could be used for creating indoor spaces from scratch, bearing in mind issues such as ease-of-use, professional viability, and performance.

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Source: techradar.com

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As those in or near retirement continue to proclaim a preference for aging in place, there may be challenges for people who aren’t sure about how or when they should get started on making plans. A series of home healthcare, renovation and senior care experts offer tips on ways to begin in a column published by U.S. News & World Report.

For reverse mortgage clients looking to use their loan proceeds to fund the goal of aging in place, home renovations and other preparations may be requested from the reverse mortgage loan officer due to the high-touch nature of reverse mortgage origination. LOs often occupy a place of trust among their borrower clients.

For facilitating the goal of aging in place, planning ahead is key. One expert explained that it should start as soon as possible.

“Making small changes now can help you avoid scrambling to make big changes later on when you have limited capacity,” according to James Bowdler, a home healthcare professional.

Connecting with a specialized geriatric care manager can also allow a fuller assessment of potential hazards for aging in place that can be rectified with a retrofit or renovation of some kind, added Texas-based senior care expert Stacey Eisenberg to the outlet.

What was normal for a home with children or younger adults could prove to be hazards in later life, particularly as greater mobility challenges come from more advanced age. Widening doorways, removing clutter (including rugs, which could cause tripping) and improving the lighting in a home can be difference-makers according to architect Diana Melichar.

“Seniors typically have less mobility and physical agility, and their senses can be diminished,” she said in the column.

Another potential hazard is the presence of stairs, particularly if a main bedroom or other living space is located on a second floor, she added.

“Adding a primary bedroom suite to the first floor of your home is ideal,” she said. “If that’s not possible, then adding a chairlift or elevator is a second choice.”

Other elements that could aid the goal of aging in place include replacing door knobs with lever handles, which are easier to operate for people who have or may develop arthritis. Bathrooms are a common target for renovations since it can be easy to slip and injure yourself if you have limited mobility; nonstick mats and additional rails and handles can help mitigate some of this risk.

Smart home technology is also an increasingly common tool for outfitting a home for aging in place. In addition to digital assistants and speakers that are voice-operated, motion sensors that can automatically activate lights and internet-enabled appliances that can allow a user to monitor activation states can assist aging-in-place goals, certain experts say.

Source: housingwire.com