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Welcome to the land of frigid winters and friendly people.

From bustling urban centers to tranquil suburban paradises, the North Star State offers an impressive selection of beautiful places to call home. Each location featured below is ideal for singles and established families, young professionals and retirees alike.

Whether you’re drawn to a rich educational landscape, unique career opportunities or simply the lure of lake life, this guide to the best places to live in Minnesota will provide you with an insider’s perspective of the towns and cities that truly excel in offering a top-notch quality of life in the North.

  • Population: 425,336
  • Average age: 32.3
  • Median household income: $70,099
  • Average commute time: 23.1 minutes
  • Walk score: 71
  • Studio average rent: $1,083
  • One-bedroom average rent: $1,483
  • Two-bedroom average rent: $2,177

With a thriving job market that includes the headquarters of major companies like Target and General Mills, Minneapolis offers a wealth of opportunities for skilled professionals in a number of fields. Sports fans can easily catch a Vikings game on Sundays, or check out something less conventional like a roller derby match. Foodies will revel in the city’s inventive culinary scene — from food trucks selling gourmet grilled cheese to high-end eateries that could hold their own in any global city.

When it comes to everyday life, Minneapolis hits it out of the park. Think kayaking on the Mississippi River after work, or cycling around one of the city’s lakes on a sunny Saturday. Education is top-notch, with an array of public and private school options, as well as higher education institutions like the University of Minnesota. And let’s not forget about the Skyway system, a godsend during those brutal winters, connecting downtown buildings and making it possible to navigate the city without braving the cold.

  • Population: 307,193
  • Average age: 32.5
  • Median household income: $63,483
  • Average commute time: 25.5 minutes
  • Walk score: 60
  • Studio average rent: $1,031
  • One-bedroom average rent: $1,300
  • Two-bedroom average rent: $1,580

As the other (some would say better) half of the Twin Cities, Saint Paul is undeniably one of the best places to live in Minnesota. Often seen as the more laid-back and historic sibling to Minneapolis, Saint Paul exudes a unique charm with its cobblestone streets and grand brick buildings. But don’t let the quiet elegance fool you; Saint Paul is a powerhouse capital city in its own right. Home to state government buildings and a bustling downtown, the city is steeped in history while maintaining its forward-thinking attitude, hosting a variety of tech startups and eco-friendly initiatives.

Everyday life in Saint Paul offers a delightful mix of leisure and excitement. The city’s gorgeous parks, like Como Park with its zoo and conservatory, provide green escapes right in your backyard. Passionate about education? Saint Paul boasts an impressive range of schools, from Montessori institutions to language immersion programs. The city’s public transportation makes it easy to get around, and the food scene is a smorgasbord of global cuisines, from authentic Italian eateries to cozy Ethiopian cafes.

  • Population: 53,266
  • Average age: 43.3
  • Median household income: $100,363
  • Average commute time: 22.2 minutes
  • Walk score: 21
  • Studio average rent: $1,503
  • One-bedroom average rent: $1,727
  • Two-bedroom average rent: $2,094

Minnetonka is a city that elegantly straddles the line between suburban tranquility and outdoor adventure, making it one of the best places to live in Minnesota. Just a stone’s throw away from downtown Minneapolis, Minnetonka offers a life that is both sophisticated and close to nature. The city serves as a backdrop to Lake Minnetonka, where locals and visitors alike sail, fish or bask under the Minnesota sun. Despite its close proximity to a bustling urban center, Minnetonka maintains an almost resort-like atmosphere, where winding roads often lead to picture-perfect lakeside views.

In terms of everyday living, Minnetonka scores high marks across the board. The city is peppered with excellent schools, upscale shopping centers and a ton of quality restaurants. The extensive trail system provides an idyllic setting for cycling, jogging or walking your dog. And when winter rolls around, there’s ice-fishing on the lake and miles of snow-covered trails for cross-country skiing.

  • Population: 79,828
  • Average age: 40.4
  • Median household income: $112,631
  • Average commute time: 23.9 minutes
  • Walk score: 18
  • Studio average rent: $912
  • One-bedroom average rent: $1,380
  • Two-bedroom average rent: $1,782

What do you get when you mix top-tier schools, a thriving job market and abundant green spaces? The answer is Plymouth, clearly one of the best places to live in Minnesota. Located just 15 miles northwest of downtown Minneapolis, Plymouth has its own self-contained charm while still offering quick access to the big-city amenities. With Medicine Lake at its heart, residents have plenty of opportunities to get out on the lake and enjoy the great outdoors. It’s a city where career-driven individuals and families find common ground, surrounded by cutting-edge technology firms and family-friendly venues alike.

In Plymouth, everyday life feels like a well-curated blend of recreation and relaxation. The city boasts a range of parks that include everything from dog-friendly areas to skate parks. The school system is often cited as being among the best in the state, setting up young minds for a promising future. Plymouth also spoils its residents with its shopping options, whether it’s farmers markets brimming with local produce or retail spots that cater to fashion-forward shoppers.

  • Population: 86,372
  • Average age: 33.7
  • Median household income: $58,014
  • Average commute time: 17.1 minutes
  • Walk score: 36
  • Studio average rent: $705
  • One-bedroom average rent: $1,575
  • Two-bedroom average rent: $1,602

Perched along the northwestern shore of Lake Superior, Duluth is a gem that makes a compelling case for being one of the best places to live in Minnesota. This port city isn’t just a pretty face; it’s an adrenaline junkie’s paradise and an environmentalist’s dream rolled into one. With the Boundary Waters Canoe Area Wilderness to the north and the endless horizon of Lake Superior to the east, Duluth is a haven for outdoorsy types. Kayaking, hiking and even surfing (yes, freshwater surfing!) are all in a day’s fun.

Duluth is a hub for healthcare and education, offering a variety of options for both. The local food scene ranges from casual lakeside grills to upscale dining experiences that feature freshly caught fish. For retail therapy, explore boutique shops that offer a curated mix of local and global goods. Meanwhile, a strong sense of community is reflected in the city’s frequent festivals and public events, which range from airshows to maritime celebrations.

  • Population: 53,318
  • Average age: 44.3
  • Median household income: $108,576
  • Average commute time: 21.3 minutes
  • Walk score: 37
  • Studio average rent: $1,208
  • One-bedroom average rent: $1,507
  • Two-bedroom average rent: $1,980

Edina is a suburban utopia that has more to offer than just neatly manicured lawns and sprawling homes. In this charming town, you’ll find a melting pot of professionals, retirees and families, all lured by the city’s top-notch amenities. High-end shopping experiences await at places like the Galleria and Southdale Center, while the Edina Art Center and the various galleries scattered around town appeal to the artsy types.

The school system in Edina is often considered among the best in the state, setting up young learners for academic excellence. Fitness and recreational activities abound; with plenty of parks, golf courses and even indoor ice rinks, there’s no excuse not to engage in some form of physical activity. Dining options range from artisan coffee shops to posh restaurants, catering to the most discerning of palates.

  • Population: 63,161
  • Average age: 40.2
  • Median household income: $120,170
  • Average commute time: 23.4 minutes
  • Walk score: 18
  • Studio average rent: $1,630
  • One-bedroom average rent: $1,350
  • Two-bedroom average rent: $1,590

Eden Prairie boasts a high quality of life that many aspire to but few actually achieve. This southwestern suburb of the Twin Cities offers a harmonious blend of natural beauty and modern convenience. Think swan-dotted lakes and extensive walking trails side by side with cutting-edge tech companies and a thriving business community. What’s more, Eden Prairie is home to the largest enclosed shopping center in the state, offering retail delights to those who are sartorially inclined.

Eden Prairie excels in serving up a comfortable and fulfilling life. A mix of highly rated public and private schools makes it a hit among families. For those who love the great outdoors, the city has more than 1,000 acres of active-use parkland. Work-life balance gets a new meaning here, as the city hosts several Fortune 500 companies, giving residents the option to work where they live.

  • Population: 121,465
  • Average age: 35.9
  • Median household income: $76,034
  • Average commute time: 20.7 minutes
  • Walk score: 30
  • Studio average rent: $1,257
  • One-bedroom average rent: $1,542
  • Two-bedroom average rent: $1,600

When people hear the name Rochester, they often think of the world-renowned Mayo Clinic. However, this southern Minnesota city is far more than just a healthcare hub. It is one of Minnesota’s best places to live, offering an attractive mix of urban sophistication and small-town charm. High-quality healthcare is undoubtedly one of its flagship features, but Rochester also scores points for its robust education system and a strong job market beyond healthcare, featuring a number of tech startups and innovative small businesses.

Life in Rochester is a pleasant blend of intellectual stimulation and recreational pursuits. The city’s public library is a hive of activity, with events that range from author talks to coding classes for kids. Meanwhile, the parks and nearby Zumbro River provide a scenic backdrop for everything from picnicking to fishing, ensuring weekends are never dull. For those who require retail therapy, Downtown Rochester offers a slew of shops and boutiques that provide a unique shopping experience, while the culinary scene is an exciting mix of traditional American fare and international cuisine.

  • Population: 44,693
  • Average age: 26.4
  • Median household income: $56,274
  • Average commute time: 17.7 minutes
  • Walk score: 40
  • Studio average rent: $995
  • One-bedroom average rent: $1,195
  • Two-bedroom average rent: $1,250

The phrase “college town” often conjures images of manicured campuses, lively sporting events and perhaps the occasional toga party. But Mankato, home to Minnesota State University, goes beyond the stereotype, landing it firmly among the best places to live in Minnesota. Located about 80 miles southwest of the Twin Cities, Mankato offers a dynamic lifestyle where education, commerce and natural beauty intersect. The presence of the university enriches the town with a youthful energy, and that’s complemented by a diverse business sector ranging from healthcare to high-tech.

Mankato is a paradise for outdoor enthusiasts with its well-maintained bike trails and Minneopa State Park, where you can see a waterfall and a herd of American bison. For those more inclined to indoor pursuits, there’s no shortage of cafes to sip your latte as you catch up on some reading. Parents will appreciate the quality of the local schools and the abundance of family-friendly activities, from interactive museums to public art projects.

  • Population: 68,818
  • Average age: 30.5
  • Median household income: $54,427
  • Average commute time: 21.4 minutes
  • Walk score: 34
  • Studio average rent: $724
  • One-bedroom average rent: $745
  • Two-bedroom average rent: $975

Saint Cloud shines as one of the best places to live in Minnesota. Situated along the Mississippi River, this central Minnesota city combines the allure of scenic beauty with a robust economy. Here you’ll find Saint Cloud State University, lending the town a youthful energy, and a thriving healthcare sector offering solid employment opportunities. It’s a city of contrasts where a 19th-century courthouse stands right next to tech startups.

Families and fitness junkies alike can take advantage of over 90 parks and a clutch of well-maintained trails for biking, walking or leisurely riverfront strolls. The Paramount Center for the Arts is a treasure trove for patrons of the arts, presenting a lineup of plays, concerts and exhibitions year-round. From locally-owned boutiques to big-box retailers, the shopping scene provides something for every type of spender.

There’s an apartment made for you in Minnesota

From the serene beauty of Minnetonka to the bustling energy of Minneapolis, and from the youthful verve of Mankato to the well-rounded appeal of Eden Prairie, Minnesota is more than just a place to endure cold winters; it’s a state where you can truly thrive. Choose wisely, but rest assured that in this incredible state, you’re almost guaranteed to find a community that feels like home.

Rent prices are based on an average from Rent.’s multifamily rental property inventory as of July 2023.
Other demographic data comes from the U.S. Census Bureau.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

Apache is functioning normally

Apache is functioning normally

Thanks in part to hosting the 2002 Winter Olympics, the Games helped put this sleeper metropolitan city on the map and pushed the economy to create more things for younger, Mormon and non-Mormon populations alike to enjoy.

Now Salt Lake City is home to booming brewhouses, a trending food scene, a culture that thrives on supporting local businesses and outdoor/indoor sports galore. From hiking to skiing, you can enjoy the mountains surrounding Salt Lake Valley year-round.

As Utah’s state capitol, it’s home to about a third of Utah’s population, with the larger area’s population coming in at 1.3 million. The state as a whole has a pretty young population with the median age being 27 and Salt Lake City’s living is pretty affordable. The average rent for a one-room apartment is $1,317. The greater Salt Lake City area has 22 different neighborhoods, each one a little different in vibe and conveniences.

Salt Lake City is home to the following professional sports teams: The Real Salt Lake MLS team, the Utah Jazz NBA team and the Utah Warriors MLR. Along with some minor league teams like the Salt Lake City Stars NBA G League and the Minor League Baseball team the Salt Lake Bees.

Here are the best neighborhoods in Salt Lake City.

  • Walk Score: 67/100

If you’re all about the outdoors, then this quiet and small Arcadia Heights neighborhood is just the cozy place you’ll find yourself gravitating toward. Right at the base of the Wasatch Mountains, it’s near outdoor gear shops and hiking trails.

Arcadia Heights attracts middle-aged residents, but that just makes it all the more peaceful. This little neighborhood has parks, dog parks and country clubs, so you can enjoy nature no matter your preference. Head to the mountains from your own back door, or take a 10-minute trip over to the Millcreek Canyon for fly fishing, snow-related sports or a great biking challenge.

  • Walk Score: 72/100

Not to confuse it with the Bonneville Salt Flats, Bonneville Hills is a nice suburban area just west of East Bench, where young professionals, families and professionals tend to gravitate. The streets have older homes and trees and the area is well-manicured.

It’s conveniently located, letting you reach wherever you need to go in just a few minutes, while still giving you that quieter lifestyle.

Source: Rent./Seasons at Library Square
  • Median 1-BR rent: $1,412
  • Median 2-BR rent: $1,918
  • Walk Score: 89/100

The Central City area is a super biker-friendly neighborhood and touted as the City’s first hipster cove. Central City gives Capitol Hill a run for its money on coffee shops, too, but also offers the brunching destinations of your dreams, why it’s one of the best neighborhoods in Salt Lake City.

Walk around and enjoy the Tracy Aviary, the sculptures in Gilgal Gardens or the perfect view for sunsets in the Faultline Gardens. Thanks to all the parks, bars and restaurants, young professionals have understandably been flocking to the area for years.

  • Median 1-BR rent: $1,374
  • Median 2-BR rent: $1,499
  • Walk Score: 67/100

East Bench traditionally has an older population of retired folks — but they can make the best neighbors. It’s just 10 minutes from Downtown and provides a great suburban feel.

If you’re looking for something a little on the quiet, slightly upscale side with a golf course or two, East Bench is the place for you.

  • Median 1-BR rent: $1,006
  • Median 2-BR rent: $1,179
  • Walk Score: 60/100

The Glendale neighborhood is conveniently close to the downtown hustle and bustle, just west of I-15. This neighborhood loves the outdoors, as it has several parks. The biggest park, Jordan Park, hosts the weekly People’s Market where residents can get freshly grown and homemade goods.

Glendale’s home to the planetarium, Utah’s largest brewery and loads of dining options, too.

Source: Rent./The Charli
  • Median 1-BR rent: $925
  • Median 2-BR rent: $1,025
  • Walk Score: 67/100

What was S.L.C.’s industrial district, like so many other metropolitan areas, has become the revitalized hangout destination for young professionals. With outdoor murals all over the buildings in the Granary and Ballpark District, and so many eating and drinking options, it’s clear to see why so many flock to this area, even if they’re only there to catch a Salt Lake Bees game.

And what’s a minor-league baseball game without beer, right? The district is full of gastropubs and good brews, too, perfect for one of the best neighborhoods in Salt Lake City.

  • Median 1-BR rent: $925
  • Median 2-BR rent: $1,095
  • Walk Score: 64/100

Highland Park has a homey and local feel that’s packed full of history. There’s a pretty large historic preservation effort going on in the neighborhood, which was developed starting in 1910.

Like several other niche areas in S.L.C., Highland Park is all about supporting local businesses, and its efforts have curated quite a few cool shops. Stroll the streets to find a specialty plant retailer, a garden and bird supplier, a bookstore and an old-school pharmacy/gift shop. The food is great, ranging from Italian or Greek to Dutch or sushi.

Highland Park is also known for its Visual Arts Institute, along with its golf course. There’s something for everyone at Highland Park!

  • Median 1-BR rent: $1,125
  • Median 2-BR rent: $1,395
  • Walk Score: 67/100

The Liberty Wells area has a history of ebbing and flowing, due to its play in Salt Lake City’s history. From supporting the city through agriculture to streamlining streetcars, Liberty Wells has had its highs and lows.

Currently, it’s experiencing a massive high and is a huge upcoming residential area. As a part of that, the newer apartment buildings are ample, as are ways to enjoy the neighborhood. From wonderful food choices to Liberty Park or the Chase Home Museum of Utah Folk Arts, there’s pretty much always something to enjoy in the area.

  • Walk Score: 67/100

The 9th and 9th district likes to say it’s a one-stop-shop for all things dining, shopping and living-related and promotes a “buy local” lifestyle. The neighborhood has figured out that if you eat and shop locally, the money goes back into the community. Mom-and-pop shops are around every corner, and the big-box stores are a little harder to find. The 9th and 9th District calls itself the “anti-mall” community.

From breweries to Thai and Hawaiian eateries, this mellow little neighborhood packs a punch of diversity so its residents will never get bored.

  • Median 1-BR rent: $1,064
  • Median 2-BR rent: $1,449
  • Walk Score: 52/100

Rose Park is on an upward swing in Salt Lake City and is becoming one of the most up-and-coming suburbs in the area. It’s one of the most ethnically diverse areas in the city, and you can’t beat the easy commute!

Loaded with tons of community parks and filling up fast with families, this is a great area if you’re looking to escape the hustle and grind in the throes of a city, but don’t want to get too far out.

  • Median 1-BR rent: $1,602
  • Median 2-BR rent: $1,902
  • Walk Score: 67/100

Sugar House is one of the best neighborhoods in Salt Lake City neighborhood and it’s pretty progressive. In fact, it’s known as one of the most “hippy” neighborhoods in S.L.C. The fun name comes from its first settlers planting sugar beets.

Sugar House is actually one of the city’s oldest neighborhoods, established in 1853 and it’s home to Sugar House Park, a large park with great views on the Wasatch Mountains and ample running trails.

If you’re in the mood to shop, this little neighborhood scattered with Victorian-styled bungalows has you covered, stop into any slew of the hippy boutiques selling anything from olives to tarot cards or locally made goodies.

  • Walk Score: 41/100

While largely residential and suburban, Sunnyside East feels spread out and laid back with a little less than 700 residents. It’s a little further out from the heart of the city, so most residents are either retirees or families looking for something a little slower and quieter.

The attractions are pretty diverse though, as Sunnyside East is home to a golf course and the zoo. Those attractions bring in plenty of events throughout the year, too. With plenty of food options — pho, smoothies, curry, delis and sushi — there’s no reason to ever leave the area.

  • Median 1-BR rent: $1,200
  • Median 2-BR rent: $1,700
  • Walk Score: 68/100

If you’re into an old-town feel, something lined with old homes that need love, The Avenues is the S.L.C. neighborhood for you. Stretching up along the hillside, this region overlooks the State Capitol Building and has a storied, history-rich vibe. If you’re a coffee fiend, this is the neighborhood of your dreams. With all the political hustle in this neighborhood, the coffee runs faster than the Legislature.

Take a scenic stroll through architectural wonders like the nearby Cathedral of Madeleine, the State Capitol building itself or the Salt Lake Masonic Temple. For a slightly spookier journey, you could always try to find the city’s oldest grave in the Salt Lake City Cemetery. Be sure to catch a play at the theatre, too.

  • Median 1-BR rent: $925
  • Median 2-BR rent: $1,095
  • Walk Score: 67/100

The University District takes its name from the University of Utah. While it has a fair bit of students and medical professionals coming and going from day to day, this youthful niche has brought in a lot of great hangouts and events to the area’s residents.

Located at the foothills of the mountains, you can’t beat the scenery! Not only is it home to the Natural History Museum, but it also has all kinds of outdoor activities and parks to enjoy, too, like the famed Living Room hike. What you would expect from one of the best neighborhoods in Salt Lake City.

  • Walk Score: 41/100

Yalecrest is another one of Salt Lake City’s most treasured old historical neighborhoods. Often referred to as Harvard-Yale, these homes were designed with consistency in mind.

Keeping the same architectural motifs of period cottages throughout, there’s a continuity in the homes that’s pleasing to the eye while differing enough to keep you intrigued. It’s this reliability that makes it one of S.L.C.’s most historically well-preserved areas, thanks in part to its residents’ pride in the area.

Because of Yalecrest’s dedication to the original structures, there aren’t too many nonresidential buildings in the area, but the residents love the neighborhood’s charm so much they don’t mind going for a drive to get their groceries.

What’s the best neighborhood in Salt Lake City for you?

Whether you’re a teetotaler or a brewmaster, a golfer or a hiker, Salt Lake City has you covered. If you think you found your new neighborhood, be sure to check out current apartments to rent in Salt Lake City.

The rent information included in this article is based on a median calculation of multifamily rental property inventory on Apartment Guide and Rent. as of November 2021 and is for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

Apache is functioning normally

Published on September 24, 2023


Courtesy of Astraeus Clarke

While full-on Crayola-like green conjures less than complimentary connotations—green with envy; green around the gills; the grass is always greener—take the hue down a notch by mixing in some gray or black and the color yields a whole different experience. Deep-green hues evoke nature in a more meditative manner. Such elements feel nearly spiritual; think of jade, pines, and seaweed. Green is the color of the outdoors and it nurtures the soul. So, pull deep green-decor into your home.

One might balk at the thought of a green dresser, but Acerbis’s Storet subtly teases color out of a rich walnut. Think of it as a functional fern in the corner of your bedroom. Astreus Clarke’s Roebling lamp is a minimalist and earthy green marble alternative to a banker’s lamp with a lollipop-green glass shade. And, it looks as home in a library as on a nightstand. Sara Hayat’s Bevel sofa is a statement piece around which one builds a room; luscious green velvet upholstery is much more inviting than gray. Dive into deep green; we consider a timeless neutral.

  • Sara Hayat scoured industry sources near and far to find a fill that would give the Bevel a bit of bounce while ensuring its cushions would retain their pebble-like shape. Indeed, each velvet-upholstered seat cradles a person perfectly. As it should: It takes the team about a month to hand-stitch this low-slung belted beauty. $28,495

  • Minotti who passed away in August, played with the idea of balance in the Solid Steel coffee table, despite the heavy-metal inference of its moniker. Party-ready glossy and mirrored finishes belie the architectural geometry of the streamlined, staggered slabs. Even with its fashion-forward feel (or backward: the materials reference 1970s glamour), it evokes an unflinchingly Bauhaus sensibility. Price upon request

  • Astraeus Clarke found inspiration in N.Y.C. The Roebling table lamp takes its form, albeit loosely, from the Brooklyn Bridge and its name from the bridge’s engineers, John A. Roebling and his wife, Emma. The lamp’s deep-green marble pillars support a gable-shaped top that hides the light source. But there’s a twist: That top segment pivots 360 degrees, allowing the user to direct illumination as needed. $12,500

  • New Ravenna. Duo, a waterjet mosaic, features boxy, mustard-toned cross-stitches that punctuate a large, dark grid over elegant marble with green veining. The coastal Virginia–based company replicates the texture of stone that has been well-worn by salt air, ensuring your kitchen, bath, or patio looks suitably lived-in. $229 per square foot

    • Source: robbreport.com

    Apache is functioning normally

    Apache is functioning normally

    Though the fictional Stars Hollow didn’t make the list, you’ll see the charming towns that might have inspired it.

    Connecticut, with its diverse range of communities, offers a plethora of attractive options that suit various lifestyle needs.

    When it comes to locking down the ideal location for you and yours, the choice can be dizzying. From coastal towns that exude maritime charm to bustling cities rich in cultural and recreational activities, Connecticut has something for everyone. This article takes a closer look at some of the best places to live in Connecticut, focusing on factors like quality of life, education, economic stability and more.

    • Population: 136,309
    • Average age: 37.9
    • Median household income: $99,791
    • Average commute time: 31.0 minutes
    • Walk score: 55
    • Studio average rent: $2,019
    • One-bedroom average rent: $2,618
    • Two-bedroom average rent: $3,498

    Stamford has it all. From high-energy downtown life to the serenity of beachfront communities, Stamford’s strategic location near New York City makes it a popular spot for those who work in the Big Apple but want a more relaxed environment to call home.

    Stamford’s economy is booming, thanks in part to a thriving financial sector and the presence of several Fortune 500 companies. On the leisure side, the city doesn’t disappoint. Between the Stamford Town Center mall, the Avon Theatre and the Stamford Museum & Nature Center, there’s never a dull moment.

    Living in Stamford offers not just the perk of urban convenience but also opportunities for seaside relaxation. With beaches like Cove Island Park offering saltwater swimming and picnic spots, residents get to experience the best of both worlds. The public schools in Stamford are highly rated, making it an excellent choice for families. There’s also an assortment of housing options to fit different lifestyles—from modern apartments to colonial-style homes. The city’s efficient public transportation and close proximity to major highways make getting around a breeze.

    • Population: 120,5776
    • Average age: 32.9
    • Median household income: $37,477
    • Average commute time: 22.3 minutes
    • Walk score: 67
    • Studio average rent: $1,432
    • One-bedroom average rent: $1,613
    • Two-bedroom average rent: $1,705

    Hartford somehow manages to offer an urban buzz in a friendly, neighborhood-like atmosphere. As one of the best places to live in Connecticut, Hartford is a hub for healthcare, education and insurance, hosting some of the largest companies in the industry. From historic sites like the Mark Twain House to the modern wonders of the Connecticut Science Center, the city offers a range of activities for all age groups. Foodies will find a growing culinary scene that rivals larger cities, while sports enthusiasts can catch a Hartford Yard Goats game at Dunkin’ Park.

    Although the city possesses a bustling downtown, the many parks and green spaces provide ample room for relaxation and outdoor activities in peace. Bushnell Park, for instance, serves as the city’s green lung, with a carousel and plenty of space for picnics or jogs. For those looking to raise a family, Hartford offers a variety of public and private school options, and the nearby suburbs provide even more choices for residential living. With its proximity to other major cities like Boston and New York, Hartford makes for a convenient home base without the overwhelming bustle, cementing its status as one of Connecticut’s most desirable places to settle down.

    • Population: 62,396
    • Average age: 43.4
    • Median household income: $115,885
    • Average commute time: 30.4 minutes
    • One-bedroom average rent: $3,720
    • Two-bedroom average rent: $5,452

    Greenwich is not just a name you’ll hear on Wall Street; it’s also one of the best places to live in Connecticut. Often celebrated for its high-end shopping districts and upscale neighborhoods, Greenwich offers an extraordinary quality of life just a stone’s throw away from New York City.

    The city is a magnet for successful professionals and families, featuring top-tier public schools and a range of impressive real estate options, from sprawling estates to contemporary condos. For those who appreciate the finer things, the Greenwich Avenue shopping district is a stroll down luxury lane, boasting designer boutiques, art galleries and some of Connecticut’s best dining spots.

    The allure of Greenwich isn’t just limited to its commercial and residential glamor. The city is equally rich in natural beauty and recreational activities. Topping the list are the pristine beaches along Long Island Sound, which provide the ideal backdrop for sailing, swimming or simply soaking up the sun. For those who love the outdoors, the city is home to a ton of parks and nature reserves, making it a splendid locale for hiking and bird-watching. Excellent public services, a low crime rate and community-centric events like the annual Greenwich International Film Festival, round out the city’s many merits.

    • Population: 135,081
    • Average age: 30.7
    • Median household income: $42,222
    • Average commute time: 22.9 minutes
    • Walk score: 68
    • Studio average rent: $1,745
    • One-bedroom average rent: $2,322
    • Two-bedroom average rent: $2,895

    New Haven is frequently highlighted as one of the best places to live in Connecticut. Known worldwide as the home of Yale University, the city offers a rich intellectual climate without skimping on culture and recreational options. Whether you’re drawn by the scholarly atmosphere, the groundbreaking medical facilities or the economic opportunities in technology and healthcare, New Haven has something for everyone. Add in iconic spots like the historic Shubert Theatre and the culinary treasure trove that is Wooster Square, famous for its pizza, and you’ll see why many consider it a gem in the Constitution State.

    Life in New Haven isn’t only about hitting the books or attending lectures. Residents here find plenty of room for leisure and outdoor fun. East Rock Park offers panoramic views of the city and is a popular spot for hiking, while Lighthouse Point Park is preferred for beach outings and scenic picnics.

    • Population: 62,105
    • Average age: 41.0
    • Median household income: $149,641
    • Average commute time: 32.9 minutes
    • One-bedroom average rent: $2,200
    • Two-bedroom average rent: $2,065

    When discussing the best places to live in Connecticut, Fairfield frequently makes the cut — and with good reason. Thanks to a strategic location along the Long Island Sound, this charming town seamlessly blends coastal living with suburban tranquility.

    Fairfield University and Sacred Heart University lend the town an intellectual flair, adding an assortment of unique events and academic resources to the mix. Economically, Fairfield holds its own with a diverse job market in industries like healthcare, education and retail. As for leisure, from the historic Burr Mansion to the Fairfield Theater Company, there’s no shortage of arts and culture to indulge in.

    Fairfield doesn’t skimp on the natural beauty either, boasting several pristine beaches and peaceful parks. Jennings Beach and Lake Mohegan are popular spots for swimming, picnicking and hiking, perfect for individuals and families alike. Speaking of families, the town’s public schools are highly rated, offering strong academic programs that make Fairfield an attractive place for parents seeking quality education for their children.

    • Population: 34,427
    • Average age: 44.0
    • Median household income: $140,420
    • Average commute time: 22.5 minutes
    • One-bedroom average rent: $1,450
    • Two-bedroom average rent: $2,575

    Glastonbury is a picturesque town that is often cited among the best places to live in Connecticut. Located along the banks of the Connecticut River, Glastonbury is a hotspot for those who enjoy outdoor activities with a side of upscale suburban life. With a strong job market primarily in healthcare, education and insurance, the town provides a stable economic environment for professionals. When it comes to recreation, whether you’re a fan of farmers markets, antique shops or hiking trails, like those found in Case Mountain, Glastonbury doesn’t disappoint.

    Beyond its recreational appeal, Glastonbury makes a lasting impression with its commitment to education. The public schools are among the best in the state, featuring comprehensive curriculums and a wide range of extracurricular activities. A tight-knit community spirit is palpable here, supported by various local events and a bustling town center where residents gather to shop, dine or simply catch up.

    • Population: 18,114
    • Average age: 50.8
    • Median household income: $60,139
    • Average commute time: 34.9 minutes
    • One-bedroom average rent: $1,800
    • Two-bedroom average rent: $2,650

    Madison is a picturesque town that offers its residents the dual joys of beach life and a robust culture. From enjoying water sports like kayaking and paddleboarding to exploring the town’s many boutique shops and cafes, Madison has a little something for everyone. And don’t overlook the cultural richness here: Places like the Scranton Library and the Madison Art Cinemas add layers of activity and entertainment to community life.

    Madison also brings practical advantages to the table. Education is a strong suit, with public schools that rank among the top in the state, offering a variety of advanced placement courses and extracurricular activities. From the historic district to the more modern parts of town, the housing market is diverse, providing plentiful options for different lifestyle needs.

    • Population: 7,228
    • Average age: 45.8
    • Median household income: $129,919
    • Average commute time: 36 minutes
    • One-bedroom average rent: $1,850
    • Two-bedroom average rent: $1,951

    If you’re on the hunt for a place that combines New England charm with an air of sophistication, Ridgefield should undoubtedly be on your list of the best places to live in Connecticut. Located near the New York state line, Ridgefield has long been a favored destination for those who desire a serene living environment without sacrificing easy access to the hustle and bustle of the city. It’s the kind of place where historic homes, top-notch schools and swanky boutiques coexist harmoniously. The Ridgefield Playhouse and the Aldrich Contemporary Art Museum inject a dose of culture into the community.

    When it comes to recreation, Ridgefield does not disappoint. Open spaces like Bennett’s Pond State Park and the Ridgefield Rail Trail offer plenty of opportunities for hiking, biking and nature observation. Families, in particular, find Ridgefield a prime location for settling down, thanks to an excellent public school system and myriad of youth-oriented activities.

    • Population: 86,759
    • Average age: 38.9
    • Median household income: $74,600
    • Average commute time: 28.6 minutes
    • Walk score: 37
    • Studio average rent: $1,575
    • One-bedroom average rent: $2,202
    • Two-bedroom average rent: $2,925

    Positioned along the New York-Connecticut border, Danbury stands as a diverse and bustling city, frequently highlighted as one of the best places to live in Connecticut. Known as ‘Hat City’ for its once flourishing hat industry, Danbury is now a hub of commercial activity thanks to Danbury Fair Mall, a variety of restaurants and a lively downtown area.

    The city’s employment landscape is as diverse as its population, with opportunities spanning from healthcare to retail to manufacturing and more. Highlights like the Danbury Music Centre and the Danbury Railway Museum add a unique touch to city life, appealing to residents of all ages.

    Beyond its commercial and cultural assets, Danbury provides residents with a ton of opportunities to get their hearts pumping. Candlewood Lake, the largest lake in Connecticut, provides a fantastic backdrop for boating, fishing and kicking back under the sun. The city is also home to several parks and trails, perfect for all outdoorsy types. Education is well-covered, too, with public and private schools offering challenging curriculums and well-supported extracurricular programs. Whether you’re interested in renting a modern apartment downtown or purchasing a traditional home in one of its quieter neighborhoods, there’s a place in Danbury for you.

    • Population: 50,541
    • Average age: 44.3
    • Median household income: $97,951
    • Average commute time: 25.5 minutes
    • Walk score: 34
    • Studio average rent: $1,945
    • One-bedroom average rent: $2,262
    • Two-bedroom average rent: $3,045

    Boasting 17 miles of coastline along Long Island Sound, Milford brings together the best of seaside living and suburban comfort, easily making it one of the best places to live in Connecticut. This small city with a big heart offers a ton of activities that keep residents engaged year-round. Whether you’re a beach enthusiast, a shopping addict or someone who loves exploring historical sites like the Eells-Stow House, Milford has you covered. The city’s downtown area is a blend of old-school charm and modernity, filled with boutique stores, art galleries and eateries that offer a delightful mix of local and international cuisine.

    When it comes to education, Milford doesn’t fall short. The city has excellent public and private schools that make it an attractive destination for families. Moreover, Milford’s well-planned residential areas offer an array of housing options, from cozy beachfront cottages to more expansive homes further inland.

    On the employment front, Milford boasts a balanced job market with opportunities in healthcare, education and retail, just to name a few. A sense of community is palpable here, nurtured through yearly events like the Oyster Festival and a strong network of local organizations.

    Your Connecticut community is waiting

    After exploring a variety of towns and cities, it’s clear that the list of the best places to live in Connecticut is expansive and diverse. Whether you’re seeking the cosmopolitan allure of a bustling city, the tranquil ambiance of a coastal town or the balanced offerings of a suburban community, Connecticut provides a compelling list of options.

    Each town featured above offers its unique blend of attributes, from excellent schools and flourishing job markets to open spaces that keep you engaged. Choosing where to live is a personal decision, but one thing is certain: in Connecticut, you’re spoiled for choice.

    Ready to find the perfect Connecticut apartment for you? Start your search at Rent.

    Source: rent.com

    Apache is functioning normally

    Arkansas has far more to offer than just stunning landscapes and southern charm.

    If you’re contemplating making a move, you may be curious about the best places to live in Arkansas. From bustling cities steeped in history to quaint towns with thriving education and tech industries, Arkansas is a state of opportunity.

    Whether you’re seeking an outdoor playground, a cultural hub or a community where you can climb the corporate ladder, this guide will provide insights into what makes each location unique, ultimately helping you decide the best place to live in The Natural State.

    • Population: 95,230
    • Average age: 27.7
    • Median household income: $52,111
    • Average commute time: 19.5 minutes
    • Walk score: 32
    • Studio average rent: $1,080
    • One-bedroom average rent: $885
    • Two-bedroom average rent: $960

    As the third-largest city in the state and home to the University of Arkansas, Fayetteville presents an inviting mix of small-town charm and big-city amenities. Razorback football games turn the entire community into a sea of red, while the Fayetteville Farmers Market provides a weekly display of local produce and crafts that showcases the area’s natural bounty.

    The city isn’t all about sports and farming, though. Fayetteville also has a flourishing arts scene, complete with galleries, theaters and live music venues.

    Fayetteville takes quality of life seriously, with an array of parks, trails and green spaces helping the city earn a reputation as one of the most outdoor-friendly cities in the South. The Ozark Mountains provide a scenic backdrop for hiking, biking, and outdoor exploration, while the city itself is highly walkable with an efficient public transit system. Affordable housing and excellent public schools make it an ideal place for families, and the diverse job market — which includes industries like healthcare, education and technology — draws skilled professionals from a wide range of fields.

    • Population: 56,734
    • Average age: 32
    • Median household income: $89,653
    • Average commute time: 16.6 minutes
    • Walk score: 24
    • Studio average rent: $1,292
    • One-bedroom average rent: $980
    • Two-bedroom average rent: $1,795

    Often cited among the top places to live in Arkansas, Bentonville is more than just the corporate headquarters of Walmart. It’s a hub of innovation, culture and outdoor adventure. With its unique position at the crossroads of business and leisure, the city offers a lifestyle that caters to seasoned professionals and young families alike.

    Downtown Bentonville is a hive of activity with an eclectic mix of coffee shops, gourmet restaurants and boutique stores. For those who appreciate art, the Crystal Bridges Museum of American Art is a major draw, showcasing works from the Colonial period to the present day.

    Bentonville has something for outdoorsy types, too. The city is a great spot for mountain bikers, thanks to an extensive network of trails that range from beginner to expert levels. Families can take advantage of many parks and open spaces, and Lake Bella Vista is a scenic locale for kayaking, fishing and soaking up the Northwest Arkansas sun.

    For daily errands and essentials, the town has plenty of convenient shopping options, many of which are located within a short drive. The highly rated public school system and low crime rates add to the city’s appeal, making Bentonville not just a great place to work, but a fantastic place to call home in Arkansas.

    • Population: 201,998
    • Average age: 36.5
    • Median household income: $56,928
    • Average commute time: 23.1 minutes
    • Walk score: 33
    • Studio average rent: $1,170
    • One-bedroom average rent: $864
    • Two-bedroom average rent: $892

    Little Rock, the capital city of Arkansas, consistently ranks among the premier spots in Arkansas for good reason. This metropolitan area offers a compelling mix of historical landmarks, cultural events and economic opportunities.

    The city’s River Market District is a lively area filled with artisanal shops, eateries and bustling farmers markets, setting the stage for a solid social scene. Add to that a healthy selection of museums, including the William J. Clinton Presidential Library, and you have a city that is historically rooted and forward-thinking.

    For everyday living, Little Rock delivers a variety of essentials. Education options abound, from a multitude of public and private schools to institutions of higher learning like the University of Arkansas at Little Rock. Health and wellness are prioritized, with a network of hospitals and clinics offering top-notch medical care. Outdoor enthusiasts will appreciate the city’s proximity to the Arkansas River and Pinnacle Mountain State Park. Meanwhile, job opportunities healthcare, education and government make Little Rock an appealing destination for folks from all walks of life.

    • Population: 71,112
    • Average age: 33
    • Median household income: $65,511
    • Average commute time: 16.4 minutes
    • Walk score: 20
    • Studio average rent: $1,251
    • One-bedroom average rent: $1,388
    • Two-bedroom average rent: $1,837

    Easily among the best places to live in Arkansas, Rogers offers a distinctive blend of old and new. Once a sleepy town, Rogers has evolved into a thriving community that has maintained its charm while embracing growth and development. Historic Downtown Rogers takes you on a journey back in time with its well-preserved architecture, antique shops and charming cafes, while the modern Pinnacle Hills area delivers a more contemporary shopping and dining experience. For fans of live performances, the Walmart AMP hosts a ton of concerts and events throughout the year.

    Rogers is home to one of the largest public school districts in the state, providing a range of education options for families. If you’re into outdoor activities, Beaver Lake offers a scenic getaway for boating, fishing and camping. The city is also favorable for business, as it serves as the headquarters for multiple corporations, providing a ton of job opportunities in various industries. Low crime rates, affordable housing and a healthy offering of convenient community amenities make Rogers an appealing choice for anyone contemplating a move to Arkansas.

    • Population: 38,114
    • Average age: 43.6
    • Median household income: $42,718
    • Average commute time: 21.3 minutes
    • Walk score: 31
    • Studio average rent: $450
    • One-bedroom average rent: $600
    • Two-bedroom average rent: $575

    Undoubtedly a contender for the title of one of the most enviable places to live in Arkansas, Hot Springs lives up to its name with its famous thermal baths, offering residents and visitors alike a unique place to relax and unwind. But the allure of Hot Springs goes well beyond its therapeutic waters. The city is steeped in history, from the Bathhouse Row with its neoclassical architecture to the Gangster Museum that delves into the city’s colorful past. Even sports enthusiasts have something to cheer for here; the Oaklawn Racing Casino Resort is a significant hotspot for horse racing aficionados.

    Hot Springs is home to a range of public and private schools. With the Ouachita Mountains providing a breathtaking backdrop, outdoorsy people can easily enjoy activities like hiking, boating and fishing. Health services are accessible and reliable, bolstered by a number of hospitals and clinics. Job opportunities in healthcare, tourism and retail offer a varied employment landscape, making Hot Springs not just a great place to visit for its healing waters but a well-rounded Arkansas community to call home.

    • Population: 65,121
    • Average age: 29.5
    • Median household income: $48,104
    • Average commute time: 21.1 minutes
    • Walk score: 25
    • One-bedroom average rent: $775
    • Two-bedroom average rent: $950

    Conway has been gaining attention as one of the best places to live in Arkansas, especially for those who are looking for an educational and cultural hub. Often referred to as the “City of Colleges,” Conway is home to three higher education institutions: the University of Central Arkansas, Hendrix College and Central Baptist College. This influx of students enriches the city’s cultural fabric, bringing a youthful energy and academic flair that sets the city apart. Conway has a burgeoning tech industry too, earning it the nickname Silicon Prairie, as it becomes an increasingly attractive place for startups and tech companies.

    Conway is known for its excellent public school system, giving parents plenty of educational choices for their children. Nature lovers will enjoy the proximity to natural wonders like Lake Conway and Cadron Settlement Park. Retail is abundant, with shops ranging from big-box stores to locally owned boutiques. Given its low cost of living and job opportunities in education, technology and healthcare, Conway stands out as a compelling option for anyone considering making Arkansas their home.

    • Population: 79,324
    • Average age: 34
    • Median household income: $48,901
    • Average commute time: 17.9 minutes
    • Walk score: 23
    • Studio average rent: $1,150
    • One-bedroom average rent: $930
    • Two-bedroom average rent: $815

    Positioned as a rising star among the best places to live in Arkansas, Jonesboro combines the amenities of a larger city with the friendliness of a smaller town. As the home of Arkansas State University, Jonesboro has a youthful energy that influences everything from its lively arts scene to its sports culture.

    While the university acts as a beacon for educational culture, it’s also a significant employer in the area. Additionally, the city’s Downtown is an ever-evolving space featuring a variety of restaurants, shops and entertainment venues, all contributing to a strong community.

    In Jonesboro, families will find a diverse range of public and private school options, while healthcare services are robust, anchored by the NEA Baptist Medical Campus. Outdoor aficionados will appreciate Craighead Forest Park, which offers miles of trails, a lake and multiple playgrounds for both two-legged and four-legged family members. Employment opportunities span education, healthcare and manufacturing and the city’s relatively low cost of living makes it an attractive destination for professionals and families alike.

    • Population: 87,609
    • Average age: 31.8
    • Median household income: $56,144
    • Average commute time: 19.4 minutes
    • Walk score: 27
    • Studio average rent: $1,075
    • One-bedroom average rent: $1,259
    • Two-bedroom average rent: $1,259

    Springdale is a city that surprises with its mix of industrial prowess and natural beauty. Known primarily as the headquarters for Tyson Foods, the city is a powerhouse in the poultry industry, offering a range of job opportunities. But there’s more to Springdale than chickens and commerce. Arvest Ballpark serves as the home of the Northwest Arkansas Naturals, bringing Minor League baseball excitement to the community.

    Springdale boasts a wide range of academic options thanks to its expansive public school system and private schools. Public services are robust, including a network of libraries and parks. Har-Ber Lake and Lake Elmdale provide local options for some of the best fishing in the state. Healthcare facilities are highly rated and the city’s diverse retail and dining options mean residents don’t have to venture far for shopping or a good meal.

    • Population: 23,098
    • Average age: 28.8
    • Median household income: $41,753
    • Average commute time: 23.4 minutes
    • Walk score: 36
    • Studio average rent: $600
    • One-bedroom average rent: $800
    • Two-bedroom average rent: $750

    As the home to Harding University, Searcy boasts an atmosphere of intellectual curiosity and cultural enrichment. The university brings a ton of events and activities to the town, ranging from music concerts to academic lectures. The historic downtown area features a variety of boutique shops and local restaurants, making it a charming spot for an afternoon stroll or a dinner for two.

    In Searcy, outdoor activities are easily accessible, with the Little Red River providing opportunities for fishing and water sports. Health services are robust, with the White County Medical Center serving as a reliable healthcare provider for the community. Add to this a diverse job market that includes sectors like healthcare, education and retail, and it becomes evident why Searcy is a prime destination for anyone contemplating life in Arkansas.

    • Population: 89,576
    • Average age: 36.7
    • Median household income: $48,033
    • Average commute time: 16.6 minutes
    • Walk score: 35
    • Studio average rent: $595
    • One-bedroom average rent: $630
    • Two-bedroom average rent: $775

    Fort Smith holds a unique position as one of the most desirable places to live in Arkansas, serving as a gateway to both the South and the Midwest. The city’s rich history is evident everywhere, from the 19th-century military post at Fort Smith National Historic Site to the time-worn tracks of the trolley at the Fort Smith Trolley Museum. Alongside this homage to the past, Fort Smith is also very much with the times, with the Unexpected Art Project turning downtown buildings into large-scale canvases for international artists.

    In Fort Smith, education is a strong suit, with the University of Arkansas at Fort Smith providing a hub for higher education, and a range of public and private K-12 schools offering quality options for families. Employment opportunities are a mixed bag, spanning the healthcare, manufacturing and retail industries. The city is also blessed with natural beauty, with the Arkansas River and the Ozark Mountains providing ample opportunities for outdoor activities.

    Your Arkansas apartment awaits

    Choosing the right spot to call home can be a challenging endeavor, but hopefully, this guide to the best places to live in Arkansas has given you a head start on your search. Each city or town offers its own unique advantages, from educational opportunities and career prospects to outdoor activities and cultural enrichment.

    Whether you’re a tech-savvy professional, a family looking for excellent schools or an outdoor enthusiast eager for your next adventure, Arkansas has a place that can cater to your lifestyle and aspirations. Consider what aspects are most important to you, and you’re sure to find a community in the Natural State that feels like home.

    Source: rent.com

    Apache is functioning normally

    Living in Naples, Florida, is a luxury paradise where you’ll discover a lifestyle suitable for a range of personalities. From nature lovers to fashionistas, this city perched along the Gulf of Mexico beckons visitors and transplants from around the world.

    Whether you already call Naples home, or you’re looking to find an apartment for rent or homes for sale in Naples, FL, Naples has something for you. Dive into our Redfin’s curated list of 8 free things to do in Naples, FL, and discover the charm and beauty of this coastal haven, all while keeping your wallet happy.

    1. Naples Pier

    Naples Pier is an iconic landmark that offers a serene setting for a leisurely stroll with a picturesque sunset view. This historic structure is ideal for fishing, dolphin watching, or simply soaking in the coastal ambiance.

    2. The Naples Preserve

    Nature enthusiasts will appreciate the Naples Preserve, a hidden gem in the city’s heart. This 9.5-acre preserve boasts a network of elevated boardwalks and nature trails, offering a peaceful retreat for birdwatching and exploring Southwest Florida’s unique ecosystem.

    3. Naples Depot Museum

    History buffs will enjoy the Naples Depot Museum, housed in a restored Seaboard Air Line Railway passenger station. The museum showcases the region’s history through engaging exhibits and artifacts, from the early Native American inhabitants to the modern era.

    4. Paradise Coast Blueway

    The Paradise Coast Blueway is a free attraction perfect for kayaking and paddleboarding enthusiasts. This water trail encompasses a labyrinth of waterways and mangrove tunnels, offering opportunities for exploration and wildlife observation. Bring your own gear or rent equipment locally to embark on a tranquil aquatic adventure.

    5. Big Cypress National Preserve

    Located just east of Naples, the Big Cypress National Preserve is a vast wilderness expanse renowned for its natural beauty. Visitors can hike, bird watch, and spot alligators in their natural habitat. The preserve’s visitor center provides valuable information to help plan your adventure into this pristine ecosystem.

    6. Third Street South

    Third Street South is a charming district known for its upscale shops, dining, and cultural events. While dining and shopping may not be free, strolling along its picturesque streets and enjoying the vibrant atmosphere won’t cost you a dime.

    7. Naples Regional Library

    If you seek a peaceful respite indoors, the Naples Regional Library offers a wide array of books, magazines, and digital resources for all ages. It’s an excellent spot to unwind, research, or even catch up on reading in air-conditioned comfort.

    8. Third Street South Farmers Market

    Third Street South hosts a bustling farmers market every Saturday morning featuring fresh produce, artisanal goods, and local crafts. While purchases are optional, exploring the market is a beautiful way to experience the local community and some delectable treats while you’re at it.

    Source: redfin.com

    Apache is functioning normally

    You want to become a homeowner but aren’t sure how you’re going to save up for your down payment. Typically, you’re going to need at least 3% to 5% for a down payment for a conventional mortgage, or 20% on a loan that doesn’t require private mortgage insurance.

    Fortunately, there are a number of methods you can use to stash away money for your future home. Here are some of the best ways to save for a house and get one step closer to your dream.

    1. Creating a Budget

    Living on a budget may not be easy, but in the long run it can help you save money to put toward a home purchase. Creating a budget to track where your money is going is a good first step in a house savings plan.

    Some effective ways to do this are recording expenses in a spreadsheet or using a budgeting app to determine your spending practices and identify where changes can be made to meet your savings goal.
    💡 Quick Tip: Want to save more, spend smarter? Let your bank manage the basics. It’s surprisingly easy, and secure, when you open an online bank account.

    2. Using Cash Envelopes

    The theory behind this method is that it may be harder to part with cash than it is to swipe a debit or credit card. The cash envelope budgeting method involves distributing cash each month (or pay period) into envelopes based on categories you establish. When you’re out of cash for each category, you stop spending.

    3. Deleting Your Stored Cards

    Do you store your payment information on Amazon or other e-commerce stores? If so, it’s time to consider deleting them from each store or from your browser settings. If you have to manually input your card each time you want to make a purchase, you may just stop spending so much money online.

    4. Downsizing Your Life

    Another one of the tips for saving for a house involves downsizing your life. This could mean moving to a smaller rental or to a more affordable area of town. Just keep in mind that there is always a flip side to downsizing. For instance, your smaller apartment may not include parking, so you might be taking on an expense you didn’t have before. Moving to a different part of town might mean spending more on transportation costs getting to work each day. It’s a good idea to weigh the pros and cons before making any big decisions.

    5. Setting Up Automatic Transfers

    Reaching your savings goals might happen faster by setting up automatic transfers from checking account to savings account each time you’re paid. If your paycheck is direct-deposited, you may also be able to split the deposit into more than one account, on a percentage or dollar-amount basis.

    6. Postponing Vacation

    This method can reap plenty of savings if your usual vacation is a costly one. Instead of taking a big trip, a staycation may be entertaining and less expensive. Check out your local newspaper’s website to find free activities and events in your area. Art museums sometimes offer free admission days, and area nature trails are generally free and can be a good way to have fun and get exercise in one fell swoop. Now is the time to be creative since you’re working on your house savings plan.

    7. Tackling Your Debt

    If you get 4.50% APY in your high-yield savings account, but you carry a credit card balance with an interest rate of 23.99%, it may make more sense to put your money towards your debt right now rather than savings.

    8. Eating at Home

    Dining out is expensive. The average American household spends more than $3,000 per year on eating out. By skipping the takeout and restaurants and cooking your meals at home, you can add that money to your house savings plan.

    9. Making Your Own Coffee

    It’s a cliche, but it’s true: If you skip the lattes, you could boost your savings. The average American spends $92 per month on coffee, which adds up to about $1,100 per year. Purchasing a coffee maker and brewing your own cup of joe as opposed to hitting up a coffee shop every day will likely improve your home savings plan.

    10. Using Coupons at the Grocery Store

    Looking for coupons for items you normally buy anyway can trim your grocery bill. Coupons can be found on coupon websites and on brands’ websites.

    Recommended: Tips for Grocery Shopping on a Budget

    11. Buying Things on Sale

    Just because you want something doesn’t mean you need to have it right away. Waiting to buy things when they go on sale is another one of the best tips for saving for a house. Along with looking at stores’ advertised sales, you could always create a Google alert to find out when things go on sale by typing in your favorite stores’ names + sales on Google Alerts.
    💡 Quick Tip: If you’re saving for a short-term goal — whether it’s a vacation, a wedding, or the down payment on a house — consider opening a high-yield savings account. The higher APY that you’ll earn will help your money grow faster, but the funds stay liquid, so they are easy to access when you reach your goal.

    12. Using Promo Codes

    Promo codes are like coupons for online purchases. Browser extensions that search the web for deals can bring those promo codes to you and save you precious search time and effort.

    13. Cutting Out Cable

    Cable television can be a major monthly expense for some households, sometimes hundreds of dollars every month. One of the best ways to save is to cut the cord, switch to streaming services, and potentially pay much less per month on your favorite entertainment by saving on streaming services.

    14. Canceling Your Subscriptions

    You may be spending money on monthly subscriptions without realizing how much. Canceling subscriptions to things like lifestyle boxes you aren’t using anymore or magazines you don’t read can add up to significant savings.

    15. Making the Most of the Library

    The local library is a fantastic resource. You can borrow books, magazines, and movies instead of buying them, and some libraries even offer access to free audiobooks. Libraries are funded by taxes, so you’re probably already contributing to this resource—there’s little reason to pay twice for items it provides as a public service.

    16. Canceling Your Gym Membership

    Gym memberships can be pricey, but exercise is not. Using free, online workout videos and things in your home as exercise equipment (e.g., stepping on your stairs, doing wall or table pushups, or using a chair for barre exercises), or walking around your neighborhood can save money over a gym membership.

    17. Shopping Around for Insurance

    You may be overpaying for insurance. Comparing rates and getting different quotes for your car, renter’s, pet, health, and other types of insurance can ensure you’re getting the best deal possible.

    18. Steering Clear of Checking Account Fees

    Is your bank charging you a monthly maintenance fee just to keep your account open? If so, it might be worth looking into switching banks or asking your bank how you can avoid these fees. For example, if you have a direct deposit into the account or maintain a minimum daily account balance, you may be eligible for a fee-free account.

    19. Selling Your Stuff

    Do you have things you never use anymore? Could they fetch some cash? Holding a garage sale or selling your stuff online might net a few dollars to add to your house savings plan. You’ll probably want to buy new things for your new home anyway, and selling your old things will allow you to save up.

    20. Asking Your Boss for a Raise

    During your annual performance review, consider asking for a raise, highlighting your accomplishments and why you deserve more money. Be specific about improvements you’ve made to the company by backing up your accomplishments with data.

    21. Switching to a Better Job

    If you aren’t making enough money in your current position, then consider switching to a higher-paying job. It’s a good idea to keep your current job until you find a new one, though.

    22. Taking on a Side Hustle

    If you have the time and energy, earning extra money on nights and weekends with a side hustle might be an option. For instance, you could start a dropshipping business, take up freelancing, or do affiliate marketing.

    23. Signing Up for a Travel Rewards Credit Card

    If you need to travel or you are still planning a vacation, using a travel rewards credit card may be a good idea. These cards offer certain rewards for different categories such as travel, gas, and dining out, and allow you to put your rewards towards flights, hotels, rental cars, and more. Plus, many of them offer other ways to save, such as providing you with rental car and baggage delay insurance or no foreign transaction fees.

    Recommended: Credit Card Rewards 101: Getting the Most Out of Your Credit Card

    24. Getting a Cash Back Credit Card

    With a cash-back credit card, you can earn cash rewards every time you spend. Putting that cash back toward a statement credit or bank transfer will help accelerate your savings.

    25. Renting Your Spare Room

    If you have an extra room in your apartment that you aren’t using, you could get a roommate or list it on a rental site to reduce your overall living expenses. Just make sure that you get permission from your landlord before inviting anyone else to move in.

    26. Renting Out Your Storage Space

    Another one of the best ways to save for a house is to rent out your unused storage space on a peer-to-peer site. You could generate income without having to do much work at all, and you won’t have to live with someone else—just their stuff.

    27. Making Your House Savings Plan Known

    Your Aunt Mildred may always get you boxes of chocolates for your birthday, and your dad might give you gift cards for Amazon. But letting your family and friends know you’re trying to save for a home might plant the seed for them to give you cash instead. If you’re getting married, this is a time to tell people about your plans so that instead of registry gifts, they might give you cash for your future home.

    28. Opening a High-Yield Savings Account

    Putting your money into a regular savings account may not result in much of a return. However, putting money in a high yield savings account may net more interest and get you closer to reaching your savings goals. A high-yield savings account typically offers 20 to 25 times the national average of a typical savings account.

    29. Hiring an Accountant at Tax Time

    If you’ve been doing your taxes on your own every year, you may have missed potential tax savings you might be eligible for. A tax professional may be able to maximize your savings, possibly resulting in a larger refund, or minimize taxes you owe.

    30. Saving Your Tax Refund

    If you get a tax refund, consider saving it instead of spending it. The money can be a nice addition to your down payment, possibly even earning interest in high-yield savings account until you need it.

    31. Changing Your Tax Withholding

    Among the best ways to save for a house is by keeping more money from your paycheck. If your withholding is too high, the IRS is essentially holding your money for you all year round. Instead of getting a large tax refund, keeping your money now and investing it in an interest-bearing account will help you save up for your home.

    The Takeaway

    Saving for a house takes some time and effort, but there are many different ways to do it. For instance, by eating out less, you could potentially save thousands of dollars a year. Launching a side hustle could increase your income. And opening a high-yield savings account, which typically offers considerably higher interest rates than a traditional savings account, could also help your money grow — and help you achieve your dream of home ownership.

    Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

    Better banking is here with up to 4.50% APY on SoFi Checking and Savings.

    Photo credit: iStock/Talaj

    Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

    Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

    SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

    The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    4.50% APY
    SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

    SoFi members with Qualifying Deposits can earn 4.50% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

    SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

    SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

    Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

    Interest rates are variable and subject to change at any time. These rates are current as of 8/9/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet..

    SOBK0923005

    Source: sofi.com

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    QC/Fraud, LO AI, MSR Financing, GNMA Programs; Disaster Updates and Guides – The CFPB is There for Us

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    QC/Fraud, LO AI, MSR Financing, GNMA Programs; Disaster Updates and Guides – The CFPB is There for Us

    By:
    Rob Chrisman

    Tue, Sep 5 2023, 10:40 AM

    It was a rough weekend. My cat Myrtle, resting comfortably at the top of the food chain, was visibly miffed at me not nominating her (again) for the vaulted “40 under 40” award. I reminded her that she is way over that in cat years, but my explanation fell on her one deaf ear and her one good ear despite me telling her how much line-caught salmon we could buy with the nomination fee. (Hey, don’t get me wrong. I know some of those folks who were nominated or selected, and the industry is better off because of them!) If lenders would like a little good news, they should know that, despite the low interest rates we saw a few years ago, people are still moving, and that’s a source of business. Around 8.6 percent of Americans moved last year, slightly more than the previous year, but still below pre-pandemic levels. Accordingly, WalletHub released its report on 2023’s Best States to Live in. Chalk it up to complete East Coast bias, but Massachusetts, New Jersey, New Hampshire, and New York took the top four spots. Really? (Today’s podcast can be found here and this week’s is sponsored by LoanCare, a Fidelity National Financial (NYSE: FNF) division and award-winning developer of the most sophisticated mortgage servicing portfolio management tool, LoanCare Analytics, built to support MSR investors with a focus on customer engagement, liquidity, and credit risk. Hear an interview with Flagstar’s Jason Lee on how capital markets departments balance volume and margin.)

    Lender and Broker Products, Programs, and Services

    Mortgage servicers of all sizes trust their portfolios to MSP®, Black Knight’s loan servicing system. In fact, Fahe (Federation of Appalachian Housing Enterprises), a nonprofit that serves the people and communities of Appalachia, recently signed a contract for MSP. In Black Knight’s recent announcement, Fahe states that top-tier technology will help it realize its mission and better serve its communities. Wondering if the MSP loan servicing system is the right fit for your servicing business? Learn why it’s the one loan servicing system for every mortgage servicer.

    NEW: Maxwell’s Mini-Guide to Surviving Today’s Big Housing Market Reset, ft. advice from Maxwell Co-founder & CEO John Paasonen, Rob Chrisman himself, theLender EVP Chris Ledwidge, and more. Is your lending business prepared for a market reset? To thrive, lenders need a fresh game plan driven by home buyer trends, creative lead generation, and insightful data. Maxwell put this guide together to help you refresh your thinking for the market ahead. In it, you’ll learn ways to rebuild your pipeline, the borrower segments that are still rising in the housing market, and how to better leverage data to make confident business decisions. Lenders: The next five years likely won’t be anything like the last five. Now is the time to rethink your business. Click here to download your free copy of Maxwell’s Mini-Guide to Surviving Today’s Big Housing Market Reset.

    Profitable Mortgage Companies are focused on the long-term value of the customer relationship. Essex Mortgage’s partners enjoy greater customer retention, GNMA pass-thru pricing, no overlays, no LLPA’s, NO EPOs and NO EPDs, as well as Tax Deferred asset growth and a long-term cash flow stream without having to be a GNMA issuer themselves. Please contact us to discuss how the Essex GNMA Excess MSR program can help retain and enhance your customer relationship, broaden guidelines, and expand into new markets. Please contact Kimberly Schenck.

    “Your business can benefit from powerful national banking resources that incorporate personalized, one-on-one relationships with industry experts. Western Alliance Bank delivers stable, trusted treasury management and fraud protection services from cash management to financing to account security. These tools can help you keep operations running smoothly, conveniently manage custodial and payroll accounts, and originate streamlined online wire transfers. Our Specialized Mortgage Services team tailors mortgage finance products to your needs, including warehouse lending, MSR financing, note financing and corporate credit card services that offer speed to approval and certainty of execution. Discover how competitive rates, efficient cash flow cycles and a streamlined banking relationship can help you achieve your goals. Contact Mark Short (469) 702-6212, Nick Richards (646) 708-1211, Nicole Avey (720) 633-4759, Elizabeth Mix (480) 329-2122, Jim Karr (626) 390-8534 or Chris Martin (480) 341-5483. Western Alliance Bank, Member FDIC.”

    Ready to mend your relationship with your loan origination system? Join the TRUE team on September 20th and hear directly from TruStone and V.I.P Mortgage on how they’re applying AI technology to solve the challenges related to their LOS platforms. The roundtable discussion will unpack the frustrations related to most of today’s more popular LOS platforms, the crucial importance of well-organized borrower data, and how applying AI at specific points in the document journey can dramatically change the way LOS platforms perform. Sign up today.

    Capacity is heading to The Mortgage Collaborative’s “Music in My Ears Conference” in Nashville, TN, next week! CEO David Karandish will speak on Monday, September 11th, at 3:15 p.m. about our latest offerings: generative AI-powered Guideline Search and tailored AI Assessments. Get game-changing, personalized insights on successfully implementing AI and automation in your business! Be sure to stop by our session in Nashville or book one-on-one time with our team here. The mortgage industry desperately needs a platform that securely integrates with lenders’ key systems, providing loan officers with instant, actionable answers about borrower opportunities, loan statuses, guidelines, and more. Capacity reduces the time LOs spend logging into a sea of endless systems to find information. If this sounds familiar, why not find out how Capacity can save your team time and frustration? See how it works.

    “TENA Companies, Inc. is your strategic mortgage Quality Control partner in the fight against fraud. Develop your strategy against evolving mortgage market fraud with help from our proficient and highly trained auditors. Fraud involving income and employment schemes, as well as occupancy-related deception, continue to impact risk levels for all lenders. As highlighted in Fannie Mae’s July 2023 Quality Insider: Reviewing your fraud controls in QC, a robust Quality Control plan is an integral component for identifying patterns that can be indicative of fraud. These insights enable lenders to proactively implement processes for fraud prevention. Safeguard your operations, ensure risk mitigation, and strengthen your Quality Control by partnering with TENA. Contact us today!”

    Disaster News and Updates

    Last year, U.S. disaster damage totaled $171.5B. Destructive weather and climate events, or bad forestation or building practices, factor into the mix of hurricanes, wildfires, tornados, and drought. Few are forecasting them to decrease or affect a smaller geographic range. Is your lending operation ready? What are you telling your borrowers about insurance? Major insurers say they will cut out damage caused by hurricanes, wind, and hail, not to mention along coastlines and in wildfire prone areas, suggesting that companies will just insure for liability and fire. So if that is the case, will insurance rates fall? Of course not. But where does all of this leave the mortgage servicers?

    When disasters strike, lenders often postpone loan closings, impacting origination revenue and impairing the ability to fund new loans. Loans that have already been funded may be difficult to sell, further limiting liquidity. Black Knight has a piece worth skimming, or more, about how you can reduce your financial exposure, decrease costs, and better serve borrowers by preparing before, during and after a disaster. Download a complimentary ebook: Climate-Change and Weather-Related Disasters: How to Manage Mortgage Risk.

    Nearly every part of the United States faces natural disasters, whether they be earthquakes, hurricanes, tornadoes, forest fires, drought, or volcanoes. A declaration by FEMA triggers lender and servicer policies and procedures.

    Mortgage Quality Management & Research (MQMR) sent out Fannie Mae Disaster Relief – FAQ. Check out more equally insightful FAQs. (To learn more about Mortgage Quality Management & Research, download MQMR’s white paper.)

    Recently we’ve had Florida Hurricane Idalia FEMA-4734-DR, Illinois Severe Storms and Flooding DR-4728-IL, Mississippi DR-4727, and Vermont DR-4720: Update to End Date of Occurrence.

    Florida, Georgia, and the Carolinas were hit by Hurricane Idalia, causing damage from storm surge, flooding, and high winds. Recovering from a catastrophic event like this one can feel overwhelming. It’s not always easy to know where to turn for help and what steps to take. The CFPB put together a guide to handling finances that you can share with the people you serve, to help them manage the money decisions they face. View CFPB’s disasters and emergencies guide providing resources to help recovery, including how to tackle housing issues, protect finances, deal with property damage, manage bills, and ask financial companies for help.

    Freddie Mac issued a reminder to homeowners and mortgage servicers of its relief options for those affected by Hurricane Idalia. Freddie Mac’s forbearance program provides homeowners mortgage relief for up to 12 months without incurring late fees or penalties. Freddie Mac’s disaster relief options are available to homeowners who have been impacted by an eligible disaster. This includes anytime the homeowner’s property experiences an insurable loss, and also covers instances where their homes or places of employment are located in Presidentially Declared Major Disaster Areas where federal Individual-Assistance programs are made available to affected individuals and households. Foreclosure and other legal proceedings are also suspended while homeowners are on a forbearance plan. More information is available on My Home by Freddie Mac where owners can read about the steps they can take to help recover from a natural disaster, including frequently asked questions related to disaster and mortgage relief.

    Fannie Mae reminded homeowners and renters impacted by natural disasters, including Hurricane Idalia, of available mortgage assistance and disaster relief options. Mortgage servicers are also reminded of options to assist homeowners under Fannie Mae’s guidelines.

    Under Fannie Mae’s guidelines for single-family mortgages impacted by a natural disaster:

    Homeowners and renters looking for disaster recovery resources may visit FannieMae.com to learn more about addressing immediate needs. Fannie Mae also offers help navigating the broader financial effects of a disaster to homeowners and renters through disaster recovery counseling at 855-HERE2HELP (855-437-3243).

    PHH Correspondent posted information regarding Illinois DR-4728: New Disaster Declared, Mississippi DR-4727, and Vermont DR-4720. Go to the PHH company library to view the announcement and for all disaster declared counties, requirements, procedures, and conditions.

    On 9/1/2023, with Amendment No. 1 to DR-4734, FEMA declared federal disaster aid with individual assistance has been made available to 6 additional Florida counties affected by Hurricane Idalia from 8/27/2023 and continuing. See the attached announcement for inspection requirements. AmeriHome Mortgage 20230901-CL Disaster Announcement.

    Capital Markets

    It’s looking more and more like a goldilocks scenario for the Federal Reserve. Last week was crammed with key economic data on the labor market and inflation which will probably be instrumental in shaping the decision of the Fed’s monetary policy committee at its meeting later this month. Many of the indicators pointed towards cooling in the economy, strengthening hopes that it would be enough for the central bank to keep rates steady. Friday’s nonfarm payrolls report showed an uptick in the unemployment rate. Market participants took heart from the data, which suggests that the highly resilient labor market is finally cracking and that the effects of the Fed’s aggressive tightening campaign are showing up.

    More specifically, we learned at the close of last week that U.S. unemployment rose to 3.8 percent in August, a significant increase from July’s rate of 3.5 percent and the highest percentage since February 2022, as the economy continued to lose momentum built up after pandemic lockdowns. Non-Farm Payrolls barely beat consensus (expected +170k, actual +187k) and previous prints were revised lower (June was cut from +209k to +105k). More people entered the workforce, increasing the size of the labor force by 736k, which will help bring supply and demand more into balance.

    Keep in mind that increased hiring and slowing wage growth are key ingredients of the Fed’s fight against pandemic-era inflation, and the overall report was good news for the bond market, as it shows the Fed’s tightening is gaining traction in the labor market. In theory, this will take some of the pressure off the Fed to keep hiking rates and give the central bank some confidence to let previously enacted hikes work their way through the economy. The next Fed meeting is only two weeks away.

    Though we’ve already received the latest rate decision from Royal Bank of Australia this morning, where rates were held steady at 4.10 percent, today is light on economic data. After this commentary goes out, markets will receive August employment trends and July factory orders. Highlights from the remainder of the week include September’s Fed Beige Book tomorrow and July Wholesale Inventories on Friday. We begin the trading week with Agency MBS prices worse .125-.250 and the 10-year yielding 4.22 after closing last week at 4.17 percent on no real news.

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

    Source: mortgagenewsdaily.com

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    Birmingham, Alabama, is a city teeming with a rich history, lively communities, and engaging activities to suit all interests. The best part? You don’t need to break the bank to enjoy what this city has to offer. From strolling through art museums and learning about the city’s past to enjoying the serenity of lush parks and exploring small towns, there are many free things to do in Birmingham, AL.

    Whether you’ve recently relocated to Birmingham, are interested in exploring Birmingham homes and apartments, or are a long-time local looking for new things to do – continue reading to see what the city has for you.

    1. Railroad Park

    As you enter Railroad Park, the lush greenery, walking paths, and serene ponds immediately invite relaxation and exploration. The park’s well-designed spaces cater to various activities – outdoor gym equipment, trails, and a designated skate area. If you’re searching for a park in the city, these 19 acres of green space will give you just what you need.

    2. Red Mountain Park

    Emily from Watauga Group, a media agency for outdoor recreation and attraction brands, shares, “Red Mountain Park is an absolute must for your itinerary. Covering a vast 1,500 acres, this park offers 16 miles of multi-use trails catering to all adventure enthusiast levels. For those seeking a furry companion adventure, there’s even a dedicated dog park to explore. Throughout the trails, you’ll be treated to stunning views of Magic City, and the charm doesn’t end there – discover three whimsical tree houses tucked away in the park’s expanse.”

    3. Birmingham Museum of Art

    The museum’s expansive galleries house an impressive collection that spans various artistic epochs, offering visitors a chance to immerse themselves in a world of creative expression and cultural significance. General admission to the Birmingham Museum of Art is free daily to enjoy diverse artwork. From ancient artifacts to contemporary masterpieces, this cultural gem does not provide an opportunity to appreciate the artistic achievements of humanity.

    4. Sloss Furnaces National Historic Landmark

    Stephen, a local from The Yoga Circle in Birmingham, encourages a visit to Sloss Furnaces. “Sloss Furnaces is a historical landmark that was the country’s largest producer of pig iron and is responsible for most of Birmingham’s growth,” says Stephen. “It was built in 1881. It’s ripe with legend and lore from so many lives lost in the dangerous working conditions, with many stories of paranormal activity and hauntings. It is free to walk around and explore during business hours, and utterly fascinating to observe the imposing machinery that made these furnaces burn.”

    5. The market at Pepper Place

    Venturing into the Market at Pepper Place in Birmingham, AL is a great way to step into local flavors, arts, and community spirit. The market comes alive with farmers, artisans, and food vendors gathering to showcase their finest offerings. As you weave through the bustling stalls, you’ll find an array of fresh produce, artisanal crafts, and delectable treats that reflect the region’s culinary and creative prowess. The lively atmosphere is enhanced by live music, making this a great free thing to do.

    6. Oak Mountain State Park

    If you want to surround yourself with nature, you’ll want to head to Oak Mountain State Park. You’ll find vast wooded landscapes, serene lakes, and diverse trails here. Whether you’re seeking a stroll, a challenging hike, or a lakeside picnic, the park accommodates every outdoor aspiration. You’ll want to take advantage of some breathtaking overlooks, tranquil fishing spots, and opportunities for birdwatching and wildlife spotting await at every turn. As one of Alabama’s largest state parks, Oak Mountain is a testament to the region’s natural beauty.

    7. Avondale murals

    Exploring the vibrant murals in the Avondale neighborhood of Birmingham, AL is like embarking on an urban art treasure hunt. As you stroll through its streets, the neighborhood transforms into an open-air gallery. Each mural tells a unique story, reflecting the community’s spirit, history, and values. Best of all, this artful adventure comes at no cost, allowing anyone with an appreciation for creativity to experience the essence of Avondale’s cultural allure in a budget-friendly manner.

    8. Birmingham Public Library

    The library’s shelves house a vast collection of books, resources, and multimedia materials that cater to diverse interests and passions. From historic volumes to contemporary bestsellers, the library is a haven for bibliophiles and learners alike. Beyond its literary treasures, the library often hosts informative events, workshops, and discussions that enrich the community’s understanding and engagement.

    9. Visit the small towns surrounding Birmingham

    “If you are coming to Birmingham, AL, don’t miss visiting the suburbs and small towns surrounding Birmingham,” shares locals Ann and Stephen from Heaven’s Best Carpet Cleaning. “Our favorite small town is Chelsea, AL. We love Chelsea because it has a small, home feel similar to Mayberry of the Andy Griffith show. We are growing and now have a new splash pad at Melrose Park.”

    10. Ruffner Mountain

    A visit to Ruffner Mountain is a great free thing to do in Birmingham, AL. The moment you set foot on its trails, you’re embraced by the soothing sounds of nature and the refreshing scent of pine. For hikers, the Overlook trail has panoramic views of the city skyline, while the Quarry Trail leads to the remnants of an industrial past. The variety of trails caters to both walkers and avid hikers, making Ruffner Mountain an excellent option for all.

    Source: redfin.com

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