san diego

Mortgage rates dropped to 6.63% this week, according to Freddie Mac’s Primary Mortgage Market Survey. Rates for 30-years fixed-rate mortgages were 6.69% last week, dropping by 0.06 percentage points.

Rates for 15-year mortgages also dropped slightly from 5.96% last week to 5.94% this week. Both 15-year mortgages and 30-year mortgage rates are still higher than they were last year.

A year ago, 30-year mortgages sat at 6.09%, on average, while 15-year mortgages averaged 5.14%, Freddie Mac reported.

“Mortgage rates have been stable for nearly two months, but with continued deceleration in inflation we expect rates to decline further,” Freddie Mac Chief Economist Sam Khater explained.

“The economy continues to outperform due to solid job and income growth, while household formation is increasing at rates above pre-pandemic levels. These favorable factors should provide strong fundamental support to the market in the months ahead.”

As mortgage rates drop, you may decide it’s the right time to finally buy a home. To find the right mortgage for your needs, Credible can show you multiple mortgage lenders all in one place and provide you with personalized rates within minutes.

HOMEOWNERS INSURANCE RATES ON THE RISE, MAINLY DUE TO INCREASE IN NATURAL DISASTERS

Home prices are lowering in some major cities

After remaining for high most of the year, home prices are dropping slightly in some metro areas. 

Data from a recent S&P report showed prices in 12 out of 20 metro areas decreasing. This decrease in prices has led some households to move across state lines in search of more affordable areas.

Charlotte, Providence and Indianapolis saw the largest increase in buyers as they fled high-cost cities, stated a Zillow report.

Households that made these moves found homes were $7,500 less, on average, than where they left.

Cities that saw the highest outflow in households included Chicago, San Diego and Cincinnati. These metro areas often have higher housing costs and less robust economies, Zillow found.

If you think you’re ready to shop around for a home loan, consider using Credible to help you easily compare interest rates from multiple lenders, all without affecting your credit score.

HOMEOWNERS MOVING ACROSS STATE LINES, SEEKING AFFORDABILITY, FIND IT IN CERTAIN CITIES

It’ll be years before homes are affordable for the average buyer

The housing market is trudging toward recovery, largely thanks to mortgage interest rates dropping in recent months.

“The surge in pending home sales and new home sales, both determined by contract signings in the early stages of the buying process, indicates increased participation from buyers in the market,” explained Realtor.com Economist Jiayi Xu in response to Freddie Mac’s recent mortgage rates update. “Simultaneously, the recent rise in listing activity suggests that sellers are closely monitoring mortgage rates and adjusting their selling strategies accordingly.”

Potential homebuyers won’t see a full recovery anytime soon, however. JP Morgan experts predict that the real estate market will become affordable again about three and a half years from now. This is largely dependent on continued interest rate decreases.

“Despite the promising increase in listing activity, inventory is likely to remain low as sellers may not respond as swiftly as anticipated. In other words, a more substantial improvement in mortgage rates is necessary to attract more sellers to the market,” Xu said.

Until rates drop more substantially, mortgage payments are likely to stay high. In November 2023, the average monthly mortgage payment was $2,198, up from $1,993 a year earlier, a National Association of Realtors report found.

If buying a home is your near future, make sure you’re getting the best mortgage lender and rates with the help of Credible. Credible helps you compare rates and lenders and get a mortgage pre-approval letter in minutes.

JUST OVER 15% OF HOME LISTINGS WERE CONSIDERED AFFORDABLE IN 2023: REDFIN

Have a finance-related question, but don’t know who to ask? Email The Credible Money Expert at [email protected] and your question might be answered by Credible in our Money Expert column.

Source: foxbusiness.com

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With so much to offer, the cheapest places to live in Arizona consist of picturesque and popular cities, so no matter your budget, you’ll find the perfect home.

Arizona’s average rent prices

From the upscale city of Scottsdale to the college town of Tempe, rents throughout the state sit on the more affordable side. For example, a one-bedroom apartment will cost you $1,322 on average per month.

While that number is up by almost 8 percent over last year, it’s still close to the median rent for the entire U.S.

The cheapest cities in Arizona for renters

You don’t have to live in Phoenix to experience what makes Arizona such a great place to live. Although this big, capital city has a lot going on, you do have alternatives that keep you close by, but at a more affordable price. Opting for a smaller city can improve your cost of living without sacrificing access to activities and fun.

Give your monthly budget a break. Consider one of the cheapest places to live in Arizona as your new home.

10. Queen Creek

  • One-bedroom average rent price: $1,189
  • Average rent price change: -8.18%

With an easy commute to Phoenix, Queen Creek gives you the benefits of small-town living without being far from an urban center. This laid-back community offers horseback riding, more than one mountain range to explore and four 18-hole golf courses. Queen Creek’s proximity to the airport also makes it an affordable place to live even if you spend a large amount of time traveling.

This family-friendly, innovative city continues to grow without losing its reputation as one of the best-kept secrets in Arizona.

9. Litchfield Park

  • One-bedroom average rent price: $1,152
  • Average rent price change: -13%

Dotted with palm and orange trees, the unique appearance of Litchfield Park only cements its reputation as another local gem within Arizona. Full of beautiful homes, sidewalk cafes and casual and comfortable public spaces, you can find a cozy feel at the right price.

When it’s time for a little luxury, you won’t have to go far. The Wigwam, located in Litchfield Park, has served as an elegant retreat for more than a century. With more than 400 acres of amenities, restaurants, golf courses and more, it’s a definite bonus to have somewhere to pamper yourself within such an affordable area to live.

8. Avondale

  • One-bedroom average rent price: $1,118
  • Average rent price change: 7.22%

Known as one of the primary suburbs of Phoenix, Avondale is a quickly growing city with plenty of open space, recreational amenities and employment opportunities. Located where the Sierra Estrella Mountains and Agua Fria and Gila rivers meet, Avondale continues to develop. A new city center is currently underway to bring even more to this affordable town.

7. Glendale

  • One-bedroom average rent price: $1,097
  • Average rent price change: 0.98%

With a downtown labeled as one of the best shopping districts in the country, Glendale has a diverse history that residents treasure. One of the four largest cities in Arizona, it offers something for everyone from annual music festivals to a water park to the University of Phoenix Stadium, which hosted the 2015 Super Bowl.

Giving off a modern vibe and providing a lot of entertainment options, it’s no wonder Glendale is one of Phoenix’s most popular suburbs to call home.

6. Goodyear

  • One-bedroom average rent price: $1,078
  • Average rent price change: 45.33%

More than 20,000 acres of recreational parks, 47 miles of trails and more than 100 miles of paved bike routes all make Goodyear a perfect city for those who prefer an active lifestyle. It’s also home to the Goodyear Ballpark where you can catch the Cincinnati Reds and Cleveland Indians during spring training.

Named for the well-known tire company, Goodyear offers a safe, small-town feel, with affordable housing, only 20 minutes from Phoenix.

5. Mesa

  • One-bedroom average rent price: $1,052
  • Average rent price change: 0.29%

For a dose of natural history, Mesa is an ideal place to live. Home to the Mesa Grande Cultural Park, you can see a centuries-old ceremonial mound and learn more about the native Hohokam people. You’ll also find the Arizona Museum of Natural History and the i.d.e.a Museum here.

This nicely-priced town sits alongside the Tonto National Forest, the fifth-largest forest in the United States. Mesa keeps you active and outdoors as you enjoy living in some of the best weather in the country.

4. Casa Grande

Source: Rent. / Courtyard Apartments
  • One-bedroom average rent price: $914
  • Average rent price change: -6.17%

Situated halfway between Phoenix and Tucson, Casa Grande provides a relaxing atmosphere for those who want to live in Arizona without the bustle of a big city. Residents golf year-round when they’re not walking through the historic downtown area, hiking, biking or enjoying local community-wide events.

With historic charm and a lot of amenities, Casa Grande looks to create an ideal quality of life for residents at a price everyone can afford.

3. Tucson

  • One-bedroom average rent price: $835
  • Average rent price change: 5.50%

The biggest Arizona city on the list, Tucson encompasses a huge amount of space in the southern part of the state. Nestled in the Sonoran Desert, there’s a good chance you’ll see a giant saguaro cactus from your own apartment window.

With all the amenities of a large city — like resorts, golf and amazing shopping and restaurants — and the beauty of mountain ranges and desert landscapes, you get the best of both worlds in Tucson without having to break the bank.

2. Yuma

  • One-bedroom average rent price: $759
  • Average rent price change: -4.18%

Overlooking the Colorado River, Yuma is home to the Marine Corps Air Station and thousands of Marines and their families. It’s also a popular destination for snowbirds, residents who spend only the cold winter months living comfortably in the Arizona sun. They double the city’s population during the first few months of each year.

No matter the population size, Yuma strives to preserve its culture and heritage alongside its wide array of outdoor activities. The city is also close to Mexico and San Diego, offering opportunities for easy getaways you won’t find everywhere in the state.

1. Sierra Vista

  • One-bedroom average rent price: $663
  • Average rent price change: 17.87%

Living in Sierra Vista gives you a perfect balance between an active, engaged lifestyle and affordability. Mixing a smaller population with big-city amenities, Sierra Vista is also a popular spot for those interested in technology. This is, in part, thanks to the tech-forward missions at Fort Huachuca.

The city supports a healthy mix of young professionals and those looking for a slower pace of life. It has received distinctions as both a best place to retire and a best place to live, work and play. And, that’s all for less than what you’d pay in many other cities around the country.

The 10 most expensive places to call home in Arizona

Looking for a little upgrade in where you call home in Arizona? For some extra luxury in your rental, check out the most expensive places in the state to call home.

Methodology

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory of one-bedroom apartments. We pulled our data in December 2020, and it goes back for one year. Our team uses a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.

We excluded cities with insufficient inventory from this report.

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.

Lesly Gregory has over 15 years of marketing experience, ranging from community management to blogging to creating marketing collateral for a variety of industries. A graduate of Boston University, Lesly holds a B.S. in Journalism. She currently lives in Atlanta with her husband, two young children, three cats and assorted fish.

Source: rent.com

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When it comes to California, there’s no denying the diverse and vibrant energy that fills the state. From the bustling streets of Los Angeles to the laid-back vibes of San Diego, California offers something for everyone. With a population of nearly 40 million, the Golden State is a melting pot of cultures, cuisines, and lifestyles. Whether you’re drawn to the tech hubs or the iconic landmarks, California’s unique charm and endless opportunities make it an exciting place to call home. So, if you’re considering a move to California, this Redfin article will guide you through the biggest cities in the state.

1. Los Angeles, California

Population: 3,898,747
Median Sale Price: $959,000
Los Angeles, CA homes for sale
Los Angeles, CA houses for rent

Living in Los Angeles means enjoying a diverse cultural scene, beautiful beaches, and vibrant nightlife. The city is known for its entertainment industry, with Hollywood being a major attraction. With diverse neighborhoods, such as Beverly Hills and Santa Monica, unique charm and attractions are all around. 

2. San Diego, California

Population: 1,386,932
Median Sale Price: $875,000
San Diego, CA homes for sale
San Diego, CA houses for rent

San Diego is known for its beautiful weather, stunning beaches, and laid-back lifestyle. Residents can enjoy outdoor activities such as surfing, hiking, and sailing. For another vibe, visit Balboa Park, with its museums and gardens, is a cultural hub, and the Gaslamp Quarter offers a lively nightlife and dining scene.

3. San Jose, California

Population: 1,013,240
Median Sale Price: $1,300,000
San Jose, CA homes for sale
San Jose, CA houses for rent

Moving to San Jose in the heart of Silicon Valley promises an immersive experience within a thriving tech industry and a diverse community. The city offers a mix of urban and suburban living, with neighborhoods like Willow Glen and Santana Row offering unique shopping and dining experiences. 

4. San Francisco, California

Population: 873,965
Median Sale Price: $1,177,500
San Francisco, CA homes for sale
San Francisco, CA houses for rent

Living in San Francisco means enjoying a beautiful arts and culture scene and stunning bay views. The city has iconic landmarks, such as the Golden Gate Bridge and Alcatraz Island that attracts visitors annually. Explore the historic architecture, visit museums and art galleries, and enjoy the city’s renowned food scene.

5. Fresno, California

Population: 542,107
Median Sale Price: $360,000
Fresno, CA homes for sale
Fresno, CA houses for rent

Fresno offers a more affordable living cost than other California cities, with a strong sense of community and a growing arts scene. With nearby national parks, such as Yosemite and Sequoia, outdoor recreation opportunities awaits. 

6. Sacramento, California

Population: 524,943
Median Sale Price: $456,250
Sacramento, CA homes for sale
Sacramento, CA houses for rent

With a mix of urban and suburban living, Sacramento boasts a rich history and a growing food scene. The city has many tree-lined streets and historic architecture, with neighborhoods like Midtown and Land Park. You can also enjoy the nearby riverfront and explore the city’s many parks and outdoor spaces.

7. Long Beach, California

Population: 466,742
Median Sale Price: $795,000
Long Beach, CA homes for sale
Long Beach, CA houses for rent

From its iconic waterfront to its urban life, Long Beach includes a laid-back beach culture, eclectic neighborhoods, and a rich maritime heritage. The city has waterfront attractions, such as the Queen Mary and the Aquarium of the Pacific.

8. Oakland, California

Population: 440,646
Median Sale Price: $825,000
Oakland, CA homes for sale
Oakland, CA houses for rent

Oakland stands as a city with spirit amid the iconic San Francisco skyline. This city offers a mix of historic and modern architecture, with neighborhoods like Rockridge and Temescal offering unique shopping and dining experiences. Its proximity to the Bay Area allows residents to enjoy many urban amenities, including cultural events and trendy cafes.

9. Bakersfield, California

Population: 403,455
Median Sale Price: $385,000
Bakersfield, CA homes for sale
Bakersfield, CA houses for rent

Another affordable city in California is Bakersfield. Explore the nearby national parks, such as Sequoia and Kings Canyon, and enjoy the city’s diverse food scene. The city also hosts various events and festivals like Village Fest, which provides music, food, and drinks.

10. Anaheim, California

Population: 346,824
Median Sale Price: $869,000
Anaheim, CA homes for sale
Anaheim, CA houses for rent

Anaheim is home to Disneyland, offering fun any time of year. The city also also hosts various events and festivals, such as the Anaheim Packing District and the Anaheim GardenWalk which locals love. Enjoy nearby beaches and explore the city’s diverse culinary offerings, there’s a lot to discover in Anaheim.

Source: redfin.com

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Find a room with a view in one of these cities.

Every major city in the U.S. has a unique skyline. Whether they have the tallest buildings or the prettiest mountain backdrop, a skyline makes a city instantly recognizable from afar. Since the world’s first skyscraper in Chicago in 1885, architects have continued to race each other to touch the sky.

Here are 30 of the best skylines across the country, from the Big Apple to Motor City.

Which city has the best skyline in the U.S.?

From coast to coast, near the water or in the desert, each skyline has an element that makes them striking. And one of the best in the country.

30. Houston, TX

The oldest building in the Houston skyline is the El Paso Energy building, completed in 1963 at 33 stories. The tallest, the JPMorgan Chase Tower, is double that at 75 floors. The tower was supposed to be 80 stories, but a Federal Aviation Administration (FAA) analysis said anything over 75 stories was considered hazardous to air navigation.

Find an apartment for rent in Houston.

29. Denver, CO

Denver’s skyline can be enjoyed from several spots around the city, including Washington Park. Denver is exactly one mile high, with more than 200 visible peaks sneaking around the skyline for their moment in the limelight. The tallest building in this skyline is the 56-story Republic Plaza.

Find an apartment for rent in Denver.

28. St. Louis, MO

You can’t think about the St. Louis skyline without the Gateway Arch, the tallest manmade monument in the country. The 630-feet-tall stainless steel monument is genuinely iconic and marks the moment the Louisiana Purchase was signed. Next to it, the Mississippi River flows by and joins the Missouri River north of the city.

Find an apartment for rent in St. Louis.

27. Orlando, FL

Fun fact about the Orlando skyline: Lake Eola, in downtown Orlando, is a giant sinkhole. It’s around 80 feet at its deepest point. You can see the most iconic city landmark, the Linton E. Allen Memorial Fountain, right in the middle of it. In the background, at 441 feet, the Suntrust Center is the tallest building in Central Florida.

Find an apartment for rent in Orlando.

26. Atlanta, GA

One of the most popular tourist attractions in Atlanta is the view of the skyline at the Jackson Street Bridge. It’s both used in “The Walking Dead,” and it’s a prime spot to capture a beautiful Instagram shot for your feed. While the skyscrapers themselves aren’t quite famous, the view is still worth the snapshot.

Find an apartment for rent in Atlanta.

25. San Diego, CA

America’s Finest City’s skyline has changed drastically in just a decade but buildings are usually capped at 500 feet due to concerns over planes crossing over the downtown on the flight path to San Diego International Airport. Petco Park offers the best sunset view of the San Diego skyline, a treat while watching the Padres hit a few home runs.

Find an apartment for rent in San Diego.

24. Tampa, FL

The most identifiable buildings in the Tampa skyline are the University of Tampa’s stainless steel minarets, a stark contrast to the modern skyscrapers that surround it. Previously the luxurious Tampa Bay Hotel, the building was railroad tycoon Henry Plant’s legacy inspired by Moorish architecture.

Find an apartment for rent in Tampa.

23. San Francisco, CA

As the fog rolls in, past the Golden Gate Bridge, San Francisco’s skyline looks ethereal. The Bay Area skyline is a good mix of skyscrapers like the Salesforce Tower and the Transamerica Pyramid and smaller buildings, due to the earthquake risk in California.

Find an apartment for rent in San Francisco.

22. Nashville, TN

Well, Bob Dylan in 1969 named a whole album after the stunning Nashville skyline, and we can’t disagree. The southern city’s first skyscraper was only 12 stories tall back in 1905 — that number has now grown to 162 high-rises. The most identifiable of them all? The AT&T Building, nicknamed the Batman building, for its resemblance to the superhero’s mask.

Find an apartment for rent in Nashville.

21. Minneapolis, MN

Minnesota winters are infamous for being brutal, but Minneapolis has it figured it out. They stay mega cozy without going outdoors, thanks to the skyway system’s enclosed bridges that connect buildings throughout the city. It’s the most extensive pedestrian skywalk system in the world, connecting more than 20 of the tallest buildings in Minneapolis.

Find an apartment for rent in Minneapolis.

20. Knoxville, TN

The Sunsphere, the tower with the disco ball-like at the top, makes the Knoxville skyline easy to spot. The unique structure was built for the 1982 World’s Fair. After sitting abandoned for years, the 4th-floor observation deck reopened in 2022. It offers a 360-degree view of downtown Knoxville and the Great Smoky Mountains.

Find an apartment for rent in Knoxville.

19. Indianapolis, IN

Today, Indianapolis’ skyline is marked by Monument Circle, a monument to the valor of the common soldier. Any building surrounding it cannot be taller than eight stories so the sunlight can reach the fountain.

Another fun fact: Circle City was home to one of the most remarkable feats in engineering in 1930 — the move of the 11,000-ton Indiana Bell building. For a little over a month, the building was rotated 90 degrees. Some 30 years later, it was demolished.

Find an apartment for rent in Indianapolis.

18. Cincinnati, OH

Cincinnati is home to the world’s first reinforced concrete skyscraper, the 16-story Ingalls Building. Before 1903, no one had built a building taller than six floors. Today, it’s the Courtyard by Marriott Cincinnati Downtown. This is just one of many historic landmarks in the city’s skyline.

Find an apartment for rent in Cincinnati.

17. Milwaukee, WI

With Lake Michigan as a backdrop, Milwaukee’s skyline held the title for tallest skyscraper for a brief moment in time. In 1895, the Milwaukee City Hall was the tallest building in the city, taller than anything in New York or Chicago at the time. The beautiful walkways surrounding the atrium (and the building) still stand today.

Find an apartment for rent in Milwaukee.

16. Norfolk, VA

Lesser known than some of the skylines on the list, Norfolk’s has mostly mid-rise buildings, with the 26-story Dominion Tower taking the top spot for tallest in the skyline. What brings you is the reflection of the skyline on the Elizabeth River. The recently revitalized waterfront offers beautiful views of the city and a chance to see the restored shoreline.

Find an apartment for rent in Norfolk.

15. San Antonio, TX

The star of the San Antonio skyline is the Tower of the Americas, the 11th tallest skyscraper in the entire state. Right in downtown San Antonio, the 750-foot-tall observation tower offers some of the city’s best views. Initially built for the 1968 World’s Fair, the tower has a spot to grab a bite to eat at the top.

Find an apartment for rent in San Antonio.

14. Charlotte, NC

Here’s a fun fact: The majority of Charlotte’s current skyline was built in the 21st century starting in 2002 with the Hearst Tower. The city is a financial center in the Southeast with Bank of America, Wells Fargo and other institutions having a presence at each of the skyline’s buildings.

Find an apartment for rent in Charlotte.

13. Portland, OR

Downtown Portland’s skyline is composed of 31 high-rises, with the Wells Fargo Center taking the top spot for tallest building. Most of the city center is nestled in between the Columbia and Willamette rivers. Nearby, the historic Pittock Mansion offers incredible panoramic views of Portland and Mount Hood in the background.

Find an apartment for rent in Portland.

12. Phoenix, AZ

From the top of Camelback Mountain, about 30 minutes from downtown Phoenix, you can see the entire Phoenix metropolitan skyline. A striking view during sunset with the desert mountains in the background is not your usual skyline view.

Find an apartment for rent in Phoenix.

11. Pittsburgh, PA

Pittsburgh has over 400 bridges, and it’s hard to miss them in the city skyline. Like the Smithfield Street Bridge, the oldest steel bridge in the U.S., which crosses the Monongahela River. Pittsburgh’s skyline also features One Oxford Centre, a complex of six buildings with many sides to offer as many corner offices as possible.

Find an apartment for rent in Pittsburgh.

10. Memphis, TN

The downtown Memphis skyline overlooks the Mississippi river as it was purposely built on the banks by the city’s founders. These days, the Memphis Riverfront offers a beautiful river walk that connects two state parks, Meeman-Shelby Forest and T.O. Fuller.

Find an apartment for rent in Memphis.

9. Detroit, MI

Detroit has one of the most distinguishable skylines in the country. Motor City’s Sunset Point gives the most beautiful views of the skyline along the Detroit River. Or, if you want a bench to admire the skyline and the sunset, head over to Riverside Park with a small picnic. The Ambassador Bridge is the star of the show from this angle.

Find an apartment for rent in Detroit.

8. Dallas, TX

The Dallas skyline is recognizable, thanks to the 1980s hit series “Dallas” and has won best skyline multiple times, including USA TODAY. The Reunion Tower, a 561-foot observation deck, is one of the skyline landmarks in Dallas. The locals often call it “The Ball.”

Find an apartment for rent in Dallas.

7. Chicago, IL

Right by Lake Michigan, Chicago has built one of the most classic skylines, with height variation, no crowding or funky-looking buildings. It makes sense since the first skyscraper in the world was built in the Windy City. Get to know it during one of the city’s popular architecture-themed boat tours. But you’ll get the best full view of the skyline at the Adler Planetarium.

Find an apartment for rent in Chicago.

6. Miami, FL

Welcome to Miami! The Florida city has the country’s third tallest skyline with more than 300 skyscrapers. The Panorama Tower, located in downtown Miami, stands tall at 85 stories, making it the tallest in the state. Nine out of the top 10 of the tallest buildings in Florida can be found in Miami.

Find an apartment for rent in Miami.

5. Los Angeles, CA

Did you know that until 2014 Los Angeles buildings were required to have a flat top to allow for a helicopter landing? That’s why the skyline looks almost homogenous aside from a few new additions. On a clear day without smog, the Los Angeles skyline can be seen from several vantage points, but Griffith Observatory and Echo Park Lake are the best ones.

Find an apartment for rent in Los Angeles.

4. Honolulu, HI

Honolulu’s small, packed skyline isn’t just about buildings. A skyline shot from above shows the vibrant blue Pacific Ocean paired with lush Diamond Head. It just exudes paradise from every perspective. The First Hawaiian Center has remained the tallest building on the island since the mid-90s at 429 feet.

Find an apartment for rent in Honolulu.

3. Seattle, WA

The Space Needle and Mount Rainier, part of Seattle’s iconic skyline, take our No. 3 spot for best skyline in the U.S. The best place to see it all from above? Sunset Hill Park provides the best view of the skyline during a sunny day. The Columbia Center takes the prize for the tallest building in the city at 76 stories.

Find an apartment for rent in Seattle.

2. Las Vegas, NV

And the No. 2 spot goes to Sin City — the one and only Las Vegas. With all of its neon lights, the Las Vegas skyline is the brightest place on Earth and can be seen from outer space. The Luxor’s Sphinx, a replica of the Great Sphinx of Giza, stands out among the many iconic buildings on the skyline. Fun fact: It’s bigger than the original.

Find an apartment for rent in Las Vegas.

1. New York, NY

The New York City skyline takes the prize as the best skyline in the country. From above, the Big Apple shines with its landmark buildings like the Empire State Building, the Chrysler Tower and the One World Trade Center. It has inspired architectural dreams, and it has become the background for many stories and movies.

And while it had a tragic change at the beginning of the 21st century, it remains one of the best city skylines in the United States.

Find an apartment for rent in New York.

The best city skylines around the country

Whether buildings have a mountain as their background or a view of water, there are so many beautiful skylines to choose from across all 50 states.

These are just a small slice of the most beautiful city skylines around the U.S. With ongoing construction, each of these skylines will look a little different over time and one of them could be your next view from your apartment.

Source: rent.com

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Spending the day at SeaWorld can mean costly food and beverage expenses, especially for a big family. To ease this burden for guests, the Orlando and San Diego SeaWorld all-day dining upgrade is available.

What is Orlando and San Diego SeaWorld all-day dining?

SeaWorld’s all-day dining is an upgrade you can purchase separately from park admission. It lets you eat your way through the park as soon as you enter until closing.

Once you arrive or purchase an all-day dining pass, an attendant will put a scannable wristband on you. This wristband is your key to redeeming your meals at participating restaurants and cafes scattered throughout the park.

🤓Nerdy Tip

Each wristband-wearing guest can redeem one “meal” every 90 minutes. SeaWorld keeps a time log of when your wristband was last scanned to track eligibility for your next meal redemption.

An adult meal includes one entree platter, one side or dessert, and one soft beverage or iced tea. Children with an all-day dining wristband can redeem a kids meal every 90 minutes.

What is the all-day dining cost at SeaWorld?

The online price for the SeaWorld all-day dining deal is $49.99 per adult (ages 10 and older) and $24.99 per child (ages 3-9). The cost is the same whether you’re visiting the Orlando or San Diego location. Additionally, some SeaWorld annual pass holders receive a discount on the all-day dining upgrade.

The dining upgrade can be purchased online ahead of your visit or inside the park.

🤓Nerdy Tip

The in-park price might be higher than the online price.

Eligible restaurants

As of this writing, you can use your all-day dining wristband at the following locations:

SeaWorld, San Diego

  • Explorer’s Cafe.

  • Calypso Bay Smokehouse.

  • Hibisco Modern Mexican.

  • Manta Pizza.

  • The Chicken Snack Shack.

  • Shipwreck Reef Cafe.

SeaWorld, Orlando

  • Voyager’s Smokehouse.

  • Expedition Cafe.

  • Captain Pete’s Island Hot Dogs.

  • Seafire Grill.

  • Lakeside Grill.

  • Altitude Burger.

  • Panini Shore Cafe.

  • Waterway Grill.

Restaurants and cafes included in this dining upgrade change without notice.

Pros and cons: SeaWorld all-day dining upgrade

Consider these pros and cons to decide whether the SeaWorld dining pass is worth it for you.

  • Easily pays for itself. If you plan on visiting the park for a full day and expect to dine at least a couple of times, you’ll likely save money on food and beverages.

  • Can try different cuisines. The all-day dining plan is valid at a variety of restaurants and cafes, all of which offer something that appeals to all taste buds. Whether you’re craving barbecue, burgers or hot dogs, you can get them for one flat price.

  • It’s convenient. There’s no need to fumble with your wallet or your phone for tap-to-pay at the registers. Just scan your all-day dining wristband.

  • Long checkout lines. There’s a specific checkout line to redeem all-day dining meals at participating restaurants and cafes. Sometimes lines can be long, which can be frustrating if you’re also juggling kids, are waiting under the hot sun or are just plain hangry. 

  • Restricted beverages. It’s not surprising that alcohol isn’t included as a beverage option for the all-day dining plan. However, it also doesn’t include bottled water, which can be limiting for those who don’t drink soda or other sugary beverages.

  • Sharing meals isn’t allowed. SeaWorld’s all-day dining policy prohibits guests from sharing meals with other guests ages 3 and up.

  • Doesn’t include special dining experiences. All-day dining is only available at select restaurants. It’s not valid at experiences like Dine with Orcas and Breakfast with Orcas.

Is all-day dining at SeaWorld worth it?

Figuring out whether SeaWorld’s all-day dining is worth it depends on your dining preferences. However, in terms of cost, you can quickly recoup what you paid for all-day dining.

For example, let’s say you dine at Calypso Bay Smokehouse, which is an all-day dining restaurant. An adult tri-tip entree with mac and cheese costs about $20.99, without a beverage.

That’s already nearly half the cost of SeaWorld all-day dining. If you plan on eating a full meal at the park at least two times, you’ll likely make back the cost you spent on this upgrade. Plus, you’ll have the option to redeem more meals or beverages throughout the day, if you’re feeling peckish or parched.

Ultimately, consider how much the individuals in your party are realistically going to eat during your visit. If your child, for example, is a low-volume eater who typically doesn’t finish their entire meal in one sitting, purchasing all-day dining for them might not make sense.

Frequently asked questions

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Source: nerdwallet.com

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Key takeaways

  • A mortgage transfer is when another person or an entity takes over your existing mortgage.
  • Most mortgages are not transferable, but lenders may approve a transfer in a few situations.

In most circumstances, a mortgage can’t be transferred from one borrower to another. That’s because most lenders and loan types don’t allow another borrower to take over payment of an existing mortgage.

In some cases, though, a mortgage transfer is necessary and allowed, such as in the event of a death, divorce or separation, or when a living trust is involved.

What is a mortgage transfer?

A transfer of a mortgage is when a borrower reassigns an existing home loan to another person or entity.

“In essence, this transfers all responsibilities associated with the mortgage and lien on the property to somebody new,” says Rene Segura, head of consumer lending for FBX, the banking division of Informa Financial Intelligence, based in Dallas.

This transfer, or assignment, is usually only allowed when the mortgage is assumable, says Rajeh Saadeh, a Somerville, New Jersey-based real estate attorney. When transferring an assumable mortgage, the new borrower agrees to make all future payments at the original interest rate. The transfer typically severs any legal obligations the original borrower has to the loan.

How a transfer of mortgage works

When you transfer a mortgage, another person assumes the financial responsibility of repaying the outstanding loan balance, under the same terms and conditions. The monthly payment, loan length and interest rate will remain the same once the mortgage is transferred to the new borrower. After the successful transfer of a mortgage, the original borrower is usually relieved of any financial obligations for repaying the loan.

Transferring a mortgage has benefits for both the original borrower and the new borrower. For example, transferring a mortgage can help the original borrower avoid foreclosure if they’re unable to continue paying their loan. For the new borrower, assuming an existing mortgage can potentially help them get a better interest rate than what’s offered in the current market and avoid the closing costs required with a new mortgage.

Can I transfer my mortgage to another person?

The short answer is yes, you can transfer your mortgage to another person, but only under certain circumstances. To find out if your mortgage is transferable, assumable or assignable, contact your lender and ask.

“Most lenders would prefer not to do a loan transfer, as it doesn’t benefit them in any way unless the buyer is at risk of being in default,” says Dustin Singer, a real estate agent and an investor in Pittsburgh.

Make no mistake: Most mortgages are not transferable from one borrower to another. That’s true of conventional loans, which are not government-backed (meaning they’re not an FHA, VA or USDA loan), as well as conforming loans that meet funding criteria for Fannie Mae and Freddie Mac.

“These types of loans tend to use a due-on-sale clause, which requires a loan to be repaid in full or conveyance of the full interest in a property to allow the mortgage transfer,” says Segura. “In other words, the loan must be fully repaid, and a new mortgage would need to be executed to achieve a transfer.”

Loans that are usually assumable, meaning you can transfer them in some cases, include:

  • FHA loans
  • VA loans
  • USDA loans

Keep in mind there are exceptions to this rule, so not all loans will be transferable.

“FHA loans are typically assumable but depend on the current state of the loan and the creditworthiness of the new borrower at the time of attempted transfer,” says Segura, adding that to complete the transfer, the new borrower would have to go through the application process and may need to have a property appraisal done, as well.

For VA loans, this same process applies, but only if the loan closed before March 1, 1988. VA loans closed after that date may require approval by the lender or loan servicer.

USDA loans may also be transferable pending lender approval.

Exceptions to the rule

Even if your mortgage has a due-on-sale clause and isn’t assumable, there are certain circumstances under which your lender may approve a transfer. These include:

  • Death of a spouse, joint tenant or relative
  • Transfers between family members, including the borrower’s spouse or children
  • Divorce or separation agreements in which an ex-spouse continues to live in the home
  • Living trust arrangements in which the borrower is a beneficiary

For these mortgage transfers to work, the new borrower needs to be added to the property’s deed, the deceased owner needs to be removed from the deed or a spouse relinquishing ownership must sign a quitclaim deed.

When a mortgage transfer makes sense

There are several situations when transferring a mortgage might make sense. Some of those scenarios include:

  • A family member has an ownership stake in the home: If an immediate family member has an ownership stake in the property, you might transfer the mortgage into their name.
  • A family member is better suited financially to take on the loan: Transferring a mortgage can be a good solution if you have a family member who is in a better financial position to repay the loan.
  • The original borrower has passed away: If the original mortgage borrower dies, it makes sense to transfer the loan to a relative or survivor who has the ability to pay it back.

“All of these scenarios are still on a case-by-case basis in which the lender will need to approve the transfer,” says Segura.

“Many people try to assume mortgages so they can take advantage of lower interest rates than what they would qualify for today,” says Than Merrill, founder of FortuneBuilders in San Diego.

How to transfer a mortgage

To learn how to transfer ownership of a house with a mortgage, you’ll need to talk to your lender and see if your mortgage qualifies for a transfer. Here’s how the process might look:

  1. Contact your lender. Before doing anything else, reach out to your lender to check that your mortgage is transferable.
  2. Consider legal representation. Transferring a mortgage can be complicated. If you’re nervous about doing it alone, you can hire an attorney to help you navigate the process.
  3. Begin the transfer process. After confirming your eligibility, you can work with your lender to start the transfer. Depending on your loan and lender, this can include completing paperwork and verifying that you’re current on your payments. The lender will also assess the new borrower’s credit profile.
  4. Complete the transfer. Mortgage transfers aren’t instant. Until yours is approved, don’t forget to keep making loan payments and comply with any follow-up instructions sent by your lender.

What are transfer taxes?

Some state and local governments impose a one-time real estate transfer tax that must be paid any time a property is transferred from one person to another. In many cases, the seller must cover transfer taxes, but this varies by jurisdiction. The amount of the tax also depends on where you live, but it’s usually either a flat rate or a percentage of your home’s sale price.

Alternatives to a mortgage transfer

Instead of transferring a mortgage, consider these alternatives:

  • Buying the home from the original borrower: The person who wishes to assume the loan applies for a new mortgage and buys the home from the previous borrower. However, this means dealing with new loan terms and interest rates.
  • Adding a second borrower: This option involves adding the new borrower to the loan. However, it won’t remove the original borrower, so they’ll remain liable for the debt.
  • Refinancing and adding a borrower: Refinancing your mortgage and adding a second borrower lets you adjust the loan’s terms and rate. It may be easier to add another borrower by refinancing. However, this also has the drawback of not freeing the original borrower from their liability for the loan.
  • Unofficial transfers: With this option, you can have the new borrower send payments to the original borrower, who then pays the loan. However, this is a bad idea because the initial borrower is liable for the debt and has little recourse if the new borrower stops paying. It may also break the terms of the mortgage, especially if the original borrower moves out.

FAQ

  • While most mortgages aren’t transferable, some lenders might make an exception for transfers between parents and children. You’ll need to speak with your lender to see if you’re eligible and understand the requirements.

  • For an official transfer, you’ll need to work with your lender to initiate and complete the process. There are also unofficial transfers, where the original borrower continues paying the loan using funds from the new borrower (and neither party notifies the lender). This isn’t recommended because it has legal and financial risks.

  • A bank might transfer a mortgage for several reasons, including death and divorce. Living trust arrangements can also trigger a mortgage transfer.

Bottom line

Transferring a mortgage can simplify things: The new borrower wouldn’t have to apply for a new loan, pay for closing costs or possibly risk paying higher interest rates. However, many kinds of mortgages aren’t transferable, and if yours is, you’ll have to prepare for a lot of paperwork to make it official.

“The mortgage transfer will require a lot of documentation, with several new guidelines and criteria on the loan,” says Segura. “Read all documents thoroughly for any potential changes on the mortgage rights.”

Also, keep in mind that a mortgage transfer doesn’t change the debt obligation on the loan; the new borrower still needs to pay off the same outstanding balance.

If in doubt, consider discussing this option with a real estate attorney and skilled financial professional before proceeding.

Source: bankrate.com

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Hedging, Servicing, Fulfillment, Non-QM Products; Senators, The CFPB, and Navy Federal

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Hedging, Servicing, Fulfillment, Non-QM Products; Senators, The CFPB, and Navy Federal

By:
Rob Chrisman

Wed, Jan 17 2024, 11:20 AM

Today I am in San Diego for the SD CAMP event. At the same latitude, a poll was taken by Texas Governor Greg Abbott’s office which asked whether people who live in Texas think illegal immigration is a serious problem. 29 percent of respondents answered: “Yes, it is a serious problem.” 71 percent of respondents answered: “No es una problema seriosa.” (Did you know that Texas even has its own pledge of allegiance?) Politics aside, Texas is home to many lenders. And many hotels. Marriott certainly has the business travel market dialed in, but just six companies in the United States control 80 percent of branded hotels, and two companies (Choice Hotels and Wyndham) may merge giving us five. Choice owns Radisson, Quality Inn and Econolodge brands; Wyndham owns Ramada, La Quinta, Days Inn, Super 8, and Howard Johnson. If a takeover/merger occurs, 16,500 hotels and 46 brands will be run by a single entity. Yikes! Today’s podcast can be found here, and this week’s is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite’s three core products (nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics) unite the people, systems, and stages of the mortgage process. Today’s features an interview with nCino’s Pam Faulkner on a topic that every mortgage lender has to contend with: change management.

Lender and Broker Services and Software

Short-term rental analysis product announcement! Opteon AMC, a top nationwide appraisal management company (AMC), announced its pioneering Short-Term Rental Analysis (STRA) product last week. The first of its kind on the market, Opteon collaborated with AirDNA, a leading short-term rental (STR) data and analytics provider, on this innovative tool set to revolutionize how non-QM lenders assess properties for STR investment. It will equip lenders with accurate rental potential, occupancy rate predictions, market trends with comparables, and an expert appraiser analysis. This appraiser-approved Short-Term Rental Analysis replaces the existing 1007 form which, while widely used, falls short in addressing the unique dynamics of STR investments. Opteon and AirDNA partnered together to create a simple, comprehensive solution that promises to reshape the appraisal process for STRs. This product is exclusively available to Opteon customers as of January 8, 2023. To learn more, visit: www.opteonusa.com or contact [email protected].

“FundingShield, the market leader in wire & title fraud prevention, released its Q4-2023 report showing an all-time high 51.8 percent of transactions had deficiencies. During Q4-2023, 49.23 percent of transactions had CPL issues, 7.6 percent had CPL Validation issues and 8.45 percent had increased Wire risks. This increase highlights ongoing cybersecurity challenges such as Business Email Compromise (BEC) events and phishing attacks. “Cyber-Breach Events at First American and Fidelity National Financial are driving additional demand for funding controls, cyber-security defenses and closing-agent vetting as auditors, regulators or investors ask for evidence of controls. Our tech-driven solutions to manage payment risk, vendor selection, live monitoring of service providers and more are addressing these needs with customized solutions. These sophisticated, intentional acts of cybercrime create financial losses within impacted firms and threaten enterprise valuations of listed public firms. This creates additional motivation for short players who are looking to express their negative view in free markets,” shared Ike Suri, CEO. Contact us for demos and free trials.”

“Increase your company’s pipeline and margins with Non-QM loans through Verus Mortgage Capital. The Mortgage Bankers Association (MBA) forecasts mortgage originations to increase to $2 trillion. With mortgage rates expected to stabilize through the end of the year and the possibility of a Fed interest rate cut soon, the stage is set for growth. Give your production pipeline an extra boost by adding Non-QM loans. Now’s the perfect time to partner with Verus, the nation’s largest issuer of securitizations backed by non-qualified mortgage (Non-QM) loans. We offer flexible non-agency loans for property investors, foreign nationals, and many others. Navigate the evolving landscape with confidence, backed by our Non-QM expertise. We’re not just a solution, we are your key to unlocking new opportunities. To learn more, contact Jeff Schaefer, EVP – National Sales or 202-534-1821.”

“Wholesale lending is more competitive than ever. These lenders are competing to win a shrinking volume of loans, fighting for attention among a sea of loan originators. Giant lenders are brandishing technology tools that only the giants can afford and using them to shoulder out smaller competitors. But as the market thaws and lenders find firmer footing, there’s an opportunity to fight back. Join our webinar, ‘Mastering the Art of Mortgage Broker Engagement’ on January 24th at 10 am PST to learn best practices and strategies that wholesale lenders are using to thrive in the TPO market. This webinar will show you proven tactics and technology tools that are helping wholesale lenders create efficient sales processes that are both scalable and effective. Click here to register for the webinar and gain insight on an origination channel that needs more attention.”

Save over 20 percent on costs and gain valuable flexibility with outsourced loan fulfillment. Maxwell’s on-demand underwriting provides the agility lenders need to scale their fulfillment expenses in proportion to loan volume. With direct integration to your LOS, Maxwell’s experienced onshore team of underwriters provides a seamless, fast, and cost-effective experience. Plus, you’ll be able to maintain your operations even during gaps in in-house coverage, ensuring an uninterrupted workflow no matter the market conditions. To learn more about Maxwell’s on-demand underwriting and other fulfillment services, click here or schedule a call today.

Servicing Assistance and Software

“LoanCare®, a top U.S. mortgage subservicer, has re-imagined the homeowner digital experienced with our newly re-engineered and re-designed homeowner website: myloancare.com. Powered by LoanCare’s own proprietary software, our consumer digital experience is a fully white label capable platform designed to help you maximize your brand, recapture customers, and build lasting relationships. Frictionless functionality coupled with advanced security features, intuitive design, and comprehensive line of sight into the homeowner experience mean our clients are in the driver’s seat managing their portfolio from every angle. And did we mention? The site is available in both English and Spanish! Contact us to learn more today.”

“Delivering the Best Homeowner Experience! Cenlar is more than just a mortgage subservicer. We strive to be our clients’ trusted partner each and every day. And a big part of that is how we care for our clients’ homeowners. A home is most likely someone’s largest asset. That’s why we continue to deliver industry-leading subservicing solutions that offer the very best experience for our clients and their homeowners. Whether that’s the regular cycle of onboarding, escrow, monthly payments and year-end or challenges facing homeowners like natural disasters, we are responsive, anticipatory and always caring. Let’s discuss how Cenlar can meet the mortgage servicing needs of your organization. Call 1-888-SUBSERV (782-7378) or visit here. We want to be your trusted partner, each and every day.”

Monitoring the State of the Markets

To me, and many that I speak with, the lending biz has continued to be quiet after the flurry of activity in November. But that is just a feeling that I have. There are groups that actually provide a quantitative analysis of what is going on. Glancing around the biz…

A group of U.S. senators are calling on the Department of Housing and Urban Development (HUD) and the Consumer Financial Protection Bureau (CFPB) to review the gap in mortgage approval rates between white applicants and Black and Hispanic applicants at Navy Federal Credit Union.

Optimal Blue announced the release of its Originations Market Monitor report, looking at mortgage origination data through December month-end. Leveraging daily rate lock data from the Optimal Blue PPE, the industry’s most widely used product, pricing, and eligibility engine, the Originations Market Monitor provides a comprehensive and timely view into origination activity.

The latest ICE Home Price Index data for November 2023 showed continued home price growth resiliency, rising demand, and falling 30-year rates provided some affordability relief. ICE Vice President of Enterprise Research Andy Walden explained, “In simple dollars and cents, it requires $279 less per month to purchase the median priced home when compared to late October. Given that improvement, it’s no surprise mortgage applications have risen in recent weeks, hitting their highest adjusted levels since early September.” Annual home price growth rose to +5.1 percent in November, up from a revised +4.5 percent in October, as momentum from early year increases. On a non-adjusted basis, home prices fell by -0.46 percent in the month, but when adjusted for seasonality prices were up +0.14 percent, slightly above October’s +0.09 percent. While home affordability remains a significant challenge, falling rates in recent weeks. Due to the holidays ICE Mortgage Monitor will not publish a report in January. Reports for previous months are available online at https://www.blackknightinc.com/data-reports/. The next ICE Mortgage Monitor will be published February 5, 2024.

Capital Markets

“As a secondary marketing professional, your top priorities are managing interest rate risk and maximizing loan sale execution. But when’s the last time you stopped to consider whether your hedging software helps you achieve those goals? Optimal Blue offers the most comprehensive hedging solution in the industry, complete with exclusive API connections to the Optimal Blue PPE and aggregator bulk-bidding via the CompassPoint buy-side bid tool. This powerful combination provides you with the most accurate price discovery to drive your front-end pricing, mark to market, and best execution. Plus, optimization tools and bulk bid/AOT functionality help you squeeze every basis point out of your loan sales. Optimal Blue sets itself apart when it comes to managing risk through precise valuation and fallout modeling, use of spec pay-ups and spec durations, real-time MSR values, and much more. Contact our team to learn what this can mean for your business.”

As investors returned from a three-day weekend, corporate earnings were in focus to open the trading week. There was some optimism amongst market participants about the economy as Goldman Sachs and Morgan Stanley reported better than expected results for Q4. However, a strong economy means that the Fed is less likely to cut rates as soon as investors are predicting. Market expectations are still for up to six cuts in 2024. Fed Governor Waller yesterday urged caution for central bankers when the time comes to lower rates. He said that the U.S. central bank should take a cautious and systematic approach when it begins cutting interest rates, a process that can start in 2024 absent a rebound in inflation.

The U.S. economy continues to be resilient, with robust consumer spending. While 2024 started with expectations that inflationary pressures around the world were abating, higher military spending due to various global conflicts as well as rising healthcare costs may lead inflation to be stickier and rates to be higher than markets expect. An escalation in geopolitical tensions in the Middle East, more from incidents in the Red Sea than the war in Gaza, has introduced added costs of recalibrating shipping routes and upward pressure on energy prices. That, along with an economy fueled by large amounts of government deficit spending and past stimulus makes for a thorn in the side of central banks around the globe trying to bring inflation down.

Today’s busy economic calendar began with mortgage applications increasing 10.4 percent from one week earlier, according to data from the Mortgage Bankers Association’s Weekly Mortgage Applications Survey for the week ending January 12, 2024. Last week’s results included an adjustment to account for the New Year’s holiday. Another increase was expected after the year-end slowing, while the 10-year yield fell 9 basis points during the reporting period with 30-year mortgage rates following suit.

Markets have also received retail sales for December (+.6 percent, also +.6 percent ex auto and gas) and import prices (flat). Later today brings Redbook same store sales, industrial production and capacity utilization for December, November business inventories, the NAHB Housing Market Index for January, a $13 billion Treasury auction of reopened 20-year bonds, and the latest Beige Book from the Fed. Three Fed speakers are scheduled: Vice Chair for Supervision Barr, Governor Bowman, and New York President Williams. We begin the day with Agency MBS prices worse .125-.250 from Tuesday and the 10-year yielding 4.11 after closing yesterday at 4.07 percent after the strong retail sales figures.

Employment

A trillion dollars in credit card debt. That’s A LOT and it’s what Americans currently owe.* The good news? There’s something you can do about it. With access to a wide variety of loan products, you can help your borrowers and boost business while you’re at it. The ability to shop hundreds of loan options with dozens of lenders means you can: * help your clients consolidate debt* and *get creative with home financing so they can reach their homeownership goals.* So, how do you get all this access? By joining your local Motto Mortgage office. Motto Mortgage brokerages are hiring talented loan originators in: AK, AZ, CA, CO, CT, FL, GA, ID, IL, IN, KS, KY, MA, MI, MN, MO, MS, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI. More of a “make it happen” kind of LO? Schedule a chat to learn about joining Motto HERE.

The Association of Independent Mortgage Experts (AIME) and its advocacy group and political action committee, Broker Action Coalition (BAC) and BACPAC announced they are acting independently (AIME focuses on member services and BAC on advocacy initiatives) and AIME’s CEO Katie Sweeney will be stepping down at the end of March from her current role to lead BAC full time. “AIME has been the backbone of the independent mortgage broker community since 2018, and that’s not going to change,” stated Marc Summers, President of AIME. Along with Sweeney, BAC’s leadership will include former AIME President of Advocacy Brendan McKay who will focus on growing the advocacy network’s members, donors, and programs as the co-founder and Chief Advocacy Officer. Congratulations!

Ranieri Solutions, which has been developing a platform to address the antiquated state of mortgage servicing technology, today announced the appointment of Rob Lux as its Chief Executive Officer to spearhead the company’s go-to-market efforts for its cloud-native servicing platform. The addition of a new CEO is coupled with the recent announcement of a partnership with SAP Fioneer. (The Ranieri platform’s standout feature is its elegant, uniform core and modern user interface which we believe will lower the risk of misconfiguration and incompatibilities. Servicers need the agility to quickly respond to industry changes and seize market opportunities. This modern cloud-based platform was built from the ground-up with servicers in mind.)

The Mortgage Firm announce the promotion of Sheri Nedley to the position of Chief Operating Officer. With a remarkable journey spanning 25 years at the company, Nedley’s promotion is a testament to her exceptional leadership and dedication with time spent as Closing Manager, SVP of Operations, and Head of Capital Markets. As COO, Sheri will oversee the company’s day-to-day operational strategies, aiming to enhance customer experience and drive sustainable growth. Her focus will be on leveraging technology, optimizing operational processes, and nurturing a culture of excellence within the organization.

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

Source: mortgagenewsdaily.com

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Lucky for you, this country features culinary gems from coast to coast. Think you know the best foodie cities in the U.S.? See if your projections match up with our top 10 list.

What makes a great foodie city?

Any serious epicure prioritizes restaurant choice and variety of cuisine on their wish list of where to live. Good news: You no longer have to guess if the city you’re considering calling home is actually one of the best foodie cities in America. We’ve done the math for you.

So what makes these the best foodie cities in the country? Restaurant options, and plenty of them. We looked at no fewer than 104 different cuisines to see how many different choices exist in any given city.

Whether you’re hungry for falafel, pho or fried chicken, the higher the city on the list, the better the chance that you’ll never meet a craving that isn’t satisfied.

But first, a quick housekeeping note. Yes, we realize that there are three No. 9s in our “Top 10″ list below, and 11 total entries. There was an unprecedented three-way tie for the No. 10 spot just to keep us on our toes. So let’s start there, with our trio of lucky number nines:

9 (tied). Portland, OR

How do you feel about street food? If you like a good food truck, it’s time to meet Portland‘s “food carts.” These culinary treasure troves stay put (unlike trucks) and organize in “pods” that make it easy — and practically required — to sample flavors from several different spots in one go.

There are no fewer than 500 food carts here, and the food rivals some of the city’s best restaurants. So what do they serve? Everything … truly. From barbecue to Vietnamese, and pretty much everything in between.

Portland’s not just about man buns and mustaches, though you’re bound to see both in a city that’s proud for being called “weird” — along with naked bike rides, vegan strip clubs and all the quirks you can handle. If that sounds like your speed, expect to spend around $1,747 per month for a one-bedroom apartment.

9 (tied). Seattle, WA

When we talk about the food in Seattle, we obviously need to start with the iconic Pike Place Market. From fishmongers and fresh oysters to specialty food shops and spicy noodles, this admittedly touristy place is ground zero for true gourmands. Like the city at large, the century-old market offers a truly tasty variety of straight-up outstanding cuisine. And yes, also flying fish photo ops.

Eat your way around the city and you could start with steaming bowls of pho, savory Chinese pastries or to-die-for smoked salmon — paired with some of the country’s best coffee.

Ready to set down roots and begin the culinary journey of a lifetime? Expect to pay around $2,214 in rent per month for a one-bedroom. Don’t worry, it’s in your budget. The median income here is a healthy $93,481.

9 (tied). Houston, TX

If you think Houston‘s culinary scene starts at brisket and ends with enchiladas, it’s time to broaden your gastronomic horizons. Yes, barbecue and Tex Mex are big here — this is, after all, one of the best cities for meat lovers — but that’s really just the beginning. From Czech kolaches (savory breakfast pastries) to Cajun crawfish, you’ll find diverse flavors to suit your every mood.

If you’re ready to hunker down in H-town, budget a reasonable $1,241 per month for your housing costs. Sure, it can get pretty steamy in these parts, but fret not. You’ll find plenty of crisp salads and frosty ice cream to cool off with here in the Lone Star State.

8. Washington, DC

If there’s one thing that can unite politicos across party lines, it’s good food. And you’ll find plenty of it here in the nation’s capital.

In the mood for Korean fried chicken? D.C.’s got you covered. Feel like cracking into Chesapeake blue crab? You’re in the right place. Oh, you want Michelin stars? Yep, D.C.’s got those, too. Find diverse flavors for any budget that will happily fill you up for years to come. And don’t sweat your waistline. With an impressive walk and bike score, it’s easy to work it all off.

Ready to find a neighborhood that’s just right for you? You’ll find ample options here when it comes to both housing and restaurants. Plan to spend around $2,406 in monthly rent — and as much or as little as your food budget allows for all the amazing flavors the city has to offer.

7. Las Vegas, NV

From all-you-can-eat buffets and tony steakhouses to celebrity chef outposts, you may think you know all there is to know about eating in Vegas. Think again. This desert city’s food scene goes well beyond the Strip, and you could spend a heck of a lot longer than one crazy weekend exploring all of the different flavors that make up this vibrant city.

People have been flocking to the Vegas suburbs in droves over the past few years. Why? In addition to the fantastic culinary scene, there’s no state income tax — not to mention 300 days of sunshine per year. Sound pretty good? Plan to spend around $1,311 a month for rent.

5 (tied). San Diego, CA

What’s not to love about sunny San Diego? Endless sandy beaches, a vibrant downtown and yes, an amazing food scene. All that sunshine powers a bounty of fresh produce, while the sea serves up uber fresh seafood.

From fish tacos and carne asada to wood-fired pizza, Southeast Asian cuisine and fabulous local wine, prepare to wow your palate. And did we mention that Mexico is just 17 miles away? Expect plenty of spillover from all those south of the border flavors.

This tasty bounty does, however, come at a cost. It’s not exactly cheap to live by the coast in California — but it could be worse (looking at you, SF and L.A.!). You’ll pay around $2,402 per month in rent, but expect to pull in a salary just shy of $80K a year.

5 (tied). Philadelphia, PA

The City of Brotherly Love loves cheesesteaks. And hoagies. And Tastykakes…are you getting hungry? Same, yo. Let’s not forget soft pretzels, crab fries and scrapple. OK, you get the picture. How are you going to get anything done when there’s all that good food to sample? At least you can keep moving — Philadelphia boasts excellent walk and bike scores.

If you don’t mind a little snow (ahem, 22 inches a year), and think you can find a healthy balance between indulging your cravings and not overdoing it, perhaps Philly is for you. The price tag? You’ll pay an above-average $2,152 per month in rent for a one-bedroom.

3 (tied). San Francisco, CA

San Francisco has changed a lot over the last decade, thanks to as a wave of tech companies that have pushed housing prices to the upper limit.

However, one crucial factor has remained constant — and probably even improved: the food scene. From crusty sourdough bread to Dungeness crab, the city offers an embarrassment of culinary riches. It’s also the best city in America for local restaurants.

Let’s address the elephant in the room … it costs a lot to live here. Rent is downright astronomical, with a one-bedroom clocking in around $3,560 per month in rent. But there is some good news! For one, rent prices are dropping. A lot.

And then there’s the job market, and the plump paychecks you can expect to cash in on. How plump? The average salary here in the City by the Bay is $112K. Rest assured, there will be plenty of those six figures left in your budget for some truly amazing meals.

3 (tied). Los Angeles, CA

Tied with its NorCal rival, Los Angeles is also the third-best foodie city in America. The culinary gems here run the gamut, from killer fish tacos and carnitas to pupusas, pork belly ramen and salmon sashimi — and, yes, plenty of top chefs and Michelin stars sprinkled into the mix.

You’ll find global eats from around the world throughout these sprawling environs, and there’s nary a flavor craving you can’t trek down.

There’s a lot more to living in Los Angeles than Hollywood and beaches. Namely, the endless neighborhoods in between, each one boasting its own foodie finds from food trucks to fine dining.

Ready to find the LA neighborhood that’s best suited for you? Budget around $2,970 per month for rent.

2. Chicago, IL

Should we start by mentioning deep dish pizza? How could we not, really? Oh, you want to talk about steak? Italian beef sandwiches? The truth is, that’s just the tip of the iceberg when it comes to Chicago‘s food scene.

There’s a reason Bon Appetit magazine named Chi-town “Best Food City in America” back in 2017. Four years later, it’s only fallen one notch in our top 10. Knowing where to start your culinary adventures is overwhelming, but this is a very good “problem” to have if you tend to let your stomach lead.

If you don’t mind the winters, Chicago’s ready to welcome you with open arms. And for those glorious sunny days, you can’t do much better than the walk and bike scores here — all the better to work off those occasional indulgences. All this flavor is yours if you pay around $2,232 per month in rent.

1. New York, NY

And the best foodie city in the U.S. is … do we even need to say it? No surprise that New York comfortably takes our top slot.

As much as some of the cities in our top five may like to debate it (looking at you, California), no city can beat the Big Apple when it comes to diverse restaurant options that draw foodies from all over the world.

Where else can you find literally whatever you want to eat — at any hour? From classic diner fare to pizza, soft pretzels and five-star cuisine that spans the globe, NYC has it all. In spades.

The city also boasts the highest walk score on our list, just shy of perfect at 99. If there is one drawback, it’s probably the rent prices. A one-bedroom here will cost you around $3,794. But just remember, a one-bedroom in the big city is practically a penthouse when a shoebox studio is an entry-level norm.

The top 50 best food cities in the U.S.

Okay, so there aren’t too many surprises on our top 10 list — we can’t dispute the data. However, we can cast a wider net to highlight the 50 best foodie cities in America (technically 51 because of ties).

And if you’re still searching, take the insider route and check out the country’s best cities for chefs.

The worst foodie cities in America

So, you’re one of those people who have to remind yourself to eat? You don’t care what it tastes like, as long as it fuels your human form? Great. We’ve got a list you may want to take a look at. Funny how fewer restaurant choices seem to correlate with lower rent costs.

Methodology

To find the best foodie cities, we looked through a database of more than 8 million business listings and identified 104 unique dining cuisines. We then looked to see how many dining establishments advertise serving at least one of these cuisines in every city in America with more than 50,000 people according to U.S. Census 2019 population estimates.

We determined the cities with the highest percentage of cuisine coverage to be the best cities for foodies. For instance, if a city has 80 percent coverage, that means diners can find restaurants serving 80 percent of all available cuisines in America.

Business listings may not reflect recent openings and closures.

Rent prices are based on a one-year rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory of one-bedroom apartments as of April 2021. Our team uses a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.

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

Where you live can play a major role in how enjoyable your retirement is. So, where do the happiest retirees reside? To determine which cities in the U.S. are the happiest places to retire, we studied the 200 largest metropolitan statistical areas (MSAs) using the latest U.S. Census Bureau population estimates, and consulted multiple sources, including the Sharecare Community Well-Being Index, Tax Foundation, Walk Score, Sperling’s Best Places, and County Health Rankings & Roadmaps.

By identifying key elements that contribute to happiness — social networks, financials, and health — and examining 13 pivotal rankings within them, such as community, cost of living, and healthcare access, we created the Happiest Places to Retire in the U.S. in 2024. Read on to learn about the 20 best places to retire in the U.S. to help you explore your options for where to live in retirement.

Key Findings on Retirees’ Favorite Cities

•   Barnstable, MA is the happiest city to retire to, ranking #1 of all 200 cities we analyzed. It has the highest ranking overall for community well-being, and one of the highest percentages of residents who are 65-plus. The other cities at the top of the list: Naples, FL at #2, and Ann Arbor, MI at #3.

•   Colorado has the highest number of happiest cities for retirees on our top 20 list, beating out Florida. Boulder, CO is the #5 happiest city for retirees, and Fort Collins and Denver also made the list.

•   Colder climates are now attracting retirees. Three of our top 5 cities for retirement (Barnstable, MA; Ann Arbor, MI; and Boulder, CO) have average high winter temperatures in the 30s or 40s.

•   Naples, FL residents live the longest. The city has the highest average life expectancy (86.1 years) of all 200 cities we analyzed.

•   Ann Arbor, MI, has the lowest tax burden for retirees on our top 20 list, followed by Myrtle Beach and Charleston in South Carolina. Meanwhile, Akron, OH has the lowest cost of living of the top 20 cities for retirees, 80.8% of the U.S. average.

Top 20 Happiest Cities to Retire

Looking for information on the happiest places to live after retirement? Whether you dream of an ocean breeze or mountain views, you have plenty of cities to consider.

The top 20 happiest cities for retirees offer a broad range of activities, amenities, and resources. They’re also located all across the nation, as shown in this map of the top 10, so you can find a place in the part of the country you’d most like to live in.

1. Barnstable, MA

Coming in at the top of the happiest cities to retire in the U.S. list is Barnstable. Located on Cape Cod, its beachside beauty attracts retirees, making it one of the top three cities for residents 65 and up. While living here can be expensive (the median household income is $91,438) and there’s less access to healthcare than the other top contenders have, residents enjoy a high level of social interaction and plenty of entertainment and activities.

2. Naples, FL

Those who want to live by the water and enjoy warmer weather can head south to Naples. The cost of living in this city is fairly reasonable, and there’s no state personal income tax, which means your retirement savings can go a lot further. Naples also has the highest life expectancy (age 86.1) of all 200 cities we analyzed.

3. Ann Arbor, MI

Want to enjoy city life without the high prices? Ann Arbor, a college town, has plenty of big city amenities at an affordable price point. Another draw for retirees: Ann Arbor residents enjoy the highest level of healthcare access of the cities on our list, and ranks #1 for health overall.

4. Durham, NC

Friendship and social interaction are important in retirement. Durham, one of the top cities to retire in the U.S., offers a strong sense of community and social well-being, according to the data. Residents will find plentiful healthcare in Durham as well. It ranks #2 out of the top 20 for healthcare access.

5. Boulder, CO

If you like to hit the slopes, Boulder may be the ideal location for your retirement years. The city is #3 on the top 20 list for housing and transportation, so you should be able to find the right place to live and get around easily.

6. North Port, FL

North Port is the second Florida city to make the top 20 list of the happiest places to live in the U.S. Community and social connection is high here, and there’s a sizable population of those aged 65 and up, making it easier to meet new friends. It also has one of the lowest tax burdens among the top 20 cities.

7. Olympia, WA

Retirees who want to live affordably on the west coast can check out scenic Olympia, WA. It ranks as #1 in the financial category, which takes into account factors such as cost of living and household income. It’s also one of the best states to retire in for taxes, which can help retirees stretch their savings. Olympia has the lowest number of residents living below the poverty level of all 200 cities we analyzed.

8. San Jose, CA

Retirees in San Jose enjoy the second-highest average life expectancy (after Naples, FL) of the 200 cities we studied, making it one of the top places for a long and healthy retirement. But there’s a tradeoff: The cost of living in San Jose is extremely high: a whopping 231% of the U.S. average.

9. San Luis Obispo, CA

If being in a comfortable environment is one of your top retirement priorities, look no further than San Luis Obispo. Along with San Jose, the city scored the highest level of comfort for retirees on our top 20 cities list, thanks to its temperate weather.

10. Madison, WI

A low average cost of living plus a high median household income ($83,214) make Madison not only one of the happiest places to live in retirement, but also one of the most affordable. In this relatively walkable city, you can save on transportation costs and live a healthier lifestyle.

Recommended: Average Retirement Savings By State

11. Honolulu, HI

Honolulu combines great weather, pristine beaches, and big city living. It gets high scores for comfortable weather and transportation. And Honolulu has some of the highest scores for social factors and community. Retiring in paradise comes at a price, however — namely, the city’s high cost of living (171.5% of the U.S. average).

12. Salisbury, MD

Salisbury, in the Eastern Shore area of Maryland, is a popular place for retirees. More than a quarter of the population is 65 and over, which means you should have plenty of peers to socialize and do activities with.

13. Washington, DC

If you’re interested in history and culture, Washington D.C. might be a good fit. And many of the city’s major attractions are free of charge. The nation’s capital is also the most walkable city on our top 20 list of the happiest places to live after retirement, so you’ll save on transportation as you get your steps in.

14. Portland, ME

In this city on the coast, you can enjoy all that the ocean has to offer plus metropolitan amenities. Portland ranks as one of the best cities to retire in when it comes to community, and it also has abundant options for art, recreation, and entertainment, which can help you stay happily busy in retirement.

15. Myrtle Beach, SC

Retirees settle down in this popular travel destination to take advantage of the reasonable cost of living and low tax burden. They also love the miles of beaches, plentiful golf courses, and comfortable weather. Myrtle Beach has the 4th highest population of people age 65-plus.

16. Harrisburg, PA

The capital city of Pennsylvania is an affordable place to retire. It has a low cost of living, which means the city’s average median income of $73,739 can go farther. Fewer people live below the poverty line here than in many other cities. Retirees can be active here as well: Harrisburg ranks as #2 of our top cities when it comes to walkability.

17. Fort Collins, CO

If you love the great outdoors, this city, located at the foot of the Rocky Mountains, has a lot to offer. All those outside adventures come with some nice health perks: Fort Collins has one of the higher life expectancies of our 20 top cities for retirees.

18. Denver, CO

Where is the happiest place to retire? It might just be the state of Colorado. Denver is the third Colorado city to make the top 20 list of happy places for retirees to live. Denver has a high level of community and social well-being, which could make retirement a lot more fulfilling. It’s very walkable, too, coming in at #5 out of the top 20 in the walking category.

19. Akron, OH

With the lowest cost of living (80.8% of the U.S. average) of the 20 best cities, Akron offers retirees affordability plus many opportunities for social and community connection. That can make it easier to make new friends in retirement.

20. Charleston, SC

A vibrant cultural scene, great food, ocean access, and lovely architecture make Charleston one of the best places to retire in 2024. Charleston ranks #2 for art, recreation, and entertainment out of the 200 cities studied, following only Los Angeles, so you’ll find plenty to do here in your golden years. And the tax burden is one of the lowest on our 20 happiest cities list.

Best Places to Retire for a Happy Retirement

Want to consider some of the different places that could make for a very happy retirement? The map below shows the top five cities out of the 200 analyzed in each of the three key categories that contribute to happiness: social, financial, and health.

200 Cities Studied for Happiest Places to Retire

Reviewing the full list of 200 cities studied for the Happiest Places to Retire can reveal additional great options for retirement. For example, following Naples, FL, the next three cities with the highest life expectancy — San Jose, CA, San Francisco, CA, and New York, NY — are all bustling, well-populated cities that also rank highly for community and social factors. Take a look at what cities across the U.S. have to offer.

Overall Rank City Total Score Social rank Financial Rank Health Rank
1 Barnstable, MA 62.05 1 6 120
2 Naples, FL 61.43 2 18 32
3 Ann Arbor, MI 61.40 64 14 1
4 Durham, NC 57.56 57 13 2
5 Boulder, CO 56.95 21 16 13
6 North Port, FL 56.77 4 37 129
7 Olympia, WA 56.46 32 1 88
8 San Jose, CA 55.52 5 113 7
9 San Luis Obispo, CA 55.18 9 11 41
10 Madison, WI 55.13 84 5 11
11 Honolulu, HI 54.82 7 71 12
12 Salisbury, MD 54.70 11 3 177
13 Washington DC 54.33 23 17 19
14 Portland, ME 53.86 17 35 22
15 Myrtle Beach, SC 53.66 8 20 181
16 Harrisburg, PA 52.39 50 24 24
17 Fort Collins, CO 52.11 34 19 80
18 Denver, CO 52.03 86 9 33
19 Akron, OH 51.64 55 10 69
20 Charleston, SC 51.62 37 55 30
21 Manchester, NH 51.49 47 22 58
22 Seattle, WA 51.44 19 101 15
23 Minneapolis, MN 51.22 48 26 28
24 Richmond, VA 50.56 24 46 40
25 Bridgeport, CT 50.52 25 83 8
26 Daphne, AL 50.50 31 12 171
27 Des Moines, IA 50.49 106 2 158
28 San Francisco, CA 50.42 6 172 4
29 Santa Rosa, CA 50.11 14 81 43
30 Raleigh, NC 50.08 45 42 56
31 Prescott Valley, AZ 49.92 3 118 193
32 Oxnard, CA 49.38 16 78 49
33 Asheville, NC 49.35 10 125 57
34 Bremerton, WA 49.22 22 52 108
35 Boston, MA 49.18 33 139 6
36 Colorado Springs, CO 49.18 95 7 141
37 Pittsburgh, PA 49.14 35 82 47
38 Portland, OR 49.03 58 96 14
39 Hartford, CT 49.02 62 36 16
40 Omaha, NE 49.00 87 25 37
41 St. Louis, MO 48.88 56 73 36
42 Lancaster, PA 48.80 46 48 74
43 Chattanooga, TN 48.79 43 53 122
44 Appleton, WI 48.78 41 30 128
45 Sioux Falls, SD 48.48 92 34 83
46 Salt Lake City, UT 48.42 125 23 25
47 Charlotte, NC 48.40 38 61 90
48 Allentown, PA 48.35 52 43 42
49 Crestview, FL 47.95 61 15 183
50 Cape Coral, FL 47.88 13 119 110
51 New Haven, CT 47.81 73 65 9
52 Austin, TX 47.76 123 40 48
53 San Diego, CA 47.73 27 103 29
54 Peoria, IL 47.60 66 27 91
55 Tucson, AZ 47.56 69 59 67 56 Green Bay, WI 47.33 80 33 92 57 Lexington, KY 47.28 94 79 31 58 Deltonah, FL 47.24 18 58 198 59 Reno, NV 47.08 44 67 117 60 Tyler, TX 47.07 127 28 99 61 Ogden, UT 47.07 101 8 160 62 Santa Cruz, CA 46.99 12 147 27 63 Atlanta, GA 46.97 54 100 60 64 York, PA 46.96 53 49 112 65 Palm Baye, FL 46.89 20 84 182 66 Boise City, ID 46.89 96 32 98 67 Grand Rapids, MI 46.89 140 39 55 68 Cincinnati, OH 46.77 71 74 63 69 Wilmington, NC 46.53 40 105 79 70 Canton, OH 46.52 100 29 131 71 Fargo, ND 46.49 154 21 71 72 Savannah, GA 46.37 107 63 59 73 Provo, UT 46.20 135 4 175 74 Norwich, CT 46.08 49 31 115 75 Roanoke, VA 46.05 28 123 46 76 Baltimore, MD 45.92 29 120 68 77 Philadelphia, PA 45.91 63 109 44 78 Nashville, TN 45.89 99 68 105 79 Anchorage, AK 45.87 136 87 86 80 Indianapolis, IN 45.73 119 44 95 81 Sacramento, CA 45.72 42 98 50 82 Trenton, NJ 45.67 70 110 18 83 Lincoln, NE 45.63 103 38 93 84 Port St. Lucie, FL 45.51 15 126 173 85 Albany, NY 45.48 60 62 38 86 Vallejo, CA 45.16 36 97 89 87 Louisville, KY 45.03 117 47 106 88 Worcester, MA 44.90 82 94 51 89 Virginia Beach, VA 44.90 83 70 64 90 Huntsville, AL 44.81 77 60 142 91 Chicago, IL 44.70 79 107 26 92 Kalamazoo, MI 44.57 149 64 70 93 Poughkeepsie, NY 44.47 90 54 45 94 Spokane, WA 44.35 113 51 111 95 Eugene, OR 44.29 68 108 81 96 Columbia, SC 44.22 105 91 104 97 Kansas City, MO 44.13 75 88 103 98 Phoenix, AZ 43.94 89 104 85 99 Jacksonville, FL 43.71 67 102 152 100 Salinas, CA 43.70 85 86 66 101 Little Rock, AR 43.63 144 80 61 102 Dallas, TX 43.55 130 90 97 103 Cleveland, OH 43.47 139 142 10 104 Greenville, SC 43.41 118 106 75 105 Lansing, MI 43.35 150 56 125 106 Rochester, NY 43.26 114 93 20 107 Cedar Rapids, IA 43.25 104 50 161 108 Winston, NC 43.23 91 116 73 109 Greeley, CO 43.15 141 41 162 110 Detroit, MI 43.15 72 122 116 111 Reading, PA 42.88 76 117 87 112 Fort Wayne, IN 42.52 152 45 168 113 Dayton, OH 42.43 111 95 127 114 Davenport, IA 42.37 110 77 139 115 Atlantic City, NJ 42.26 39 131 100 116 Fayetteville, AR 42.17 122 75 151 117 Santa Maria, CA 42.11 59 134 53 118 Evansville, IN 41.59 161 57 144 119 Knoxville, TN 41.58 74 138 149 120 Oklahoma City, OK 41.21 148 89 150 121 Milwaukee, WI 41.18 98 141 54 122 South Bend, IN 41.14 145 85 167 123 Hagerstown, MD 40.26 81 112 179 124 Columbus, OH 40.23 166 72 137 125 Ocala, FL 40.11 26 153 199 126 Birmingham, AL 39.94 65 159 107 127 Montgomery, AL 39.91 134 92 189 128 Rockford, IL 39.80 143 76 157 129 Pensacola, FL 39.44 133 121 153 130 New York, NY 39.32 51 184 5 131 Syracuse, NY 39.27 137 124 35 132 Killeen, TX 39.26 186 69 114 133 Lynchburg, VA 39.22 155 66 174 134 Buffalo, NY 38.98 128 128 39 135 Wichita, KS 38.67 97 135 163 136 Tallahassee, FL 38.65 147 132 134 137 Providence, RI 38.62 112 167 34 138 Los Angeles, CA 38.60 30 187 23 139 Kennewick, WA 38.45 151 127 123 140 Flint, MI 38.34 171 111 156 141 Orlando, FL 38.33 153 155 72 142 Tulsa, OK 38.31 174 99 169 143 Las Vegas, NV 38.31 121 146 135 144 Salem, OR 38.25 138 130 133 145 Duluth, MN 38.21 116 136 126 146 Erie, PA 37.91 126 137 154 147 Springfield, MA 37.88 115 162 62 148 Hickory, NC 37.71 93 140 194 149 Tampa, FL 37.66 102 174 77 150 Albuquerque, NM 37.59 146 157 65 151 Gainesville, FL 37.58 178 182 3 152 Huntington, WV 37.41 88 161 159 153 Toledo, OH 37.11 168 144 82 154 Scranton, PA 37.05 109 156 143 155 Jackson, MS 36.89 175 148 76 156 Amarillo, TX 36.78 142 149 176 157 Kingsport, TN 36.67 158 133 190 158 Springfield, MO 36.65 164 129 165 159 Youngstown, OH 36.63 78 158 188 160 Houston, TX 35.66 179 164 52 161 Binghamton, NY 35.66 162 114 124 162 Charleston, WV 34.97 132 168 138 163 San Antonio, TX 34.88 184 152 94 164 Waco, TX 34.80 176 143 170 165 Greensboro, NC 34.68 108 175 148 166 Augusta, GA 34.56 120 176 145 167 New Orleans, LA 34.48 172 181 21 168 Utica, NY 34.17 167 115 155 169 Memphis, TN 34.17 182 160 130 170 Lubbock, TX 33.95 183 166 84 171 Lakeland, FL 33.94 124 173 178 172 Stockton, CA 33.82 156 154 146 173 Riverside, CA 33.53 129 169 121 174 Macon, GA 33.03 163 180 101 175 Spartanburg, SC 32.77 131 177 185 176 Longview, TX 31.85 185 150 191 177 Miami, FL 31.74 157 192 17 178 Baton Rouge, LA 31.69 181 170 136 179 College Station, TX 30.49 193 165 96 180 Tuscaloosa, AL 30.35 165 179 180 181 Clarksville, TN 30.17 189 145 200 182 Mobile, AL 29.95 170 185 113 183 Shreveport, LA 29.22 177 191 78 184 Fayetteville, NC 28.42 187 171 184 185 Fort Smith, AR 27.72 159 186 196 186 Beaumont, TX 27.36 197 151 195 187 Gulfport, MS 27.33 173 183 197 188 Fresno, CA 26.58 188 178 119 189 Corpus Christi, TX 26.09 192 189 102 190 Modesto, CA 26.05 169 190 147 191 Visalia, CA 25.28 196 163 166 192 Columbus, GA 24.08 160 193 192 193 Lafayette, LA 23.64 180 196 109 194 Bakersfield, CA 21.84 190 188 186 195 Merced, CA 18.10 191 194 187 196 Yakima, WA 17.32 195 195 164 197 El Paso, TX 8.56 194 198 118 198 McAllen, TX 3.30 200 197 132 199 Brownsville, TX 2.10 198 199 140 200 Laredo, TX -3.32 199 200 172

Tips for a Happy Retirement

You’ve worked hard, now it’s time to enjoy yourself! These smart strategies can help you find happiness in retirement.

•   Create a budget. You may have fewer expenses when you’re retired, but you’ll still need a roadmap for managing them. This is where retirement planning and a budget come in handy. If you are already retired, create a budget that works well for your retirement income. If retirement is still in the future, map out a plan to see how much you’ll need to save to be properly prepared.

•   Keep tabs on your retirement savings. Don’t forget to check on your retirement savings regularly to ensure that you’re on track financially. And, of course, make sure you have retirement savings accounts like a 401(k) or a traditional or Roth IRA to help you reach your goal.

Don’t yet have a retirement account? Learn how to set up your own retirement account.

•   Prioritize health and wellness. To be at your best, strongest, and happiest in retirement, prioritize your physical and mental health with regular exercise, a balanced diet, and lots of social interaction.

•   Pursue your passions. Don’t let retirement slow you down. You can pursue your favorite hobbies, work on fulfilling and meeting your top ambitions and challenges, and do the activities you’ve always wanted to try now that you have the time and freedom for them. When choosing among the best retirement cities, be sure to look for places that cater to your interests.

Methodology

To find the happiest cities for people to retire in the U.S., we looked at the 200 largest metropolitan statistical areas (MSAs) based on the U.S. Census Bureau’s 2022 population estimates for 13 ranking factors across three categories (Social, Finance, and Health).

We graded each factor on a 100-point scale, where 100 was the highest possible score. Each factor was weighted differently.

Socioeconomic Score Factors

•   Community well-being

•   Social well-being

•   Comfort index*

•   Percentage of population age 65 and over

•   Percentage of art, recreation, and entertainment businesses

Financial Score Factors

•   Housing & transportation

•   Cost of living index*

•   Median household income

•   Percentage of people aged 65 and over living below poverty level

•   Tax burden**

Health Score Factors

•   Healthcare access

•   Life expectancy

•   Walk Score*

*Data represents city proper data (excluding surrounding metro).
**Data represents state level data.

Sources: U.S Census Bureau, Sharecare Community Well-Being Index, Walk Score, Tax Foundation, County Health Rankings & Roadmaps, Sperling’s Best Places.

The Takeaway

When you’re ready to retire, choosing where to settle down is a big and important decision. Exploring our list of top 20 happiest places is a great place to start. You can look for cities that offer affordability, good access to healthcare, entertainment and cultural activities, and opportunities for making social and community connections.

And to ensure that your retirement is as happy and stress-free as possible, you’ll want to have your retirement savings in order. Contributing to your 401(k) or IRA can help you build the retirement nest egg you’ll need.

Ready to invest in your goals? It’s easy to get started when you open an investment account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).

Invest with as little as $5 with a SoFi Active Investing account.

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 Invest®
SoFi Invest refers to the two investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“SoFi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA(www.finra.org)/SIPC(www.sipc.org). Clearing and custody of all securities are provided by APEX Clearing Corporation.

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit SoFi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A.

SOIN1123001

Source: sofi.com

Apache is functioning normally

The first workday in January after the holidays hits a little bit differently: The parties are over, debt payments are soon due and it can feel like there’s nothing to look forward to.

You may be able to minimize the doldrums with some planning and other steps to turn things around, financial experts say.

“Financial stress can be temporary,” says Tonya Rapley, financial educator and founder of the millennial money and lifestyle blog My Fab Finance. She suggests focusing on small steps such as paying this month’s bills, then reminding yourself that you can recover from December’s overspending.

Here are a few more ways to fight this month’s financial downers:

Make or update a budget

The new year is a great time to create or update a budget, which can give you back a sense of control, says Mike Croxson, CEO of the National Foundation for Credit Counseling, a nonprofit financial coaching organization.

The popular 50/30/20 budget, for example, suggests putting 50% of your take-home income toward needs, 30% toward wants and 20% toward savings and debt paydown. You can adjust those percentages as needed, especially if you live in an urban area with high housing costs.

“The best way to get control back is to make a plan,” Croxson says. “You can get back on top of this and back to where you feel good about your finances.”

Pay off debt

With interest rates higher than they were a couple of years ago, credit card debt is also more expensive, which makes paying it off a financial priority. How exactly you do that is up to you, Croxson says.

“Paying off the highest interest rate balance first makes the most common sense, but for some people, paying off the smallest dollar amount first is most important because they feel like they accomplished something,” Croxson says. Small wins can give you momentum to continue.

Online calculators for those two methods, known as the avalanche and the snowball, respectively, can help you stay on track.

Track your payments carefully

If you purchased holiday gifts using “buy now, pay later,” which allows shoppers to split payments into multiple installments, then it’s important to note when those bills are due, says Christine Alemany, chief marketing officer for i2c, a global banking and payments platform.

Alemany suggests tracking your buy now, pay later due dates with a financial management tool or spreadsheet to avoid late fees or interest charges. “The variety of payment methods that consumers now have gives them the option to choose what’s best for them,” she says, but “that convenience needs to be balanced by discipline.”

Build up savings

Amid all of that repayment, it’s also important to find a way to save money, Croxson says. “Having a savings line item in your budget is a critical step for virtually every consumer, even if it’s $20 or $25 a month,” he says. “There will be an emergency, and you will need it.” Being able to turn to savings in the future also helps you avoid building up debt again, he adds.

The good news for Americans is that positive signs in the economy, such as a slower rate of inflation and lower gas prices, means it’s a little easier to find room for savings, according to Alan Gin, associate professor of economics at the University of San Diego’s Knauss School of Business.

With gas prices coming down, Gin says, “not only will consumers be more confident, but they will have more money.”

Know your rights

If an expensive item you bought or received as a gift in December breaks in January, that’s another potential downer, which is why knowing your refund rights is critical, says Wayne Hassay, partner attorney for LegalShield, a legal services provider. He suggests keeping track of all paperwork related to the item and any warranty attached whenever you make a big-ticket purchase.

In some cases, paying with a credit card can give you additional protections, he adds. And if your pricey new electronics break, don’t hesitate to follow up with the retailer or brand until you get a satisfactory response, which could be a refund or a new product.

Get help if you need it

Working to pay off debt and get back on budget in January can feel lonely because it’s such a solo activity, which is why it’s helpful to reach out for additional support, whether that’s from financial professionals or friends and family.

“Be honest with people,” Rapley says. She suggests sharing in a friend group chat if you are looking to scale back and spend less, because you’ll likely find encouragement that can help you stay on track. “That communication is definitely important,” she says, and can help you feel less alone — and with more good things to anticipate in the year ahead.

This article was written by NerdWallet and was originally published by The Associated Press. 

Source: nerdwallet.com