United Airlines is offering passengers affected by the weeklong delays and cancellations 30,000 frequent flyer miles following a bumpy recovery and a string of bad publicity.
“I know this week was hard,” United wrote in an email from Chief Customer Officer Linda Jojo on Saturday to impacted passengers, and obtained by TPG. “Really bad weather, air traffic control issues and some of our own operational challenges led to a rough experience for you and many of our customers.”
Severe thunderstorms spurred widespread travel disruptions last weekend, however, United fared far worse than the other U.S. airlines, as it led in cancellations and delays in the days following the inclement weather.
As a result of the thousands of cancellations and delays United reported within the week, thousands of travelers were left stranded in airports across the country, scrambling for backup flights ahead of July 4, reported to be one of the busiest travel weekends on record.
According to United, the email was sent to customers with trips between June 24-30, and who were delayed overnight or had their flights canceled.
United told TPG via email, “Customers will get a follow-up email later next week with simple steps to automatically add 30,000 miles to their account (existing MileagePlus members will have one path, non-MP members will be given instructions on how to sign up and receive their miles).”
United initially blamed the Federal Aviation Administration for the disruptions, but the carrier also faced staffing issues, with its chapter of the Association of Flight Attendants-CWA reporting long wait times for scheduling.
To add fuel to the fire, Kirby also chartered a private jet from Teterboro Airport to Denver as the Chicago-based carrier struggled to restore its operations. United said it did not pay for Kirby’s flight.
Kirby apologized for flying on a private jet as United faced operational woes in a memo sent to staff.
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“Taking a private jet was the wrong decision because it was insensitive to our customers waiting to get home,” he wrote.
As of Saturday afternoon, United seemed to be on the road to recovery, tallying 523 delays and 56 cancellations, according to FlightAware. Still, 19% of its flights on Saturday were delayed as of 4:48 p.m. ET with most of those delays again coming from its Newark hub.
“Providing these miles is the right thing to do,” Kirby wrote in the email to passengers. “After all, you put your trust in us and expect more.” Customers will receive a follow-up email with how to claim the miles.
United told TPG, “This gesture is in addition to the many other ways we’ve been helping our customers whose travel has been impacted this week, including things like: providing vouchers for hotels and meals, offering amenity carts with snacks and beverages, and giving customers future travel credits and miles.”
Interestingly, United does not suggest it would reimburse all affected customers for costs incurred during the meltdown as Southwest did after a similar mess during Christmas.
“This has been one of the most operationally challenging weeks I’ve experienced in my entire career,” Kirby wrote to employees in a memo first reported by CNBC.
Are you dreaming of owning a piece of the American Southwest? Arizona, with its vibrant desert landscapes, sunny weather, and diverse cultural attractions, offers an irresistible allure for those seeking a new place to call home. However, before embarking on this exciting journey, it’s essential to understand the homebuying process specific to the Grand Canyon State. From navigating local regulations and financial considerations to finding your perfect abode in a downtown Phoenix condo or a serene house in Gilbert, this Redfin article will serve as your comprehensive guide to buying a house in Arizona.
So, fasten your seatbelts as we explore the steps, intricacies, and tips to make your Arizona homebuying experience smooth and successful.
What’s it like to live in Arizona?
With its year-round sunshine and warm climate, Arizonans enjoy an outdoor-centric lifestyle by hiking, golfing, and exploring the vast desert landscapes. The state is also home to several renowned national parks and monuments, including the breathtaking Grand Canyon and the stunning red rocks of Sedona, providing endless opportunities for adventure and exploration. Arizona is also known for its intense summer heat, and protecting yourself and your property when living there is essential. Check out this article to learn more about the pros and cons of living in Arizona.
Arizona housing market insights
The Arizona housing market is experiencing some notable trends and shifts. The median sale price currently stands at $436,100, showing a 6.2% decrease compared to the previous year. Several cities in Arizona have emerged as competitive real estate markets, including Pinetop, Flagstaff, and Cottonwood. Popular cities in the Phoenix area, such as Scottsdale, Chandler, and Gilbert, are also witnessing significant growth and attracting prospective homebuyers. However, the housing supply in Arizona has decreased by 4.7% year-over-year, indicating a tightening market. These data points suggest a dynamic and evolving housing market in Arizona, with fluctuating prices, competitive cities, and limited supply, all of which have implications for buyers.
Finding your perfect location in Arizona
For several reasons, selecting the perfect location for buying a house in Arizona is vital. First and foremost, Arizona offers diverse landscapes and communities, each with its unique charm and amenities. By carefully considering your desired location, you can align your lifestyle preferences with the area’s offerings. Additionally, the location of your home greatly impacts factors such as commuting time, access to essential services, quality of schools, proximity to recreational opportunities, and potential appreciation of property value over time.
If you’re unsure where to start, using tools like a cost of living calculator can help you determine what cities are within your budget. We’ve put together a glimpse of the five popular cities, so you can get an idea.
#1: Tucson, AZ
Median home price: $330,000 Tucson, AZ homes for sale
Moving to Tucson offers a unique and vibrant experience that blends desert beauty, cultural richness, and a relaxed atmosphere. Outdoor enthusiasts can delve into the picturesque trails of Saguaro National Park, embark on invigorating hikes or bike rides in the nearby Catalina Mountains, or indulge in a round of golf on world-class courses. Embracing its rich cultural heritage, Tucson boasts a thriving arts scene featuring captivating museums, art galleries, and the renowned Tucson Gem and Mineral Show. While the cost of living in Tucson exceeds the national average by 4%, there are affordable Tucson suburbs, ensuring a balance between cost-effectiveness and access to the city’s attractions.
#2: Mesa, AZ
Median home price: $440,000 Mesa, AZ homes for sale
As the third-largest city in Arizona, Mesa is known for its suburban neighborhoods, well-maintained parks, and outdoor activities. Moving to Mesa, you’ll enjoy over 300 days of sunshine each year, making it ideal for outdoor enthusiasts. Explore the nearby Superstition Mountains, go hiking or biking in Usery Mountain Regional Park, or enjoy water sports at the nearby Saguaro Lake. Mesa also offers a rich cultural scene, with attractions such as the Mesa Arts Center, which hosts a variety of performances, exhibits, and festivals throughout the year.
#3: Phoenix, AZ
Median home price: $439,950 Phoenix, AZ homes for sale
Known as the Valley of the Sun, Phoenix is a bustling metropolis with a thriving economy, vibrant culture, and many amenities. With a move to Phoenix, residents can enjoy an abundance of sunshine throughout the year, allowing for a wide range of outdoor activities such as hiking, golfing, and exploring the scenic desert landscapes. Phoenix is home to major sports teams, including the Phoenix Suns and the Arizona Diamondbacks, offering exciting opportunities for sports enthusiasts. Additionally, if you’re looking for affordable Phoenix suburbs, several options provide a more budget-friendly housing market while offering access to the city’s amenities.
#4: Flagstaff, AZ
Median home price: $645,000 Flagstaff, AZ homes for sale
Flagstaff enjoys all four seasons, attracting residents who revel in the mesmerizing hues of autumn, the snowy winters that offer thrilling skiing and snowboarding opportunities at Arizona Snowbowl, and the mild summers perfect for hiking and camping. If you’re a lover of stars, moving to Flagstaff will grant you the chance to experience the Lowell Observatory, where residents can delve into the wonders of the night sky. It’s worth noting that the cost of living in Flagstaff is 14% higher than the National Average. Still, the city’s unique offerings and natural beauty make it a worthwhile investment for those seeking an exceptional living experience.
#5: Scottsdale, AZ
Median home price: $830,000 Scottsdale, AZ homes for sale
Scottsdale is renowned for its world-class resorts, spas, and golf courses, attracting visitors and residents seeking relaxation and indulgence. Scottsdale’s Old Town showcases a charming blend of historic charm and modern sophistication with its trendy boutiques, art galleries, and renowned dining establishments. Moving to Scottsdale can be expensive, with the cost of living exceeding the national average by 13%. If you want to stay on a budget, there are affordable suburbs outside downtown.
The homebuying process in Arizona
If the allure of Arizona has swept you away, and you have your heart set on a specific city or neighborhood, it’s time to dive into the homebuying process.
1. Prioritize your finances
Getting your finances in order is crucial when buying a house in Arizona. You can position yourself for a smooth and successful homebuying journey with careful financial planning and preparation. Start by assessing your credit score and addressing any issues to ensure you qualify for favorable loan terms. Next, determine your budget and calculate how much you can comfortably afford, considering factors like down payment, closing costs, and monthly mortgage payments. Using tools like an affordability calculator can help you determine your budget.
Various programs are available for first-time homebuyers in Arizona, including the Pathway to Purchase, which can assist with up to $20,000 in down payment and closing cost assistance.
2. Get pre-approved from a lender
Securing a pre-approval when buying a home in Arizona can provide numerous advantages. By obtaining pre-approval from a reputable lender, you clearly understand your financial standing and borrowing capacity. This knowledge empowers you to set a realistic budget, ensuring you focus on homes within your price range. Pre-approval also enhances your credibility as a buyer, demonstrating to sellers that you are serious and financially qualified.
3. Connect with a local agent in Arizona
Working with a local agent during the homebuying process in Arizona is of utmost importance. Local agents possess invaluable knowledge and expertise specific to the Arizona real estate market, which can significantly benefit buyers. They are well-versed in the intricacies of different neighborhoods, market trends, and pricing dynamics across the state. So whether you need a real estate agent in Tucson or an agent in Phoenix, they’re here to help.
4. Start touring homes
When touring homes in Arizona, keep a discerning eye and consider key factors that can influence your decision. First, pay attention to the home’s location and neighborhood. Consider proximity to schools, amenities, and commute times to ensure it aligns with your lifestyle. Assess the property’s condition, checking for any signs of wear, structural issues, or potential maintenance needs. Look for natural lighting, functional layouts, and ample storage space that meet your requirements.
5. Make the offer
The offer is a critical aspect of the homebuying process in Arizona, carrying significant weight in determining whether your dream home becomes a reality. Crafting a strong offer is essential to stand out in a competitive market. Consider the listing price, property condition, and local market trends to determine a fair and competitive offer. Your offer should include the purchase price, contingencies, and desired timelines for inspections, financing, and closing.
6. Close on the house
The closing process is a pivotal moment in the homebuying process in Arizona, where all the necessary paperwork is finalized, and ownership of the property is transferred. It’s a critical step that requires careful attention to detail and a thorough review of the closing documents. During the closing, you will sign various legal documents, including the mortgage, deed, and other necessary paperwork. It’s essential to carefully review and understand these documents before signing to ensure you know the terms and obligations.
If you’re new to the process and still have questions, Redfin is here to help. The First-Time Homebuyer Guide goes into more detail about each step in the homebuying process.
Factors to consider when buying a house in Arizona
Due to Arizona’s geographical location, there are distinct factors to consider when buying a home.
Climate and weather
When buying a house in Arizona, it is crucial to consider the climate and weather, as well as the impact climate change is having in the state. Arizona offers a diverse range of climates, with hot summers exceeding 100 degrees Fahrenheit (38 degrees Celsius) in desert areas like Phoenix and Tucson. These cities are also known for their mild and pleasant winters, attracting snowbirds and retired individuals seeking warmer temperatures. On the other hand, the northern parts of the state, including Flagstaff and Sedona, provide a cooler and more moderate climate, with snowy winters and comfortable summers. Homebuyers must take into account their preferences and tolerance for extreme heat or cold when selecting a location within Arizona.
Additionally, the state’s unique desert climate presents both advantages and challenges. Efficient cooling systems and proper insulation are necessary to combat the intense summer heat, while the dry weather increases the risk of drought and wildfires, prompting homeowners to consider shade availability, outdoor living spaces, and landscaping options to mitigate the sun’s impact.
Dual agency
Arizona allows for dual agency in real estate transactions, which refers to a real estate agent representing both the buyer and the seller in the same transaction. In dual agency, the agent acts as a neutral intermediary, facilitating the transaction and ensuring a fair process for both parties. However, it’s important to note that dual agency requires all parties’ informed consent.
Buying a house in Arizona: Bottom line
Navigating the homebuying process in Arizona requires careful consideration and strategic decision-making. From understanding the importance of location to getting finances in order, securing pre-approval, and working with local agents, each step plays a vital role in achieving a successful and satisfying home purchase. By being well-informed, proactive, and adaptable, homebuyers can confidently navigate the Arizona real estate landscape and find their perfect place to call home in this beautiful southwestern state.
Buying a house in Arizona FAQ
What are the requirements for buying a home in Arizona?
To start it off, a down payment is necessary, although the specific amount can vary depending on factors such as the loan type and lender requirements. A good credit score is also crucial, with a minimum score of around 620 often preferred for conventional loans. Income and employment verification is required to demonstrate the ability to repay the mortgage. Lenders assess the debt-to-income ratio to ensure borrowers can manage their monthly payments. It is advisable to conduct a property appraisal and home inspection to determine the value and condition of the property.
What is a typical down payment on a house in Arizona?
A typical down payment on a house in Arizona can vary depending on various factors. Generally, it ranges from 3% to 20% of the purchase price. The percentage often depends on the loan type, lender requirements, and the borrower’s financial situation. For conventional loans, a down payment of around 20% is ideal for avoiding private mortgage insurance (PMI). However, options are available for lower down payment percentages, such as 3% or 5%, particularly for first-time homebuyers or through government-backed loan programs like FHA loans.
What credit score do I need to buy a house in Arizona?
When buying a house in Arizona, the credit score requirement can vary depending on the type of loan and the lender’s criteria. Generally, a good credit score is preferred to qualify for favorable mortgage terms. A minimum credit score of around 620 or higher is typically required for conventional loans. However, loan programs, such as FHA loans, offer more flexibility and can accommodate borrowers with lower credit scores, sometimes as low as 580. It’s important to note that a higher credit score generally improves your chances of securing a mortgage with competitive interest rates and favorable terms.
With the news this month that the housing market hit a milestone by showing the first year-over-year price decline in recent memory, homeowners who’d considered finally selling their home this year are finding themselves discouraged yet again.
What happened, they might wonder, to the not-so-distant glory days of frantic bidding wars and over-ask offers? Plenty of frustrated owners seem worried that the window for a fast and lucrative home sale might be shutting fast.
But here’s the reality: The U.S. housing market is no monolith. Although it’s true that many of the hottest markets of the past few years have seen prices fall in the wake of higher mortgage interest rates that broadly dampened home shoppers’ buying power, there are still cities where buyers continue to snatch up homes quickly and where sellers are getting their full asking price—or more.
This is why the Realtor.com® data team dug in to find the U.S. real estate markets that most favor sellers. (Sorry, buyers!)
The best places for sellers generally have persistently low housing inventory, strong demand from buyers, and often—but not always—lower prices that have room to swell. These are generally affordable metropolitan areas in the Northeast with a few in the Midwest.
Three of the metros on our list—Hartford, CT, Worcester, MA, and Providence, RI—are so close, you could tour homes in all of them in a single day. Our ranking also has one spot in the South and a somewhat bizarre outlier in California—more on that later.
To figure out if an area is a buyer’s or seller’s market, Pamela Ermen likes to track the change in the number of closed sales per month, compared with the change in the number of new listings per month.
“When sales are going up and inventory is going down, that’s a real seller’s market,” says Ermen, a Virginia Beach–based Realtor® at Re/Max and a speaker and coach at Real Estate Guidance.
Still, sellers who focus solely on low inventory can wrongly conclude that they can list their home at a higher price than an agent might advise. That can lead to their property languishing on the market not receiving strong offers. Meanwhile, buyers who focus only on the number of sales going down might wrongly think there’s less competition. That might result in heartache when they find out the hard way that many homes are still getting multiple offers.
To find true seller-friendly places, the Realtor.com data team looked at the May 2023 listing data for the 100 largest metropolitan areas. Then we ranked each based on the number of days that the median listing is on the market, combined with the portion of listings that have had the price reduced. These metrics tell us where homes are selling faster than average and with fewer sellers having to reduce their price to make the sale.
We selected just one metro area per state to ensure geographical diversity. (Metros include the main city and surrounding towns, suburbs, and smaller urban areas.)
Here’s where sellers can expect the market to be most tilted in their favor this summer.
Median list price: $265,000 Median days on the market: 13 Listings with a price reduction: 1 in 17
Rochester, on the western edge of New York along the southern shore of Lake Ontario, not only is at the top of our seller’s saviors list—it’s also in a class of its own. Rochester had both the lowest number of days on the market and the lowest portion of listings with a price reduction. But this is nothing new for the so-called Flower City.
The metro area has become a mainstay of the Realtor.com hottest real estate markets list. It’s also where sellers are usually still getting their asking price, and where buyers can find one of the largest selections of homes for less than $200,000. Plus, home prices are well below the national median list price of $441,500 in May.
These affordable homes have made the area appealing to locals, out-of-towners, and investors.
“If you’re priced right in our market, you can expect to still sell in about one week,” says Jenna May, a local real estate agent at Keller Williams Realty.
When the market was at its pandemic peak in 2022, and even before anyone had heard of COVID-19, Rochester was still leading the nation in the low number of days on the market. Demand here for homes is high and seems destined to stay that way.
“There are people who are offering $80,000 over listing price and not getting the home,” says May. “It’s that competitive.”
Median list price: $424,925 Median days on the market: 19 Listings with a price reduction: 1 in 14
The capital city of Connecticut is also no stranger to the Realtor.com list of the nation’s hottest real estate markets. Hartford is the largest population hub in the state, with 1.2 million residents.
It also boasts home prices that are about 5% below the national median.
“The Northeast has been well undervalued compared with other markets—and not just for years, but for decades,” says Lisa Barrall-Matt, a senior broker at Berkshire Hathaway in West Hartford.
Homes in the Hartford area have been priced $100,000 less than comparable homes in other markets, Barrall-Matt says, for so long that she began to take it for granted.
Now, she’s feeling vindicated: “I used to say, ‘Why aren’t prices higher?’ Now I’m saying, ‘Where’s the ceiling?’”
Median list price: $622,500 Median days on the market: 24 Listings with a price reduction: 1 in 13
Portland became a popular pandemic destination for Northeasterners looking for a scenic, coastal city with some great restaurants, entertainment, and a brewery scene. The area has a rich history, having a Native American presence dating more than 10,000 years before becoming an early Colonial settlement.
The above-average prices in this artsy city on Casco Bay aren’t keeping sellers from enjoying quick sales. In fact, few listings are getting marked down. The demand for housing here is just so strong. Portland has been featured on our list of the best places to retire in 2022, and it has one of the last year’s hottest neighborhoods: Windham, just on the northwestern edge of Portland proper.
Prices in Portland have grown significantly faster during the pandemic—from May 2019 to now—than they did in most of the country. Where prices rose about 40% nationally, prices in Portland have grown by about 62%. Just since this time last year, prices rose 17%.
A newer four-bedroom home in South Portland that’s within walking distance of Fore River is listed for $650,000, close to the area average.
Median list price: $517,450 Median days on the market: 19 Listings with a price reduction: 1 in 10
Worcester, about 40 miles west of Boston, was nicknamed the “Heart of the Commonwealth” because of its central location in Massachusetts.
This medium-sized metro has a name that’s fun to say, like “rooster” but with a W. But it simply doesn’t have enough homes to match the high interest from potential buyers, according to Nick McNeil, a local Realtor with the Lux Group.
“The amount of demand and the absolute lack of inventory is nuts,” he says. “And there’s not much room for new construction in this area, with tight regulations on what can be built.”
Until there’s some kind of change in the supply and demand dynamic in the area, McNeil says, it’s going to be hard for buyers, and relatively easy for sellers—as long as they’re not also trying to buy.
“The best situation you can be in is if you can sell now,” he says.
Median list price: $384,250 Median days on the market: 25 Listings with a price reduction: 1 in 10
Amid the rolling hills of Eastern Pennsylvania’s Lehigh Valley, about 60 miles northwest of Philadelphia, Allentown has a few things going for sellers right now. The portion of homes with a price reduction is about half the national average, and homes are selling about 40% faster.
Like some other places on this list, the homes in this historic steel town are priced below the national average. But local incomes are a bit higher than average, offering buyers more affordability. That’s helping the real estate market to remain competitive as buyers seek out deals.
Allentown offers a mix of urban, suburban, and rural lifestyles, making it broadly attractive for buyers.
What’s especially notable about the area is the price growth over the past several years. Allentown metro prices have risen by 78% since before the pandemic, ahead of all the other places on this list.
For about the local median price in Allentown, buyers can find a five-bedroom bungalow in the Hamilton Park neighborhood west of downtown Allentown.
Median list price: $374,950 Median days on the market: 29 Listings with a price reduction: 1 in 11
Perched on the western shore of Lake Michigan in southeastern Wisconsin, Milwaukee is known for its breweries, including Miller and Pabst. It’s also where Harley-Davidson was founded. And it’s been a staple of housing affordability for some time.
However, prices have been rising in Milwaukee’s metro area: They rose by around 11% compared with this time last year.
The median number of days on the market is below the average now, just like it was before the pandemic. The same goes for the portion of listings with a price reduction. This is all very good news for home sellers hoping for a quick, profitable sale.
For $375,000, a buyer can get a large, four-bedroom home just 5 minutes from hiking trails, a golf course, and a dog park, all along the shoreline.
Median list price: $386,973 Median days on the market: 29 Listings with a price reduction: 1 in 9
The Virginia Beach metro area, a popular vacation spot for beach, maritime history, and seafood lovers, is another place where incomes are higher than average and home prices are lower.
Last year, sellers could count on getting multiple offers, usually leading to potential buyers bidding up the price, says Virginia Beach–based Realtor Ermen. Now, it’s not as easy to figure out that pricing sweet spot. If the home is listed too high, that’s when there’s eventually pressure to reduce the price.
In the month of May, even with a low number of price reductions, Erman says, “90% of price reductions were made before the listing hit the average time on market.”
That indicates sellers are getting antsy, and probably would have been better off pricing the home lower to begin with. But homes that are priced to sell are still moving briskly.
Median list price: $1,530,000 Median days on the market: 25 Listings with a price reduction: 1 in 9
San Jose is the oddball on this list.
Nestled in the heart of Silicon Valley, it is one of the most expensive real estate markets in the nation. Homes in this San Francisco Bay Area hot spot cost more than triple the national average, which means real estate attracts a very specific buyer.
Because San Jose is a global technology hub, its population is very diverse, and not just racially or ethnically. Roughly 40% of residents were born outside of the U.S., according to the U.S. Census Bureau. Most significantly, many residents have tons of money to spend, whether they’re high-salaried tech employees or they have had an entrepreneurial startup windfall.
Local real estate agents will tell you that San Jose is simply insulated from many of the market dynamics because the clientele is so wealthy. If they’re making an all-cash purchase, they don’t have to worry about higher mortgage rates. And that’s a big boon for sellers.
Median list price: $539,950 Median days on the market: 31 Listings with a price reduction: 1 in 10
Providence, home to Brown University and the Rhode Island School of Design, is a bustling town filled with older homes. About 50 miles southwest of Boston, it’s one of the medium-sized, Northeastern metros on our list that are enjoying especially strong housing markets right now.
Providence prices are significantly above the national average, but compared with nearby Boston, where the median list price is north of $850,000, Providence is a downright bargain.
Plus, it’s got a lot going for it. It boasts beautiful scenery along the Seekonk River, a thriving arts scene, and good jobs. The headquarters for CVS is located in nearby Woonsocket.
In Providence, for $550,000, a little above the local average, buyers can find a midcentury two-bedroom home with classic brick construction about 15 minutes from downtown.
Median list price: $229,950 Median days on the market: 31 Listings with a price reduction: 1 in 9
Home prices in this Rust Belt city, which has struggled in more recent years, are still dramatically lower than the national average—about 45% less expensive. And with the focus of buyers on affordability, it’s no wonder that Toledo has taken off.
In the past year, median list prices in Toledo have risen by 25% (10% per square foot), which is quite a bit higher than before the pandemic.
For less than the median list price in Toledo, buyers can get a massive, six-bedroom home in Toledo’s Old West End neighborhood, just northwest of downtown.
Today we’ll take a good look at Citywide Home Loans, a Utah-based direct-to-consumer mortgage lender whose motto is “Your Mortgage Matters.”
Aside from your home loan mattering, they also say they “don’t take any loans for granted,” meaning customer service seems to be paramount at the firm.
The company began as a small brokerage consisting of just five employees back in 1998, and today has more than 800 employees across 55 branches nationwide.
In late 2018, Stearns Lending, LLC, agreed to acquire an equity interest in Citywide Home Loans to leverage their industry-leading technology and capital markets expertise.
So they’ve got a big name behind them, which could spell growth in the years to come.
Citywide Home Loans Quick Facts
Retail nonbank mortgage lender located in Sandy, Utah
Founded on December 7th, 1998 by Steven J. Goorman
Originated roughly $2.5 billion in home loans during 2019
About half of their business came from their home state of Utah
Employ nearly 800 workers with branch locations in 10 states including Hawaii
Licensed to do business in 37 states
Citywide Home Loans is still led by their founder Steven J. Goorman, despite growing into a national mortgage lender with a presence in 37 states.
Last year, the mortgage company did roughly $2.5 billion in home loans via its retail platform, with nearly half of its volume in its home state of Utah.
In other words, if you reside in Utah, you’ve likely heard of Citywide Home Loans, and there’s a decent chance they closed your loan too.
They also do quite a bit of lending in Arizona, California, Colorado, and Nevada, so it’s clear their footprint is the Southwest and West Coast.
Much of their business in 2019 was tied to home purchase loans, covering about 72% of total volume. The remainder was split between rate and term refis, cash out refis, and HELOCs.
About two-thirds of their loan volume was conventional loans, with 20% FHA loans and the rest mixed between jumbos, VA loans, and so on.
Aside from being a retail mortgage lender, they also form joint ventures with home builders, and partnerships with independent mortgage bankers and mortgage brokers via their correspondent lending channel.
How to Apply with Citywide Home Loans
Can apply via their website or free smartphone app
They offer a digital mortgage experience known as Citywide Digital Customer
Those referred to a specific loan officer can get started right away
Otherwise you can send their online mortgage team a message and you’ll be matched up
To get started, you simply click on the “Apply Now” button on their website, at which point you’ll be asked if you’re working with a loan officer.
If you are, they’ll ask you to locate that individual using their loan officer directory. You can search by loan officer name, state, or select an office.
Those who haven’t been referred will be prompted to fill out a short form on their website, at which point someone from the online mortgage team will call you right away to match you up with a loan officer.
Once you create an account, you can apply for a home loan via their website or smartphone app using their digital process known as “Citywide Digital Customer.”
It allows you to take photos with your phone and then upload key documents, link financial accounts, and check your loan details at any time.
They provide you with a To-Do list so you can knock out your loan conditions with ease, the ability to eSign documents and disclosures, check loan status, and message your loan originator or loan processor if you have questions along the way.
You’re also able to view your tentative closing date via the smartphone app or loan portal.
All in all, they aim to make applying for a mortgage easy and mostly paperless.
Mortgage Programs Offered by Citywide Home Loans
Conventional home loans backed by Fannie/Freddie
Government loans: FHA, USDA, and VA
Home renovation loans and construction loans
Jumbo home loans
State bond loans and down payment assistance
Piggyback loans
Interest-only loans
Reverse mortgages
One great thing about Citywide Home Loans is the breadth of their loan program offerings.
They offer home purchase loans, refinance loans (rate and term and cash out), construction loans, and renovation loans (Fannie Mae HomeStyle or FHA 203k).
You can get anything from an interest-only home loan to a VA loan to a jumbo loan or even a reverse mortgage (HECM).
And of course, they’ve got conventional loans backed by Fannie Mae and Freddie Mac, along with FHA loans and USDA loans.
They’ve also got loan programs geared toward first-time home buyers, including state bond loans that allow for 100% financing, and a piggyback mortgage that helps borrowers avoid costly PMI.
With regard to loan type, you can get a fixed-rate mortgage with the term of your choice, or an adjustable-rate mortgage, such as a 5/1 ARM.
Ultimately, you shouldn’t be limited when it comes to loan choice with Citywide Home Loans.
Citywide Home Loans Mortgage Rates
At this time, Citywide Home Loans does not advertise mortgage rates on its website. As such, we can’t give you any information regarding pricing.
The same goes for any lender fees, such as a loan origination fee, the company may charge.
This is quite common, as many lenders choose to keep their rates and pricing private, and instead focus on customer service.
That doesn’t mean their interest rates aren’t low, it’s just that they don’t lead with them like some other lenders.
Be sure to gather quotes from multiple mortgage lenders to compare pricing to Citywide Home Loans to see where they stand.
While pricing isn’t everything, your mortgage could be with you for years to come, so it can make a big impact.
Citywide Home Loans Reviews
They’ve got the most customer reviews over at Trustpilot, where they enjoy a 4.8-star rating out of 5 based on nearly 3,500 reviews.
Citywide Home Loans is currently ranked third out of 14 mortgage lenders on Trustpilot based on their TrustScore, behind Gateway Mortgage and Accurate Mortgage Group.
On Zillow, they have a stellar 4.96-star rating out of 5, with some 1,250 reviews at last count.
The majority of reviews I saw indicated that both the mortgage rate and closing costs were lower than expected, which is a great sign.
Those looking to dig a little deeper can click on individual loan officer’s names to see all their customer reviews for a more complete picture.
While they are not accredited with the Better Business Bureau, they do have an A+ BBB rating based on transparency and customer complaint history.
Overall, they are a highly-rated mortgage lender on all the major review sites.
Citywide Home Loans Pros and Cons
The Good Stuff
Can apply for a home loan directly from their website or app
Last Friday I arrived home from New York City after a week of Broadway, museums, twinkling holiday lights, and more cannoli than any one person should consume. (Thankfully, I spent plenty of time walking them off!) Visiting the city in December was on my life list of things I wanted to do, and it didn’t disappoint.
Of course, New York City isn’t inexpensive. But my husband and I stayed with a friend, which meant we didn’t have to pay for a hotel room, and we lucked into a few deals. For example, our friend used his corporate discount to get reduced-price tickets to The Metropolitan Museum of Art, and we scored $25 tickets for front-row seats to Wicked through a lottery drawing held two hours before the show. I’d also prepared myself to expect higher prices so that I could relax a little and enjoy the first big vacation we’ve taken in almost three years. I can say in all honesty that every expense was worth it — especially the cannoli.
But want to know what travel expenses are not worth it? The new fees airlines charge for everything imaginable! Need to check two bags? That’ll be $60. Want a pillow? That’s $7, and we only take credit cards.
Luckily, we avoided paying these fees because we have the incredible willpower it takes to pass on airplane food — delicious as it is — and we only packed one carry-on each. But while writing this article, I learned that if we had been on Spirit Airlines, we would have paid $60 extra for two carry-on bags. And I learned that not all of these new fees are disclosed upfront.
Sneaky fees or a buffet of services? Airlines say the extra fees keep overall ticket prices low, allowing passengers to only pay for the services they want. But some of these fees pop up at the end of a transaction or while a passenger is checking in luggage, making it feel less like a “menu of services” and more like a mob-style shakedown — an offer you can’t refuse. If you want to catch your flight, that is.
One group working to require fee transparency is Mad as Hell About Hidden Fees (MAH). An initiative of the American Society of Travel Agents, Business Travel Coalition, and Consumer Travel Alliance, MAH started a petition urging the Department of Transportation to “require airlines to make their fees fully and easily accessible to both consumers and intermediaries in the travel industry.”
In a press release, Paul Ruden, Senior Vice President of Legal and Industry Affairs for the American Society of Travel Agents, said:
This issue is not about fees, but about fairness. Although more than half of all airline tickets are booked through traditional or online travel agencies, the airlines have chosen to hide their fees from the systems that power those bookings. Airlines should be able to make a fair profit and set fares and fees that allow them to do so, as long as travelers can see and compare all of those fees in advance.
According to an online survey, two-thirds of travelers have been surprised by add-on fees after arriving at the airport. Another study showed that hidden fees can increase the original ticket price for a typical traveler with a single bag 10% to 82%, or 21% to 153% for a traveler with two bags.
Not all fees are disclosed online Okay, I thought, why not just look up the fees before you book? Turns out it’s difficult, if not impossible, to find all of the fees on an airline’s website. Consumer Travel Alliance put together a video of their attempt to find add-on fee amounts on seven different airline websites:
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Be aware of “gotcha” fees Unfortunately, it’s not always possible to get around the extra fees, but being aware of some of the common ones can help. The following are surprising add-ons to note and avoid:
Booking by phone or in person. Most airlines charge extra when customers don’t book online. US Airways, for example, charges $25 to book a domestic flight on the phone and $35 to book in person.
Credit card “convenience” fee. Think paying online is the way to go, then? Not on Allegiant Air. The airline adds a $14 surcharge to tickets booked through its website, but waives the fee if you buy in person at one of its ticket offices.
Carry-on fee. As mentioned earlier, Spirit charges for carry-ons (anything smaller than 16″ x 14″ x 12″). Downsize, or choose another airline. So far, others haven’t added this fee.
Unaccompanied minor fee. This isn’t a surprise fee, but the amount can be a shock considering that the flight attendant does little more than escort the child to and from the gates. Two unaccompanied minors flying round trip with JetBlue, for example, adds $300 to the base fare.
Ticket change. Southwest is the only airline that doesn’t charge you extra to change your itinerary, all others will charge anywhere from $50 to a whopping $300 (international flight on Continental).
Baggage fees. These are easier to locate on an airline’s website than many of the other fees, so be sure to look them up before you pack. Most airlines charge $15-$25 for the first checked bag. If you try to stuff everything into a carry-on and your bag is just one pound overweight, you’ll probably pay even more: starting at $25 (Hawaiian Airlines) and up to $200 (US Airways). Weigh your carry-on after packing and before heading to the airport, and be sure pack lighter if you plan to bring home souvenirs.
Earlier this year the Department of Transportation announced that it was proposing regulations to protect air travelers against hidden charges, and was accepting public comment through September 23, the date MAH declared as Mad As Hell Day! and submitted its petition. Maybe the day will come when all fees are clearly listed on airline websites, but until then, check out sites like Airfarewatchdog and Expedia for airline fee charts, as well as SmarterTravel.com’s Ultimate Guide to airline fees.
Have you ever been charged a “gotcha” fee by an airline? Share your stories and advice in the comments!
Today we’ll check out SWBC Mortgage, short for Southwest Business Corporation.
They’re a Texas-based direct-to-consumer mortgage lender, which is part of a larger diversified financial services company called, you guessed it, SWBC.
Their claim to fame is being a top company to work for, and they boast that many of their loan officers have made the list of top 1% of mortgage originators in America.
They currently offer home loans in 40 states and the District of Columbia. Let’s learn more about them.
SWBC Mortgage Quick Facts
Direct-to-consumer retail mortgage lender founded in 1988
Headquartered in San Antonio, Texas
Funded nearly $4 billion in home loans during 2019
More than a quarter of total loan volume came from home state of Texas
Have branch locations in many states across the country
Licensed in 40 states and D.C.
All loan processing, underwriting, and closing is done in-house
Last year, SWBC Mortgage originated roughly $4 billion home loans via the retail channel.
They allow prospective home buyers and existing homeowners to apply via their website or a brick-and-mortar branch.
A good chunk of their total loan volume comes from their home state of Texas, and they also do quite a bit of lending in Colorado, Tennessee, and many Southern states.
About two-thirds of total production came from home purchase lending, with about a quarter refinance business and the remainder powered by home equity lending (HELOCs).
At the moment, they don’t appear to provide mortgage lending services in the states of Hawaii, Maine, Massachusetts, Missouri, New York, North Dakota, Rhode Island, South Dakota, Vermont, or Wyoming.
Getting a Home Loan with SWBC Mortgage
You can apply directly from their website in minutes
Digital mortgage application known as TurnKey powered by Blend
Can link financial accounts and/or scan and upload documents securely
They say they’re generally able to close loans in less than 3 weeks
When it comes time to apply for a mortgage, you can do so directly from the SWBC website. They have a digital mortgage application called “TurnKey” powered by fintech company Blend.
As the name suggests, you can quickly get through the application thanks to technology like income and asset validation, which lets you link financial accounts instead of inputting that information manually.
At the same time, you can expect one-on-one customer service from a dedicated loan officer if you need any help along the way.
To that end, you can choose a loan officer to work with before you apply by using the directory on the SWBC Mortgage website.
Simply click on “Find a Pro,” then search by city, state or zip code, or by loan officer name. Once you find a branch, you can see who works in that office.
And once you’ve got your loan officer picked out, you can contact them directly or apply from their own dedicated webpage.
All in all, SWBC Mortgage makes it super easy to apply for a home loan without needless steps and wasted time. But you also get the human touch if and when you want/need it.
Loan Types Offered by SWBC Mortgage
Home purchase and refinance loans
Conforming mortgages backed by Fannie/Freddie
Government-backed loans: FHA, USDA, and VA
Jumbo loans up to $3 million loan amounts
Home renovation loans: Fannie Mae HomeStyle and FHA 203k (Standard and Limited)
Texas Vet Mortgage Loans
SWBC Mortgage offers both home purchase financing and refinance loans, including rate and term and cash out refinances, along with home renovation loans.
You can finance a primary residence, second home, or multi-unit investment property.
They’ve got all the typical loan types, such as conforming loans backed by Fannie Mae and Freddie Mac, as well as government loans like FHA loans, USDA loans, and VA loans, the latter two allowing zero down financing.
They also offer home equity loans by way of HELOCs, so if you want to tap your home equity while leaving your first mortgage intact, you can do so.
It may also be possible to take out a piggyback second mortgage if you want to extend your home purchase financing while avoiding PMI.
If you have a particularly expensive property, they offer jumbo home loan financing as high as $3 million, with some of their jumbos coming with down payment options of just 10%.
They also have options for self-employed borrowers, and low down payment options (3% down) for those with little set aside in the way of assets.
Lastly, because SWBC Mortgage participates in the Veterans Housing Assistance Program (VHAP), they’re able to offer Texas Vet mortgage loans that come with special interest rate discounts.
In terms of loan program, you can get a fixed-rate mortgage, such as a 30-year or 15-year fixed, or an adjustable-rate mortgage, like a 5/1 ARM or 7/1 ARM.
SWBC Mortgage Rates
SBMC does not advertise or disclose its mortgage rates online or elsewhere to my knowledge. If you want to get pricing, you’ll need to apply and/or speak with a loan officer.
As such, it’s unclear how competitive they are relative to other mortgage lenders. The same goes for lender fees, which don’t appear to be posted on their website.
This isn’t necessarily a bad sign, it just means you’ll need to speak to someone to find those things out.
Once you have that important pricing information, you can compare their interest rates and closing costs to other lenders while comparison shopping.
Yes, you should take the time to gather more than one mortgage quote, otherwise you’re doing yourself a disservice.
SWBC Mortgage Reviews
SWBC says it has over 1,000 Google reviews, with an average customer rating of 4.9 out of 5 stars. Those reviews may be spread across their many branch locations, so be sure to filter by location.
Some of their locations are very highly-rated, such as the Oklahoma City branch, which has a 5-star rating out of 5 on Birdeye based on nearly 250 reviews.
You can also see individual SWBC Mortgage loan officers’ reviews on Zillow – some have more than others, but this is perhaps the best way to drill down and see how one person performs as opposed to just looking at the entire company.
Since they’re large and located across the United States, it may be best to look at individual reviews for an indication of future performance.
SWBC Mortgage is an accredited company with the Better Business Bureau, and currently enjoys an A+ rating.
SWBC Mortgage Pros and Cons
The Good
Can apply for a home loan directly from their website in minutes
Offer a digital mortgage application powered by Blend
Plenty of loan options to choose from including home equity products
PrimeLending, a Texas-based retail mortgage bank, aims to expand its market share by growing within its existing footprint in a margin-thinning environment.
The lender brought on 100 loan officers in June, bringing the total number of LOs to about 800. Licensed in 23 states across the country, PrimeLending has 150 branches including satellite and primary retail locations.
“We are dialing down data, metrics and information that allow us to target communities and markets where we again think we have a competitive advantage and we’re using that strategy across the country,” Gene Lugat, executive vice president of strategic support at PrimeLending, said in an interview.
“Companies may be struggling in one way or another. We’ll reach out to those loan officers in markets where we have existing retail branch locations. We’re certainly putting out in both the social media and through our local retail offices that we want the right loan officers,” Lugat added.
While mergers and acquisitions (M&A) is an option for PrimeLending, it’s a challenging market to execute such deals. Instead, tapping high-volume loan officers in targeted locations has worked for PrimeLending.
“We would prefer to be picking up the loan officers without the branches, without physical locations,” Lugat noted. “Because we’re trying to backfill into where we have existing retail opportunities and we have space.”
PrimeLending sees an opportunity to grow in the entire Southwest region and Texas in particular, where the lender is headquartered. The goal is to expand its overall market share to 1% this year from 0.6%.
PrimeLending, led by president and CEO Steve Thompson, ranked as the 34th largest mortgage lender in the first quarter of 2023, with an estimated origination volume of $1.73 billion, a 54% decline from $3.76 billion in Q1 2022 (which was roughly in line with industry peers). Production dropped about 15.2% from the fourth quarter of 2022’s $2.04 billion, according to data from Inside Mortgage Finance.
The target client base for PrimeLending is first-time homebuyers, as the entire industry is struggling to overcome the lock-in effect. Nearly 92% of U.S. homeowners with mortgages have an interest rate below 6%, according to Redfin.
While the 30-year fixed-rate mortgages are the bread-and-butter products for PrimeLending (accounting for about 95% of origination volume), down payment assistance programs, renovation loans and temporary rate-buydowns have become popular options for buyers, Lugat noted.
Competition in the industry is even more fierce with the number of mortgage transactions expected to drop to 5 million in 2023 from 16 million in 2019, Lugat said, citing data from the Mortgage Bankers Association (MBA).
A combination of higher loan amounts, cash buyers and a radical drop of refi volume add to the difficulty of today’s environment.
“This is a battle for a very finite amount of buyers that are entering into this space. (…) You have to be presenting your borrowers in the best possible light just to get their contracts accepted, pre-qualifying borrowers and trying to get them in an approved subject to appraisal and any other condition so they can be in a position to win,” Lugat said.
It’s not all about the beach in Miami. Sometimes you need a hot outdoor spot right at home.
Miami is one of those cities that almost has too much to offer. From apartments with amazing views, compliments of amenity-filled rooftops, to luxury features like high-class fitness centers, it’s not always easy to narrow down your options in this abundance.
One must-have amenity in any Miami apartment is a killer outdoor space. You need some greenery and a perfect gathering spot, to enjoy the wonderful weather with friends. That’s why finding places with solid courtyards or gardens in Miami is essential, and these 10 apartments will totally fit the bill.
Source: Rent. / Alea
There are a couple of cool courtyard-like spaces up and down Alea, which uses its vertical space very well, The actual courtyard hosts the community’s dog run, but this colorful spot gives you a great view and a patch of greenery. The bright mural on the wall, ceiling and pillars of this outdoor space provides character that’s totally Miami, offering up a unique space for a moment of relaxation, shaded from the Florida sun.
Known as the historic center of the city, living in the Miami Central Business District puts you in the hub of so much activity. You’re close to work and fun within the six city blocks that make up this downtown neighborhood. Public transportation makes it easy to get around this dynamic area as well, whether you’re heading out to eat, checking out an art gallery or simply heading off to work.
Source: Rent. / Opera Tower
Planting up rather than out, the front of Opera Tower gives you a vertical garden of greenery to enjoy. Set higher than the palm trees lining the entrance, lush bushes seem to grow straight from the building itself. This funky garden not only adds a great pop of color to the pristine building but really makes the space stand out.
Sitting along the shores of Biscayne Bay, the Edgewater neighborhood isn’t far from the center of everything happening in Miami. It offers a perfect mix of parks, shops, restaurants and waterfront recreation. Margaret Pace Park, also nearby, gives you easy access to trails, tennis and superb picnic spots, while Biscayne Boulevard is where you’ll find posh shops and great places to eat. It’s all right outside your door waiting for you.
Source: Rent. / Gables Ponce
A sleek courtyard surrounded by tall palms and shapely landscaping highlights a great hangout space at Gables Ponce. Curved couches face into a small fountain with cabana-style seating off to the side. There are even outdoor cabanas, a must in this Central Gables neighborhood.
About seven miles from Miami’s center, you’ll hit the beautiful suburb of Coral Gables. Known for its tree-lined streets and historic landmarks, this area is also home to the University of Miami, so you’ll find a nice dose of college students. There’s also amazing shopping and dining along the city’s Miracle Mile and a beautiful dose of nature at the Fairchild Tropical Botanic Garden.
Source: Rent. / Brickell 1st Apartments
You’ll find the soothing rock garden at the very front of Brickell 1st Apartments. Every time you enter, this pool is here to greet you as the small fountains agitate the water so it trickles over the smooth stones. It’s like having a tiny zen garden to help you transition into being back at home, hopefully helping your daily stressors fall away before you reach your front door.
The true urban jungle of Miami, Brickell is the financial center of the city, so living here puts you in proximity to plenty of tall buildings. It’s also where you’ll find great rooftop bars, art galleries and fashionable shops. It’s the downtown you’d expect to find in Miami.
Source: Rent. / WYND 27 & 28
A good courtyard is a functional courtyard, and thanks to the ample seating at WYND 27 & 28, you get just that. Funky flooring defines the space, while a planter with a tall and lanky tree sits front and center. Long rows of cushioned benches surround the space, providing a woodsy feel to this great hangout spot.
Giving you a dense concentration of the arts, the Wynwood Arts District combines art galleries, museums and amazing pieces of street art to create a truly unique and eclectic neighborhood. Among all this unfettered creativity, you’ll find cool antique shops, fun bars and quirky places to eat, so the vibe stays true no matter what you’re doing.
Source: Rent. / Cordoba Luxury Rentals
The best way to take in the courtyard at Cordoba Luxury Rentals is through a wide angle. The mass of tall palm trees makes it hard to get a view of the whole space at once, although they create a great park-like atmosphere. A little hardscape and some clusters of bushes add to the easily navigable area thanks to paved pathways.
For those who love to travel, or find themselves on frequent work trips, Cordoba may be the perfect neighborhood for you. It’s only six miles from Miami International Airport. College students may also eye this area since it’s also near Florida International University. Aside from its ideal location, the area boasts fantastic parks, shopping and a few golf courses.
Source: Rent. / Villa Majorca
A sweet courtyard with a stately fountain provides a stellar first impression of Villa Majorca. Two tall palm trees frame the entrance with tropical plant life filling in the rest of the landscaping. Another Coral Gables gem, this tranquil space is a truly unique amenity.
This smaller community provides residents with luxury living in the heart of Coral Gables Apartments are very spacious, and community amenities include a fitness center and hot tub. You also get the perk of enjoying the surrounding simplistic and clean Mediterranean-style architecture.
Source: Rent. / Blue Lagoon 7
Every courtyard needs a decent seating area, and at Blue Lagoon 7 the combination of white furniture with green grass gives everything a pristine look. Snag a seat on the circular lawn and hang out with friends, or settle into the couch under the cabana. This is just one piece of the expansive courtyard that includes other pods of seats, along with nice landscaping.
Big on luxury and outdoor space, Blue Lagoon 7 provides an array of green and blue retreats to absorb that fresh Miami air. Sitting right on the waterfront, there’s no shortage of crystalline views. A great pool, outdoor gaming area and multiple gas grills add even more to the outdoor space here. You can take a dip, play a game of ping pong or lawn chess and grill up some goodness all in one swoop.
Source: Rent. / Platform 3750
The garden at Platform 3750 is very interesting. Rather than on the ground, it fills an entire wall above the parking garage. Flowers bloom vertically and plants hang down on this special spot that takes gardening to the next level, literally. A beautiful palm tree stands out from a bricked planter as well to draw the eye to one of the most interesting gardens in Miami.
Known as Miami’s oldest, continually inhabited neighborhood, Southwest Coconut Grove is another great spot to call home. Living here puts you close to dining, shopping, entertainment and pristine beaches. There’s a lot of charm and history here as well, which manifests in the funky shops and delicious restaurants.
Source: Rent. / Avalon Doral
An outdoor lounge sits within a tropical garden at Avalon Doral. Find tranquility in this space just off the pool thanks to the rounded chairs and four-top tables surrounded by leafy greenery and palm fronds. Funky lighting makes this space usable even after dark, and the overall tropical ambiance really puts you in the Florida state of mind.
Downtown Doral may be a few miles away from Miami’s city center, but it’s a happening spot all the same. Walk along the main street for shopping, food and fun things to do, or explore Downtown Doral Park. This park covers three acres right in the heart of this suburb and includes a playground, picnic tables and a great jogging path.
Grab an apartment with one of the best gardens in Miami
Finding that perfect Miami apartment is never easy, so make sure you know what’s really important before you really start your search. From the location to the pool to plenty of other amenities, don’t forget about that stellar outdoor space as well. You can get a great place to chill outside even at home, with the sun and amazing weather of Miami at your fingertips.
Featured Image Source: Rent. / Avalon Doral
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.
Welcome to the world of Bohemian-inspired home design, where creativity knows no bounds and a free-spirited aesthetic reigns supreme. Whether you’re seeking to transform your apartment in Rochester, NY or add a touch of wanderlust to your suburban home in Orlando, FL, the Bohemian design can transport you to a world of balance, harmony, and unconventional beauty.
In this Redfin, we’ll explore expert tips and advice from professionals in the field to help you achieve the perfect Boho look for your home. Learn from professionals about self-expression, celebrate diverse cultures, and weave your own narrative into your home decor. Whether you’re a seasoned at heart or a newcomer to this design philosophy, these experts will guide you through the process of creating a space that exudes warmth, peace, and the allure of the unconventional.
1. Boho style is all about balance
In Bohemian design, finding balance is key to creating a harmonious and visually pleasing space. While the style embraces eclecticism and the mixing of various elements, it’s important to strike a balance between contrasting elements to avoid overwhelming the senses.
“One common mistake people often make is forgetting that balance is crucial in Bohemian design,” says Josh Cemelich from ABT Modern. “The style’s essence lies in the artful blend of patterns, colors, and textures while maintaining a sense of harmony. An overabundance of elements without careful curation can result in visual clutter rather than a calming, inviting ambiance.”
2. In Bohemian design, there are no rules
In Bohemian design, the beauty lies in its lack of rules and strict guidelines. It’s a style that encourages individuality, self-expression, and a free-spirited approach to decorating.
“I love the freedom that the Bohemian aesthetic offers. It gives me the liberty to mix different eras, such as Twentieth Century pieces, with organic elements like rattan or various woods. The intentional use of eclectic art and sculpture brings in a layer of personal expression that truly embodies the spirit of boho,” says Josh.
“My advice to those embracing a Bohemian-inspired home is to let your space tell your story. Let each piece of furniture, each artifact, each color, and texture echo your personal journey. Remember, in a Bohemian home, there are no rules—only a boundless canvas for your creativity.”
3. Bohemian design is a tapestry of art, culture, and unconventional beauty
Boho design embraces diverse influences from around the world, blending elements of different cultures, eras, and artistic styles.
“Having a Bohemian-designed home is all about celebrating art, beauty, and bold unconventional choices of colors, textures, and patterns that all unexpectedly harmonize together in a delicious collection from all over the world,” shares Studio Mishou.
“Imagine lush rugs, gallery walls of paintings, light fixtures that resemble interesting giant jewelry pieces, fantastic pillows in all kinds of indulgent fabrics, an abundance of color, and art objects that initiate conversations. Basically, a Boho home is like that eccentric aunt who wears fabulous silk caftans, has traveled the world, and hosts the best cocktail parties with people from all walks of life.”
Courtesy of Studio Mishou
4. Incorporate natural elements into your Bohemian inspired home
Utilizing natural elements is a fundamental aspect of Bohemian design, adding an organic and grounding touch to the overall aesthetic. The Bohemian style embraces the beauty of the natural world, bringing in elements such as plants, natural fibers, and raw materials.
“Use natural, sustainable elements such as wicker, rattan, wood, metal, and bamboo, all of which are beautiful and can be utilized in various ways to create an eclectic and grounding ambiance,” recommends Rooms Refreshed.
“Plants are particularly inspiring for creating a Bohemian atmosphere as they bring the essence of the outdoors inside. With a wide range of indoor plant varieties available, mix and match them to create your own living, colorful artwork.”
Courtesy of Rooms Refreshed
5. Add vibrant, colorful expressions for an artistic flair
Bohemian style celebrates the bold and the unexpected, encouraging the use of vibrant hues and expressive palettes throughout the space.
“As an artist who lives and breathes the boho look, I use vibrant color combinations abundantly to create the desired aesthetic. My favorite colors include orange, pink, yellow, bright purple, lime green, and a profusion of teal,” suggests Teresa Stone, Known as the Gypsy Gardener, from The Bazaar On Apricot & Lime.
“My Bohemian home serves as a direct reflection of my artistic expression. My art predominantly revolves around abstract floral themes, and I extend my creative palette beyond canvas by painting on various furniture pieces sourced from thrift stores or stumbled upon curbside..”
Courtesy of Gypsy Gardener
6. Create a look that reflects your personal style
Boho design encourages you to embrace your individuality, allowing your space to become a canvas for self-expression.
“Bohoemian style is about creating spaces that reflect personal tastes and experiences, rather than adhering to specific design rules or trends,” says Luonto Furniture. “ It’s about creating spaces that are not just visually appealing, but also comfortable, inviting, and full of character.”
Courtesy of Luonto Furniture
7. Create a narrative by weaving travel memories into your decor
Capture the spirit of your adventures by incorporating travel-inspired elements throughout your home. Displaying souvenirs, such as maps, globes, or postcards from your journeys, adds a personal touch and sparks conversations about your experiences.
“Travel is a big focus for me and my family. Sometimes it is to an exotic location like Nepal, and other times it is a Sunday drive to the foothills for a hike. Of course, we have photo albums to record the trips, but I like to keep those memories more present by weaving a lot of our travel finds throughout our house, on bookcases and side tables,” shares Cydney Davis-English, Owner and Design Lead for The English Garden.
“We try to avoid tourist stop posters and shot glasses and instead seek out local artists. Making a purchase from a local artist or shop owner doesn’t have to be expensive, and it helps keep those businesses vibrant. Whether it’s a piece of pottery, a small drawing, or even something functional like a candle or kitchen item, these items can help us relive our trips.”
Courtesy of Cydney Davis-English
8. Add floral accents
Embracing the presence of flowers and botanical elements brings life, color, and a sense of serenity to your space.
“Make a living, organic element one of your decorating layers,” says Cydney, a third-generation flower shop owner. “With Bohemian styling, it’s easy for things to appear busy and cluttered. By focusing your flowers on one bold shot of colo, you can add a vibrant touch without overwhelming the visual space. Additionally, keep the plant elements simple by displaying them in unpatterned terra cotta pots or colorful ceramics.”
9. Break up your Boho-chic space into zones
“Just as if you were planning a boho-chic wedding, break up your space into zones that will serve specific functions while fitting the desired theme,” suggests Walt Shepard from Inside Weddings.
For example, create a cozy reading nook with layers of textured pillows, bold-toned blankets, and candlelight emitted from lantern-inspired votives; adorn the dining area with woven place mats, place settings featuring mismatched china in various colors and prints, and organic centerpieces surrounded by bud vases; or curate a bohemian-inspired lounge with a rich velvet or leather sofa, statement vintage chairs, and cozy, soft accents for an eclectic look.”
Breaking up your Boho-chic space into zones is a practical and stylish way to optimize the functionality and flow of your home. By defining specific areas within your space, you can create distinct zones for different activities, while maintaining the overall bohemian aesthetic.
10. Expand your Bohemian space outdoors
Transforming your outdoor area into a bohemian oasis extends your living space and creates an enchanting retreat.
“I believe in embracing the Bohemian design philosophy not only indoors but also in outdoor spaces,” says says Rafael Montilla from Art Miami Magazine. “By utilizing cozy seating areas, layered textiles, and organic materials, you can create a seamless transition between inside and outside, allowing for a holistic boho experience.”
11. Add texture in every room
“Introduce various textures to add depth and visual interest to your space,” suggests Bohemian Hive. “Combine smooth surfaces like glass or metal with textured materials like velvet, fur, or woven fabrics. Textures can be incorporated through rugs, cushions, curtains, or even wall treatments like textured paint or wallpaper.
Another way to do this is by mixing and matching furniture, old, and new decor. Incorporating unique vintage or thrifted pieces adds character to your eclectic design. Explore flea markets, second hand stores, or online platforms to find one-of-a-kind items that can become conversation starters in your space.”
By incorporating various textures, you can enhance the cozy, eclectic, and inviting nature of Bohemian style.
12. Incorporate live plants whenever possible
“Plants are a great, low-cost way to add energy and color to your space, and they really enhance the modern boho aesthetic,” shares Homescaped. Bohemian design is heavy in texture and can be a mix of furniture pieces from different styles to create an eclectic, collected over time look. Think macrame planters and that vintage coffee table you saw at the flea market last weekend, combined with a modern sofa and colorful, vibrant throw pillows. Avoid making everything too matchy-matchy.”
Plants not only enhance the aesthetic appeal of your home but also contribute to a healthier and more rejuvenating environment.
Courtesy of Homescaped
13. Use Rainbow prisms to add a magical touch to your space
“Rainbow prisms are one of the most inexpensive, renter-friendly, and easy-level DIY ways to enhance your space,” suggests Amelia Dean, Owner of Bohemian Reves. “Using either a suncatcher window sticker or a faceted crystal hung from clear fishing wire, you can place them in a southwest or northeast window or attach them to the ceiling.
Placing these prisms in hallways and small areas can have a significant impact, and using both methods together can create captivating dimensions. For bolder prisms, use round crystals as they keep the energy flowing. For softer prisms, stick to flatter chandelier shapes.”
Courtesy of Bohemian Reves
14. Dry-lay tiles on window sills and room borders
“Renting? Not a problem. I have a small obsession with dry-laying tiles without adhering them to transform window sills and room borders,” says Amelia. “Often, after living with and testing tiles in a space, I’ll either find it validates my decision in the spot I choose or that it could have a more suitable home. Perhaps they are more delicate than you thought or they clash with something else that has changed along the way.
This has saved me countless times. Be sure to keep a flat, solid substrate in mind and only place them in areas that will not be walked on to avoid breaking or damaging the tile. Look for sale tiles or tiles that have less than 1000 square feet left. It’s an amazing way to save money and keep your home diverse and stimulating. Don’t toss your tile samples, they’re often the perfect size for windowsills.”
Courtesy of Bohemian Reves
16. Embrace mismatched furniture
Rather than aiming for perfectly coordinated sets, embrace the beauty of individuality and mix different styles, eras, and finishes.
“The days of matchy-matchy furniture sets are long gone,” shares KB Design. “Especially if trying to achieve the boho look. The more eclectic, the better. If you currently have a more traditional couch set, and trying to upfit on a smaller budget, create the eclectic feel by sourcing a funky coffee table, lamps, playful pillows and low-sitting accent chair. Mirrors, taper candles, books from your travels, and anything else special that speaks personally to you.”
Courtesy of KB Design
17. Invest in Bohemian craftsmanship
Seek out unique, handcrafted pieces that showcase the skill and artistry of local artisans. Look for furniture, textiles, ceramics, and decorative items that are made with traditional techniques and showcase intricate details.
“Enhance your free-spirited Bohemian Lifestyle by showcasing exquisite solid wood creations in your home,” says Bohemian Works. “Add authentic wood accents that embody organic forms, blending functionality and aesthetics seamlessly. From flooring to kitchen doors, create a harmonious living space that celebrates the essence of Bohemian design.”
There’s so much to look for in an ideal Austin apartment. Luxury amenities like high-end pools and rooftops full of cushy lounge chairs are where a lot of people start, but there’s more to the perfect apartment than those flashy features.
To many, the only essential amenity for their Austin apartment is a proper outdoor grill setup. From poolside parties to rooftop culinary creations, the apartment grills on this list are second to none in Texas’ capital city.
To find the best apartments with grills in Austin, look no further than the hand-selected standouts below.
Source: Rent. / Austin City Lights
Detailed stonework and bright pops of color combine to create an interesting grilling area at Austin City Lights. Two gas grills and a stunning fireplace are both accented by stone. Fenced off by a black gate, this area sets a mood that’s equal parts classic and cool.
Located in scenic Sweetbriar, you’ll find bright colors all around this meticulously maintained community. Yellow umbrellas lead you to the pool plaza where a small waterfall separates two swimming areas.
Source: Rent. / Sonterra
Full of rustic charm and modern convenience, the grilling and outdoor dining space at Sonterra uses classic design to set a classy tone around the propane grills. There are also two four-top tables, which sit under a wooded pergola with thick pillars. The whole space has a European air to it, which means you’ll enjoy your outdoor meal with a little extra charm.
Just beyond the grilling space, the rustic vibes continue into the pool area thanks to a darker palette for the lounge chairs and the dense border of mature trees encircling the space. You’ll feel like you’re in another place as you float in the pool of this Northwest Austin community.
Source: Rent. / Bridge at Southpark Meadows
Indoor-outdoor convenience permeates the grilling station at Bridge at Southpark Meadows. While not totally enclosed, there is a roof above the grills and prep area, making a sort of barbecue pavilion. With a four-top table alongside the space, it’s easy to go from cooking to eating without traveling far.
Form and function combine in most of the common spaces throughout this Southwest Austin community. In the lounge, you’ll find plenty of plush seating with cool chevron designs running up a section of the wood-paneled accent wall. For the game room, it’s a classic pool table with a red felt top and a modern light fixture that make for an interesting aesthetic and a great spot to entertain.
Source: Rent. / Moonlight
At Moonlight, what impresses most is the poolside outdoor cooking area. You’ve got a sink with running water and a mini fridge. You can clean as you grill and keep those beverages ice cold. Adding these extra features turns this space into a mini kitchen that’s ideal for outdoor cooking and entertaining.
Situated in Southeast Austin, outdoor amenities abound at Moonlight. There’s a great playground for the kids, with two slides and monkey bars. The pool area, which sits right next to the grilling space, is huge. There are more than enough lounge chairs as well as an in-pool sunbathing shelf for those who like to keep their feet wet when working on their tan.
Source: Rent. / Camden Amber Oaks
There are two propane grills at Camden Amber Oaks. This pair of grills in Northwest Austin sit under their own pergola, with two separate prep stations and two four-top, umbrella-covered tables.
With four grills spread out around a huge and luxurious pool, you’ve got the makings for a perfect, relaxing kind of day, and it’s all without leaving home.
Source: Rent. / Tides at South Lamar
The grill setup is sweet at Tides at South Lamar. Two gas grills sit within a wooden plank stand, giving it a retro look. The green picnic table to the side enhances this feel as well. What makes this area even better, though, is the extra seating right off the grilling patio. Under a patch of soaring palm trees, there’s a long wooden picnic table, extra benches and Adirondack chairs.
The park feel of this South Lamar community pops up in other spots around the property as well. The outdoor garden, with raised beds for residents to use, lives in the middle of a great lawn. More trees line up around the beds and a gravel path takes you right to them. And, while the pool area takes a more minimalist approach to its decor, there’s plenty more greenery throughout the property to enjoy at every turn.
Source: Rent. / Grace Woods
Set up to feel more like an outdoor cafe than an apartment grilling area, this space at Grace Woods has all the right touches. There’s also no shortage of seating, whether you’re under a green umbrella at a table or eating on a lounge chair while you soak up more Texas sun.
If you’re dining alfresco with a big group of friends, you can walk your plates over to the outdoor lounge and really get cozy. The space in this Parker Lane community has two long couches and two chairs.
Source: Rent. / The Bridge at Northwest Hills
Taking it back a little old school, the grilling stations around The Bridge at Northwest Hills rely on charcoal for cooking, rather than propane. You’ll see these pill-shaped grills throughout the community, always sectioned off with some kind of unique flooring, and a small picnic table, the kind with attached seats. One grill has a gravel floor, with a stone paver pathway, while the other is all about the stonework.
Cooking up something with a lot of flavor is easy in this Northwest Austin apartment grill, but what makes this space even better is its proximity to the Greenbelt. While there are great on-property amenities, like a big pool, spacious deck and state-of-art fitness center.
Source: Rent. / Camden Shadow Brook
The best apartments with grills in Austin take into account the need for prep space. At Camden Shadow Brook, an entirely separate bar counter for getting those burgers and dogs ready for the grill meets this need with ease. It’s also a great surface to serve food from, letting friends make their own plates. With two gas grills right behind the prep space, you won’t have any issue going from cooktop to counter thanks to this smart setup.
Another great place in Southwest Austin to call home, the grills sit right beside the massive pool. It’s so big, it’s actually broken up into two separate spaces, three if you count the hot tub. Each section curves into a unique shape, with two stone islands in the middle.
Source: Rent. / Foxwood
A grill that comes with its own porch? Yes, please. At Foxwood, you get a great hangout space alongside the charcoal grill. Covered by a pergola, this patio slab looks out onto the beautiful green space within the community. It’s the ideal spot to enjoy a quiet meal al fresco.
The green space in this Southeast Austin community is a true hidden gem. From your lookout by the grill, you’ll see a long bridge. This crosses over a small creek, with gnarled tree branches hanging gracefully overhead. Two rows of lamp posts keep the area bright even after dark. Overall, this entire space makes it feel like you’re living in a park.
Find the right apartments with grills in Austin
Now that you know what’s out there and are more familiar with the grill setups that really pop, it’s time to find your next apartment in Austin. Lock down a place with a great grill, a good location and all the other amenities on your ‘must have’ list, and you’ll enjoy living in Austin that much more.
Featured Image Source: Rent. / Camden Amber Oaks
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.