vinyl

Apache is functioning normally

Fewer things are more comforting than a crackling fire on a chilly day, but what happens when your chimney needs a little TLC? Repairs generally cost between $160 to $750, with an average repair running around $455, according to HomeAdvisor. But the amount you end up paying will depend on several factors such as the type of repair needed, your chimney’s materials, and labor costs.

Even if you only light your fireplace for part of the year, you’ll want to fix any chimney problems as soon as you can. A damaged chimney could increase the risk of a fire or prevent toxic gasses from passing safely into the air outside.

Here’s a closer look at common chimney repair costs so you can plan accordingly.

Factors That Impact Chimney Repair Cost

If a chimney is well maintained, you can expect it to last for 50 to 100 years. Still, it’s a good idea to carve out space in your household budget for occasional maintenance and repairs. When you’re planning how to pay for the fixes, keep in mind that several different factors can impact your chimney repair costs.

Type of Repair

The type of repair can impact the overall cost of a project. For example, capping repair usually involves replacing the very top cap on your chimney. This type of project typically costs between $150 to $300, according to HomeAdvisor.

Another common repair is fixing the mortar and bricks in a chimney. The job might entail tuckpointing, which incorporates two different mortar colors to make the chimney look newer. Masonry chimney repair costs usually cost between $300 and $1,500, while prefab chimneys cost less because they have fewer components. The job typically costs between $250 and $1,200.

Lining repair involves fixing the chimney liner, which, when cracked, can pose a fire risk. Chimney liners cost between $625 to $7,000, with a national average of $2,500.

Recommended: What Are the Most Common Home Repair Costs?

Type of Chimney

Chimney types vary by material, and this can impact how much a repair costs. Four common types of chimneys include brick, stucco, metal, and prefabricated.

Depending on how much damage there is, brick chimneys cost $175 to $1,000 on average to repair, though you can expect to pay more for more significant work. If you’re fixing a metal and prefabricated chimney, plan on paying in the neighborhood of $200 to $1,200, depending on how extensive the damage is.

Have a stucco chimney? You’ll likely need to pay more to have it repaired. Projects typically run between $570 to $1,920, though bigger jobs can run as high as $4,200.

Labor

Professional chimney repairs usually cost between $50 and $200 per hour. That said, the more damage there is, the harder the damaged area is to reach, and the more time a project requires, the more you may end up paying in labor costs.
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Additional Costs

A repair may not be the only cost you encounter. Chances are, you might also pay for routine chimney inspections, chimney cleaning, ongoing maintenance, and permits.

Chimney Inspection

Whether you’re buying a fixer upper or renovating your current home, you should plan on having your chimney inspected by a professional once a year. The condition a chimney is in determines the type of inspection it needs. There are three levels of inspection:

•   Level one inspection: A level one inspection is an annual routine inspection and typically costs between $100 and $950.

•   Level two inspection: A level two inspection goes a step further to include a more extensive investigation into potential structural issues caused by recent damage. It costs between $200 and $1,000.

•   Level three inspection: A level three inspection looks at every part of a chimney, inside and outside, which may require taking out walls or portions of the chimney. It costs between $500 and $5,000.

Chimney Cleaning

Cleaning a chimney typically runs between $120 and $390, or an average of $250. If your chimney has not been maintained well, there may be heavy creosote buildup or other damage. This could lead to a higher clean-up bill of up to $5,000.

Ongoing Chimney Maintenance

All chimneys need regular maintenance. Depending on the type of upkeep required, you may pay for a simple cleaning (an average cost of $250). But if a chimney repair contractor finds that your chimney restoration needs more attention, you could pay more.

Permits and Related Fees

Once you find a contractor and finalize your plans, work can begin. Keep in mind that before constructing or changing the outside dimensions of a structure, your contractor will need to secure a building permit. A building permit generally costs $50 to $300 for small jobs.

Types of Chimney Repairs

From the crown to the flashing, we’ll look at the various parts of the chimney and what it might cost to fix each one.

Stack Repair

The chimney stack is the part of the chimney that appears above the roof. Chunks of missing masonry, crumbling brickwork, and visible cracks can signal that your chimney stack needs to be repaired.

Mortar Repair

Mortar acts as a buffer between the bricks in a chimney. But that buffer can crack and deteriorate from movement and pressure, so pay attention to how your mortar looks from year to year.

Repair could involve repointing and/or tuckpointing. Repointing means removing and replacing damaged mortar joints, while tuckpointing uses two different colors of mortar to make the mortar joints look different.

Crown Repair

The crown is the top part of the chimney and prevents rainwater from getting into your chimney. Typically made of concrete, the crown should be checked for visible cracks, deterioration, wall damage, and pooling water.

Cap Repair

Chimney caps, usually made of steel or copper mesh, sit on the crown at the very top of the chimney. The cap covers the flue, or the duct that allows smoke to leave the chimney. Caps also keep rainwater, animals, and debris from entering the chimney. Missing tops, rusted screens, creosote accumulation, and screen holes can all indicate that your chimney cap needs attention.

Foundation Repair

Chimneys often have their own foundations, but they sometimes settle. This could allow moisture, critters, and other items to enter your home. Look for a crumbling foundation, which might also present fire hazards and falling bricks and mortar.

Liner Repair

A chimney liner, or flue liner, is the vertical passage located inside your chimney that carries fumes to the outdoors. Similar to an exhaust pipe, the flue keeps wasteful gasses from spreading into your chimney cavity.

There are some signs that yours may need a replacement, including finding broken shards and flakes of parts of your chimney and smoke in your home. It’s a good idea to consider replacing your chimney liner if it’s older. Less-expensive models should last up to five years, while a well-constructed liner can usually be counted on for up to 20 years.

Wood Rot Repair

Wood rot can compromise your home’s structural integrity and affect any part of the chimney that has wood in it: the crown, cap, or flue liner. Indications of wood rot might include discoloration or staining, a musty smell, cracks in the wood, and evidence of pests.

Smoke Chamber Repair

The smoke chamber refers to the part of the chimney located just above the damper and connects the firebox to the flue. It guides smoke from a fire up into the flue and out of your home. Since many smoke chambers contain steps, gaps, and holes, they can contain flammable creosote and soot buildup.

Flashing Repair

The flashing of a chimney joins the roof to the chimney and is made of aluminum, steel, copper, vinyl, or PVC. The flashing should last 30 years. But if there’s damage, you could end up with leaks in the roof due to rusting and corrosion, animals, loose caulk and gaps, and wear and tear.

Flue Repair

A flue is any open, vertical part of the chimney that lets smoke escape. (Don’t confuse this with the chimney liner, which lines the flue.) Signs the flue needs attention may include broken shards and flaking and smoke in your home.

Cricket Repair

A chimney cricket, also called a roof cricket, sits behind your chimney and looks like a tiny peaked roof. It juts off the main roof and sits directly against the backside of the chimney to divert water from the masonry. Water stains on the ceilings or walls, rafters near a chimney or damaged mortar and bricks or rotten wood can identify whether the chimney cricket is working or not — or if you need a chimney cricket and don’t have one. (Tip: Chimneys that are 30 inches or larger need a cricket.)

Brick Replacement

Brick replacement may involve replacing just a few bricks — or redoing the entire chimney. Note that if the bricks are in areas that are hard to reach, a professional may charge more for the job.

Siding Repair

If you have a chimney made of siding, it can be at risk for rotting, swelling, and deterioration. Even if it looks good from the ground, a “diseased” chimney could be rotten and cause water to enter your home through the roof or ceiling.

Repairing vs Replacing a Chimney

The extent of your chimney’s damage determines whether you should have it replaced or simply repaired. However, there are some clear signs that indicate you may need to completely replace your chimney:

•   Large cracks in the bricks

•   White streaks on the bricks

•   Spalling bricks (bricks falling down)

•   Tilting

Even if some of those indications are present, it’s a good idea to consult with a professional to know exactly what to do next about your fireplace chimney repair.

Signs You Need a Chimney Repair

Indications you need a chimney repair include cracks that appear, smoke blowback, leaks, leaning, or spalling bricks. Let’s walk through what these might mean.

Cracks

Cracks in the chimney’s masonry can signal that it needs attention. Cracks can lead to gas seeping into your home, which can increase the risk of carbon monoxide poisoning. Excess moisture, earthquakes, or other weather events; hail; acidic decay; wind; and hot or cold temperatures usually cause cracks to appear.

Smoke Blowback

Smoke blowback creates a safety and health hazard. Not only could your house sustain a fire, but you could also face carbon monoxide, volatile organic compounds, polycyclic aromatic hydrocarbons, and other pollutants in your home. There are several causes for smoke blowback, including a blockage in the chimney or even a home that’s too well insulated.

Leaks

Chimney leaks are a common problem. When your chimney drips water or you see moisture in the fireplace or surrounding walls, you may also see attic and wall damage. The chimney itself may have a leak, or the roof may leak. For example, the chimney cap or crown may be damaged, bricks or mortar may have issues, the flashing may not be working properly, or condensation may have built up in the chimney.

Leaning

Exposure to all sorts of weather can cause the mortar joints in a chimney to decay. This causes bricks to loosen and the chimney to lean. Other reasons for leaning include a lack of footings and shifting soil. A leaning chimney doesn’t just look bad — it can also pose a safety risk and may even collapse.

Spalling Bricks

Spalling brick refers to bricks that flake, pit, or crumble and fall away from the masonry. Small cracks usually start and grow larger until the brick completely deteriorates. Improper mortar, weather, improper insulation, non-breathable masonry sealants, cleaning with a pressure washer, and impact to the bricks can all cause spall. Spalling poses a safety risk — there’s a possibility the structure collapses and damages the rest of the roof.

Shaling Tiles

Have you noticed pieces of flue tiles accumulating at the bottom of your chimney? This may be the result of shaling, which is a sign that your flue tiling is damaged. A professional can use special equipment to confirm whether there’s an issue, identify the problem spot,and offer potential solutions.
💡 Quick Tip: Loans typically offer lower interest rates than credit cards. Consider a SoFi home improvement loan to fund your next renovation.

Can I Repair My Chimney Myself?

Depending on the issue, fixing a chimney can take a big bite out of a homeowner’s budget, but there are several ways to finance the cost of chimney repair. For instance, you may decide to dip into emergency savings, use a credit card, take out a personal loan, or turn to your homeowners insurance.

Or, depending on your situation, it might make sense to explore a cash-out refinance, a home equity line of credit (HELOC), or consider emergency home repair financing options. As you make your decision, it’s a good idea to compare the interest rates and the pros and cons of each type of financing.

You may also be tempted to attempt to tackle the work yourself and save some money in the process. Though many home improvement projects may be appropriate for the DIY-er, chimney work is not one of them. You assume serious risks when completing a chimney repair yourself — the same kinds of risks you’d face repairing a roof. Even if you can overcome those risks, you’ll still have to know how to repair the chimney. And certain tasks, such as a complete chimney replacement, require advanced knowledge of the mechanics of a chimney.

Recommended: How to Pay for Emergency Home Repairs, So You Can Move on ASAP

The Takeaway

A well-maintained chimney is designed to last for decades, but that doesn’t mean it won’t require the occasional repair or maintenance. Repairs typically cost between $160 to $750, though that price depends on a range of factors, including the type of chimney you have, the work being done, and labor costs. But chimney upkeep is an important line item to include in the budget because there are potential safety risks involved when repairs aren’t made.

When it comes to financing chimney repairs, homeowners have several options, including homeowners insurance, dipping into an emergency fund, and taking out a personal loan.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. Checking your rate takes just a minute.

SoFi’s Personal Loan was named NerdWallet’s 2024 winner for Best Personal Loan overall.

FAQ

When should I replace my chimney?

You may never need to replace your chimney as long as you live in your home, since chimneys can “live” up to 100 years. However, if you live in an old home or can see issues with your chimney, consult a chimney repair contractor, who can determine whether it needs to be replaced.

How often should I clean my chimney?

The National Fire Protection Association (NFPA) suggests having your chimney cleaned and inspected once per year by a chimney sweep. You should also have your chimney swept at least once per year. A professional can ensure that everything is in working order.

What qualifications should I look for in a chimney repair contractor?

Hiring a professional with the right credentials is important, so look for certifications by the National Fireplace Institute (NFI), Chimney Safety Institute of America (CSIA), and Certified Chimney Professionals (CCP). Check a chimney repair contractor’s Better Business Bureau (BBB) rating. Ask for a portfolio and recommendations, and confirm that the company is insured.

How do I compare quotes from different chimney repair contractors?

Get several quotes from various contractors in your area and compare them apples to apples. The cheapest one may not be the best fit for the job. For example, one contractor may offer a more thorough repair than another for, say, brick chimney repair costs. Ask for a list of services and a detailed list of the costs involved before you decide on the contractor. It also doesn’t hurt to ask friends and neighbors for recommendations.

Are there any permits or inspections required for chimney repairs, and how much do they cost?

A building permit typically costs $50 to $300 for small jobs, though it may depend on where you live. Once you find a contractor, they should be able to answer your questions about the costs of a building permit.

Will my homeowner’s insurance cover the cost of chimney repairs?

If your home is damaged by a covered loss, your insurance will cover the cost of chimney repairs. For example, your insurance will likely provide coverage if lightning strikes your chimney and ruins the brick and mortar. However, if your chimney has been neglected and causes a fire in your living room, your homeowner’s insurance may not cover the damage. Ask your insurance carrier for more information about your specific situation.

How can I finance the cost of chimney repairs?

Consider a variety of different types of financing, from using your credit card to taking out a personal loan from a lender (such as your mortgage lender). Also consider emergency home repair financing options, a cash-out refinance or a home equity line of credit (HELOC). Compare the interest rates, pros and cons of each type of financing, to determine which type of financing works best for you. For example, if you know you will have a repointing chimney cost on your hands, consult with at least five contractors and get prices, then ask your bank or credit union for more information about financing options.

Are there any tax breaks available for chimney repairs?

Generally, home repairs, such as fixing a broken chimney, are not tax deductible. However, a home improvement, such as adding a chimney to your house, may be tax deductible. Check with an accountant for more information.

How can I ensure my chimney repair project stays within budget?

Put together a budget so you know exactly how much you can afford to spend on your chimney repair. Keep in mind that the chimney repairs cost could run you between $160 to $750, with an average repair cost of $450, to fix your chimney. Chimney rebuild costs will likely cost the most. Check with an experienced contractor in your area to learn about your project’s costs, and be sure to get a list of costs ahead of time.

What are the risks of not repairing my chimney?

Leaving chimney issues unchecked can result in a number of safety hazards, including fatal fires, carbon monoxide poisoning, and other toxic chemicals. To help you spot and address problems early on, consider getting an annual inspection recommended by the NFPA. A professional chimney inspection could uncover a chimney repair problem you can’t see from your living room or from the ground.

Photo credit: iStock/arak7

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Source: sofi.com

Apache is functioning normally

Catie Skelton and her brother Tim, owners of Elements Wallcoverings, of Orlando, say an installation can only be as good as the prep work underneath. (Courtesy Marni Jameson)

Wallpaper has made a major comeback.

I recently got the bug to refresh and update my dining room, whose furniture dates back to the 1990s. So, I asked Los Angeles designer Christopher Grubb to consult. That is, I would send him photos. He’d provide decorating direction. I’d do the legwork. This arrangement saved us both hours of indigestion.

Technically, it’s an alcove located directly off the entryway, but because it’s the first room you see when you come in the front door, I want it to shine. Grubb gave me a to-do list: add a pair of long mirrors, put black lampshades on the chandelier and wallpaper the back feature wall and the ceiling with a rich, medium-blue grasscloth to distinguish the dining area from the entry.

I requested six wallpaper samples, lived with them for a few days, chose one and hired my handyman to prepare the wall and ceiling, filling in the textured surfaces to make them smooth.

Orlando wallpaper installer Catie Skelton, who runs Element Wallcoverings with her brother Tim said, “Wallpaper used to be just for high-end homes. But now, thanks to social media and more brand competition, it’s accessible to the middle class. Plus, customers are realizing that wallpaper doesn’t have to have little flowers and strawberries. You can choose from thousands of bold patterns, textures and contemporary prints.”

Indeed. Even my daughter and her husband, on-trend millennials, recently hung wallpaper in the nursery they are preparing for their baby, due next month(!).

“We looked at a lot of inspiration photos,” my daughter said. “Almost all the nurseries had accent walls either painted a fun color or wallpapered.” They chose a peel-and-stick paper featuring soft illustrations of woodland creatures, which my son-in-law put up himself.

Peel-and-stick wallcovering, such as this Gunnison wallpaper from Loomwell, offers an easy, affordable way to decorate this nursery.(Courtesy Marni Jameson) 

Though more expensive than paint and more work, when it’s done right, adding wallpaper to a room adds richness and interest that paint alone simply can’t. “Updating a room with a paint color is an easy change,” Grubb said, “but if you truly want to elevate a room, wallcovering is the way to go.”

The wallpaper went up this weekend. It’s a lovely improvement. So now that I am up with the times, I asked Grubb and the Skeltons to tell me more about the wallpaper comeback and what more homeowners should know:

Be unexpected. Wallpaper isn’t just for living rooms and powder baths. For one Los Angeles couple, Grubb covered the laundry room walls with a lively graphic paper. “It completely changed the feeling of this utility space.”

Float don’t line. Many homes have textured walls, which prevent wallpaper from being smooth, so Tim Skelton recommends “floating” the walls: skim coat them with drywall mud to fill in the recesses.

Don’t skimp on installation. If your paper has a tricky repeat that needs special alignment or your room has lots of angles, hire a pro to install it, Grubb said, and get more than one bid: “I’ve had clients try to save money by hiring someone inexperienced or by doing the job themselves, and they ran into alignment issues that got more attention than the beauty of the material.”

Consider the new vinyl. Today’s vinyl wallpaper often looks like grasscloth or silk, but is a lot less fragile, more durable and easy to clean with soap and water.

Enjoy the sound effects. Wallpaper will dampen outside noises a bit, but wallcoverings made of linen, silk, cotton or grasscloth are especially good at buffering sounds, so they’re good choices for home offices and bedrooms.

https://extras.mercurynews.com/events/.

Source: mercurynews.com

Apache is functioning normally

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Covege Pink Vase

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Covege Pink Vase

Okay, is this not the prettiest vase you’ve ever laid eyes on?! It literally embodies all the ~spring has sprung~ vibes, and the mosaic tiles are to die for.

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Onewish Touch Bedside Table Lamp

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Onewish Touch Bedside Table Lamp

Some added light is always a good idea, and this touch-activated lamp is the perf way to incorporate some extra brightness into your space—no switches or buttons needed!

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Furbish Needlepoint Decorative Throw Pillow

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Furbish Needlepoint Decorative Throw Pillow

Like your grandma’s needlepoints, but make them super funny and *slightly* offensive.

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Deolme White Storage Bench

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Deolme White Storage Bench

Not only is this boucle bench super comfy to sit on, but the piece also has ample storage room for extra pillows, blankets, and whatever else may be lying around. Wins all around!

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Marycele Candle Warmer Lamp

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Bikoney Record Player Stand with 3-Tier Vinyl Record Storage

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Bikoney Record Player Stand with 3-Tier Vinyl Record Storage

With three tiers of vinyl storage and shelves for your record player and Bluetooth speaker, this little shelving unit is truly a music lover’s dream.

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ZENS Modern Pink Glass Vase

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ZENS Modern Pink Glass Vase

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If you trust us with anything, let it be the fact that a simple bouquet (fresh or faux) has the ability to brighten any room. This acrylic vase will perfectly accentuate your florals and is the coolest addition to any desk or shelf.

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Trahome Wall Mirror

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Trahome Wall Mirror

Why settle for a plain ole mirror when you can see your beautiful reflection in this funky one?!

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Lush Decor Reyna Ruffle Comforter Set

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Lush Decor Reyna Ruffle Comforter Set

Your bed def deserves an upgrade, and this ruffled blanket set would add a lil feminine flare to any bedroom. Because who wouldn’t wanna fall asleep in a fluffy white cloud every night!?

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Vasalage Corner Shelf Wall Mount

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Vasalage Corner Shelf Wall Mount

Unsure what to do with your empty corner? This meandering shelf unit would look amazing filled with all your fave candles, pictures, and such.

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Need a wine glass upgrade? The answer is always yes. These oversized ones would look so good housing your fave wines or spritzes.

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This top-rated Amazon bathmat will make you giggle every time you get in the shower, and it’ll be a hit with your overnight guests, too! Did we mention it’s machine washable?

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Bamworld Rattan Side Table

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Bamworld Rattan Side Table

Need some extra space for your food, drinks, and even a magazine or two!? This side table combines a sleek glass design with rattan for a modern twist on the wooden aesthetic.

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With over 20,000 five-star Amazon reviews, this mirrored digital alarm clock is certainly worth a spot in your cart. The digital time display can be dimmed during nighttime hours or turned off entirely so you can use it as a mirror.

Jasmine Hyman is the assistant shopping editor at Cosmopolitan where she covers all the best things you can add to your cart. She loves writing about everything from fashion to politics, and you can definitely find her listening to Harry Styles’ entire discography on loop while doing so. She’s also probably in bed either reading or endlessly scrolling through TikTok (most likely the latter). Feel free to follow her on Insta to be inundated with pictures of her meals.

Sarah Maberry is a commerce writer for Hearst Magazines, where she covers fashion, beauty and pop culture. A seasoned trend forecaster and fashion historian, she analyzes viral products and trends on a deeper level. When she’s not writing for Cosmopolitan, ELLE, Harper’s BAZAAR, House Beautiful, Town & Country, Delish and other publications, she can be found roaming the Museum at FIT (her alma matter) or sewing her own couture while she binge-watches reality TV.
 

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Source: cosmopolitan.com


With its collection of quirky and unique independently run shops, Etsy is where I go when I’m searching for items that will bring a wow-factor to my home. And even though I’m buying unique things, there are still a ton of shops that are affordable.

These are some of our favorite Etsy shops selling modern home decor even for those of us on a budget — proof positive your home can be unique and chic without depleting your savings account.

A version of this article was originally published in September 2017.

Source: sheknows.com

Apache is functioning normally

With its beautiful parks, aerospace history, arts scene, and renowned sports teams, Houston, TX, is a fantastic city to call home. From attractions like the Houston Zoo and the NASA Johnson Space Center to the Bayou Music Center and the Houston Arboretum & Nature Center, Houston has plenty of neighborhoods near these popular attractions.

If you’re looking to rent an apartment in Houston, you’ll find that the average rent for a one-bedroom apartment is $1,256. Whether you’re in search of a luxurious apartment or simply curious about Houston’s most expensive neighborhoods, ApartmentGuide has got you covered. We’ve gathered the 11 most expensive neighborhoods in Houston to consider renting in this year.

11 Expensive Neighborhoods in Houston, TX

From the lively Medical Center to the historic Astrodome, there are plenty of amazing Houston neighborhoods to explore. With its proximity to famous attractions and luxury high-rise options, one of these expensive neighborhoods may be the right place for you.

1. Medical Center
2. Astrodome
3. Midtown
4. South Central Houston
5. Greenway – Upper Kirby
6. Inner Loop
7. Uptown-Galleria
8. Washington Avenue – Memorial Park
9. Great Uptown
10. Greater Heights
11. Montrose

Read on to see what each neighborhood has to offer its residents.

1. Medical Center

Average 1-bedroom rent: $1,999
Apartments for rent in Medical Center

The Medical Center neighborhood is the most expensive neighborhood in Houston, as the average rent for a one-bedroom unit is $1,999. There are plenty of reasons why this neighborhood draws residents. Medical Center is near attractions like the Houston Zoo, Herman Park, and the Houston Museum of Natural Science, making it a prime location to explore the city. The area also has views of the cityscape, making apartment views stunning. For renters living in Houston without a car, the bus and light rail stops in the Medical Center area.

2. Astrodome

Average 1-bedroom rent: $1,676
Apartments for rent in Astrodome

Astrodome is a bustling area that’s south of Medical Center. This beautiful neighborhood is home to lots of attractions like NRG Stadium and the Houston Astrodome. Astrodome is well-known for its nearby green spaces like Hermann Park and the charming shops and cafes along Main Street. The average rent for one-bedroom apartments is $1,676, which is about $400 above the city’s average, making it a pricier neighborhood. However, Astrodome’s busy atmosphere and amenities may be worth it.

3. Midtown

Average 1-bedroom rent: $1,675
Apartments for rent in Midtown

With an average one-bedroom rent of $1,675, Midtown is the third most expensive neighborhood in Houston. This neighborhood has plenty of historic homes in styles like Victorian and Craftsman, as well as modern high-rise buildings. Midtown is also near highways like I-45 and I-69, making it a convenient location for commuters. There are plenty of activities in Midtown, such as the Warehouse Live, MATCH, and the Buffalo Soldiers National Museum. If you’re looking for a relaxing afternoon, Baldwin Park and Midtown Park are in the area.

4. South Central Houston

Average 1-bedroom rent: $1,636
Apartments for rent in South Central Houston

South Central Houston is the next most expensive neighborhood in Houston. This neighborhood is known for its central location near the Houston Museum District and the Medical Center. Home to some of Houston’s most popular neighborhoods, it’s no wonder it’s more expensive to live in South Central Houston. The South Central Houston neighborhood has a lot of shops and restaurants, like Coral Sword and Mandola’s Deli, reflecting Houston’s vibe. There’s always something new to check out in this neighborhood.

5. Greenway – Upper Kirby

Average 1-bedroom rent: $1,594
Apartments for rent in Greenway – Upper Kirby

Just about 5 miles from downtown, Greenway – Upper Kirby is a stellar neighborhood if you want to live close to downtown. While more expensive, the perks of living in Greenway – Upper Kirby may help offset the costs. For example, you can also walk to attractions like the Color Factory, the Menil Collection, and Plaza in the Park. You can also live in this neighborhood without a car, as about seven bus lines go through Greenway – Upper Kirby.

6. Inner Loop

Average 1-bedroom rent: $1,495
Apartments for rent in Inner Loop

Next up is Inner Loop, the sixth most expensive neighborhood in Houston. Inner Loop is full of history and charm with tree-lined streets, historic buildings, and museums. This area also has plenty of parks, restaurants, and attractions, so you’ll have lots to explore. Make sure to enjoy the outdoors at Memorial Park which has walking trails, the Houston Arboretum & Nature Center, and the Bayou Bend Collection and Gardens, Museum of Fine Arts, Houston. It’s no wonder the rents are above Houston’s average. However, you can also find some of the most affordable neighborhoods in Houston nearby.

7. Uptown-Galleria

Average 1-bedroom rent: $1,410
Apartments for rent in Uptown-Galleria

Located west of downtown, Uptown-Galleria is a well-known neighborhood, with its local cafes and restaurants along Westheimer Road, such as The Warwick and the House of Pies. You can also explore The Galleria, a famous Houston shopping center with department stores, museums, and restaurants. Since Uptown-Galleria is located near the Williams Tower and the Water Wall, its upscale lifestyle is one of the many reasons people live here.

8. Washington Avenue – Memorial Park

Average 1-bedroom rent: $1,395
Apartments for rent in Washington Avenue – Memorial Park

Washington Avenue – Memorial Park takes the eighth spot on our list of most expensive neighborhoods in Houston. The average rent for a one-bedroom unit is roughly $150 more than the city’s average. Washington Avenue – Memorial Park is a great option to consider if you’re looking to be near Memorial Park, which has walking trails, biking trails, and a golf course. It’s about 5 miles from downtown, which means you’ll have easy access to the city center without living in the bustling atmosphere. You can find a lot of unique activities in the area, like the popular Washington Avenue with restaurants and shops, the Art Car Museum, Buffalo Bayou Park, and the Bayou Bend Collection and Gardens.

9. Great Uptown

Average 1-bedroom rent: $1,375
Apartments for rent in Great Uptown

A well-loved Houston neighborhood, Great Uptown is the next area. Great Uptown the larger area that includes The Galleria, the Houston Country Club, and Wiess Park, meaning there’s plenty to do throughout the week. You’ll find there are countless historic buildings in Great Uptown, so make sure to explore the area’s charm. If you need to commute to work, there are many options as the Westpark Tollway is nearby.

10. Greater Heights

Average 1-bedroom rent: $1,367
Apartments for rent in Greater Heights

The tenth most expensive neighborhood in Houston is Greater Heights. Also known as The Heights, this area has a vibrant feeling with its venues, popular restaurants, and quirky shops, like The Heights Theatre, Torchy’s Tacos, and Vinyl Edge Records. You can find lots of early 20th-century homes in pastel colors throughout the area, making it a great place to explore. Greater Heights also hosts the White Linen Night event each year, providing residents with lots of opportunities to enjoy their neighborhood.

11. Montrose

Average 1-bedroom rent: $1,350
Apartments for rent in Montrose

Taking the 11th and final spot on our list of most expensive neighborhoods in Houston is Montrose. The average rent for a one-bedroom apartment is $1,350, compared to the city’s average of $1,256. This neighborhood is about 3 miles from downtown, meaning it’s closer to some of the other popular neighborhoods like Midtown and Astrodome. Montrose’s expensive rent may be offset by its famous attractions like the Menil Collection, the Rothko Chapel, and Westheimer Road, which has countless bars, restaurants, and local shops to explore. The convenience of these activities might be worth it to move to the neighborhood.

Methodology: Whether a neighborhood has an average 1-bedroom rent price over the city’s average. Average rental data from Rent.com in March 2024.

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MOMENT Marketplace is a pop-up retail shop at Google Visitor Experience showcasing work by local small businesses and artists. Courtesy MOMENT.

At the new Google Visitor Experience, which opened at the company’s Gradient Canopy campus in Mountain View in October, you can, as you might expect, check out the Google Store, full of the latest tech products and branded Google merch. But nearby, tucked next to a cafe and community space, is a quite different type of store. Here, quirky, handmade art, home decor, skin care products, jewelry and much more are on display – from scented candles to crochet keychains. 

This is the MOMENT Marketplace pop-up shop, showcasing the work of more than 75 Bay Area indie makers with a theme that changes every three months. The pop-up is curated and operated by the team behind San Jose Made (SJMADE), which has a long history of working with artists and small businesses (the MOMENT brand also operates several micro-retailer projects in San Jose.)

Featured now is the Clay & Craft Pop-up Shop, highlighting clay-based goods as well as other products featuring “natural and Earth elements,” which will be up through April 22, according to MOMENT project coordinator Audrey Yeung.

Read on to meet a few of the makers featured at the MOMENT Marketplace right now.

Light & Flicker is based in Redwood City and is inspired by “everything cozy.” Courtesy Light & Flicker.

‘Everything cozy’: Light & Flicker

@lightandflicker.

Midnight Cottage Co.’s aesthetic is “witchy, cottage-core.” Courtesy Midnight Cottage Co.

‘Mushrooms and moons’: Midnight Cottage Co.

Melissa Szwec-Rowland, the maker behind Midnight Cottage Co., describes her work as having a “witchy, cottage-core” aesthetic with natural elements and celestial vibes.

midnight_cottage_co.

Erin Salazar’s one-stroke floral painting adorns everything from vinyl records to jewelry. Courtesy Erin Salazar.

‘Unabashedly feminine’: Little Shop of Florals

Erin Salazar’s “unabashedly feminine” work – stylized, colorful florals, often against bold black backgrounds, hand-painted on candles, earrings and even vinyl records – immediately stands out amongst the MOMENT Marketplace offerings, with each piece one of a kind.

“My work in that context revolves around this particular type of folk painting called one-stroke floral painting, a technique that is largely used in the decorative arts” (such as on bowls, plates and other decorated utilitarian objects), said Salazar, who is also a muralist. She paints with awareness of and appreciation for the generations of uncredited female artisans who came before her.

“Women’s work has not historically been valued in the way men’s has,” she noted, so for her, “the essence of the work is rooted in paying homage to the anonymous women who helped define visual culture through the decorative arts.”

The technique also helps her keep up an active painting practice even when life gets hectic. In addition to being a working artist, Salazar is the executive director of the San Jose-based arts nonprofit Local Color (which, among many other endeavors, hosts community art-making experiences at the Google Visitor Experience).

Artist Erin Salazar is a painter and leader of Local Color, an arts nonprofit. Courtesy Erin Salazar.

“I just like to paint a whole lot,” she said, but since she’s extremely busy, “I need something that goes fast, that’s rewarding immediately.” 

She sees the “little commodifiable goods” she makes for spaces like MOMENT Marketplace under the name Little Shop of Florals as creating “an entry point into seeing my bigger, more expressive studio and gallery-related work,” she said. 

“It’s been really wonderful to watch our businesses grow at the same point,” she said of San Jose Made and Local Color, “doing the good work of keeping the creative community going.” 

Instagram: @mauv.es.

MOMENT Marketplace (at Google Visitor Experience),  2000 N. Shoreline Blvd., Mountain View; Monday-Saturday 9 a.m. to 6 p.m., Sundays from 10 a.m. to 5 p.m.; Instagram: @momentpopup.

Source: paloaltoonline.com

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Perera says that evaluating the air quality is her first move when starting a project. She favors using a whole-house air purification system to remove dust, chemicals, and mold/mycotoxins from the air. “I’m partial to IQAir,” she offers, “because it’s the only company I have found to filter particles down to .003 microns, whereas most others are .3 or .03. That extra level of filtration makes all the difference in air quality for sensitive individuals.”

Designer Lonni Paul, who suffers from allergies herself, also opts for hospital-grade IQAir high-performance purifiers to remove allergens from the air, as does Doykhen, who further appreciates Dyson and Molekule for their sleek and stylish options. Her favorite solution, however, is a whole-house system like Zehnder, which attaches to ducting.

“Proper ventilation throughout the home helps reduce indoor humidity and prevents mold growth,” says Garcia, who adds air purifiers with HEPA filters in bedrooms and offices and deploys exhaust fans in kitchens and bathrooms. “Installing window screens is a great trick for keeping outdoor allergens from entering the space. I also tend to avoid heavy drapery and choose light washable curtains instead.”

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Doykhen concurs on the last point, and opts for roller shades in her projects. “If clients prefer curtains,” Doykhen notes, “I would recommend washable, organic hypoallergenic textiles.”

Adding some greenery can help too. “Plants such as ferns, snake plants, and aloe vera are known for their ability to remove indoor air pollutants,” says Garcia—and don’t require a green thumb to maintain.

Avoid common irritants

Formaldehyde, a common allergic bugbear that often crops up in building materials, furniture, flooring, or textiles, should also be on designers’ radars. “Thankfully, in the last five years there has been a premium placed on low-VOC and formaldehyde-free products,” explains Christa O’Leary of Home in Harmony Designs. “For my first layer of defense, I always look for products that are GreenGuard Certified,” she says, an indication that the product has few to no volatile organic compounds.

“Insulation materials such as gas blocks or foam can also be harmful,” Yakusha says, adding that it is crucial to inquire about the materials used in every home’s construction—the fewer materials emitting formaldehyde, the better. She advocates for walls constructed from clay-based materials and natural plasters, using natural elements like wood, wicker, clay, and ceramics, and specifying parquet or microcement for flooring. (Vinyl or linoleum coatings should be avoided.) “Be cautious of using materials like artificial stone, which may contain harmful substances,” she warns. “While it may not always be feasible to surround yourself with entirely natural products, strive to minimize exposure to artificial materials.”

“We spend so much time in our bedrooms that minimizing chemical and dust exposure during this time is critical,” says designer Christa O’Leary, who devised this interior. She prefers furniture that is Greenguard certified.

Courtesy of Home in Harmony Designs

O’Leary says that when a client has allergies in general, “we assume that this includes a sensitivity to dust particles,” which can easily get caught in fabric and carpeting. Going low-“fluff,” as she calls it—especially in bedrooms—can prevent accumulation of irritants in areas where occupants may face exposure. In bedrooms, Perera goes for nontoxic mattresses and sheets, as well as non-upholstered bed frames (metal or wood being go-tos). “We spend so much time in our bedrooms that minimizing chemical and dust exposure during this time is critical,” she says, noting that her firm is partial to Loom and Leaf mattresses and Tencel sheets.

Source: architecturaldigest.com

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*Rates and APYs are subject to change. All information provided here is accurate as of March 28, 2024.

Our writers and editors have invested thousands of hours analyzing and vetting lenders offering VA loans. Through exhaustive research, we’ve come up with a list of the best VA mortgage lenders for military members and their families, including Navy Federal, Rocket Mortgage and Veterans United. Read on for our Best VA loan lender reviews and a comprehensive lending guide on how to find and apply for a VA loan.

Money’s Main Takeaways

  • VA loans are one of the main benefits the federal government offers to retired and active-duty members of the military
  • Borrowers can qualify for a VA loan with a lower credit score and 0% down payment compared to conventional loans
  • There is no private mortgage insurance, but borrowers will be required to pay a funding fee
  • VA loans offer competitive interest rates compared to other loan options

Our Top Picks for Best VA Loan Lenders of April 2024

Best VA Loan Lenders Reviews

  • Lowest fees on our list
  • Non-VA mortgage options that require no down payment
  • 356 branches worldwide
  • No lender fees
  • Small number of branches within the U.S.
  • Membership strictly limited to military members, spouses, family members, veterans and the Department of Defense
  • Customized rates only offered to members

HIGHLIGHTS

Sample rate
5.750% (6.223% APR) on a 30-year fixed-rate purchase loan of $300,000
Minimum credit score
Unstated, VA recommendation of 620 is suggested
Minimum down payment
0% for qualifying borrowers
Availability
Continental U.S.
Pre-approval time
Approximately 3 business days
Mobile app
Yes
NMLS ID
399807

Why we chose it: A combination of low lender fees, several loan assistance programs and a wide selection of mortgage loans make Navy Federal Credit Union our best VA loan lender overall.

Navy Federal Credit Union offers military families low rates on financial products, such as personal loans, auto loans and credit cards. The credit union’s VA home loan program features a fast pre-approval process and loan options with no down payment. No PMI is required, either. Navy Fed also recently introduced its no-refi rate drop, where you could qualify for an interest rate reduction without going through the refinancing process.

Additionally, Navy Federal’s Shop & Lock feature allows you to lock in your rate for up to 60 days while you shop for a home, plus an additional 60-day lock once you’ve submitted a purchase agreement. Other perks include up to $9,000 cash back for working with a real estate agent at RealtyPlus, the credit union’s real estate service and a rate match guarantee where Navy Federal will match a better rate offered by another lender or give you $1,000 if all qualifying conditions are met.

Membership is required to use Navy Federal’s services. All active duty, retired and veteran service members of all armed forces branches — plus their families, immediate relatives and some household members — are eligible. Membership is also open to Department of Defense civilian personnel. To become a member, you simply open a savings account with a minimum of $5.

  • Access to your loan information is available 24/7 with the proprietary mobile app
  • Credit scores as low as 580 accepted
  • Debt-to-income ratios as high as 60% accepted
  • No HELOCs offered
  • No USDA loans offered
  • No physical locations for in-person service

HIGHLIGHTS

Sample rate
5.99% (6.429% APR) with 2.125 points purchased ($5,843.75) on a purchase loan of $275,000
Minimum credit score
580
Minimum down payment
0% for qualifying borrowers
Availability
All 50 U.S. states
Pre-approval time
10-15 minutes
Mobile app
Yes
NMLS ID
3030

Why we chose it: Rocket Mortgage’s (formerly Quicken Loans) fully online application and closing process, along with its multiple tools for keeping track of your in-process and existing loans make it our pick for best online VA loan lender.

Rocket Mortgage is an online lender that stands out for its relatively seamless online mortgage application process. While the experience may vary depending on each borrower’s situation, Rocket Mortgage’s website and mobile app allow you to submit all of your paperwork digitally and track every step of your loan’s processing.

While you have the option of speaking with a live representative, you can also communicate with Rocket Mortgage through online or mobile messaging.

Although Rocket Mortgage doesn’t have the broadest loan offering, it does work with all the major VA loans (purchase, refinance, IRRRL) and considers credit scores as low as 580 and debt-to-income ratios as high as 60%. Borrowers buying a home through Rocket Homes and financing through Rocket Mortgage could get a 1.25% closing credit, up to a maximum of $10,000.

For more detailed information, read our full review of Rocket Mortgage (Quicken Loans).

  • Broader selection of veteran-focused loans than competitors
  • Offers real estate services for veterans
  • Customer support is available 24/7
  • No HELOC products offered
  • Only 26 affiliate branches across 17 states

HIGHLIGHTS

Sample rate
5.875% (6.307% APR) with 1.5630 points purchased ($4,610.85) on a 30-year fixed-rate purchase loan of $295,000
Minimum credit score
600
Minimum down payment
$0 for qualifying borrowers
Availability
All U.S. states
Pre-approval time
Not stated
Mobile app
Yes
NMLS ID
1907

Why we chose it: Veterans United offers more veteran-focused mortgage options than the standard purchase, refinance and streamline products, making it our choice for best VA loan lender for VA loan variety.

Veterans United guarantees more loans than any other VA-approved lender, according to The Department of Veterans Affairs. The VA compiles a list each month of the top lenders, and Veterans United Home Loans hasn’t budged from its number-one spot in more than six months.

In addition to its reasonable qualifying credit score and income requirements, Veterans United offers a wide variety of loan types: purchase, refinance, IRRRL (streamline) VA loans, Jumbo VA loans, VA energy-efficient mortgages and VA cash-out refinance loans.

Jumbo VA loans can be a good option for veterans who no longer have their full VA entitlement, which means that their VA loans have a limit placed on the total amount borrowed (unlike veterans with full entitlement). Energy-efficient mortgages are not common to VA loans and are a good option for anyone looking to add energy-efficient improvements to their new home.

  • Second-lowest fees of any lender we’ve reviewed
  • Loan amounts up to $1 million
  • No PMI insurance required
  • Alternative or non-traditional credit and income data not considered for loan applications
  • Funding fee required

HIGHLIGHTS

Sample rate
5.75% (6.024% APR) with 1.125 points purchased on a 30-year fixed-rate purchase loan of $450,000
Minimum credit score
620
Minimum down payment
0% for qualifying borrowers
Availability
All U.S. states
Pre-approval time
Within three business days
Mobile app
Yes
NMLS ID
401822

Why we chose it: PenFed currently offers the lowest mortgage rate for a 30-year fixed-rate loan, which makes it our pick for the best VA loan lender for competitive rates.

When it comes to VA loans and mortgages, PenFed Credit Union stands out for offering some of the lowest rates across the board on conventional, FHA, VA, Jumbo and adjustable-rate mortgages. Eligible borrowers may qualify for zero down payment. Additionally, PenFed doesn’t require borrowers to acquire private mortgage insurance (PMI).

You must be a member of PenFed to use PenFed’s VA loan services, but joining is an easy process: Simply open a savings account at the credit union with a minimum of $5.

For more detailed information, read our full review of Penfed.

  • Accepts credit scores as low as 600
  • Variety of mortgage products available
  • Self-employment and nontraditional income accepted
  • Physical branches only in Missouri
  • Other fees apply

HIGHLIGHTS

Sample rate
6.625% (6.864% APR) on a 15-year fixed-rate purchase loan of $300,000
Minimum credit score
600
Minimum down payment
0% for qualifying borrowers
Availability
All U.S. states
Pre-approval time
Not stated
Mobile app
Yes
NMLS ID
400039

Why we chose it: North American Savings Bank is dedicated to servicing customers in the Kansas City, MO area, but it extends its mortgage services to individuals all over the U.S. Notably, NASB works with borrowers with credit scores as low as 600, lower than what other many lenders allow.

No origination fees are charged on VA loans from NASB, but a VA loan funding fee may be required. Many loans don’t require a down payment, either. NASB offers a loan payment calculator on its site where borrowers can see potential VA home loan rate scenarios.

In addition to standard VA loan products (purchase, IRRRL, cash-out refinance), North American Savings Bank offers the widest variety of mortgage options for individuals who are unable to provide “traditional” credit and income data, such as people who are self-employed.

  • VA Cash-out refinance, IRRRL and Jumbo IRRRL available
  • Discounts for bundling services (e.g. home and auto insurance) 
  • Variety of discounts through USAA Perks (car rental, travel, shopping)
  • Requires membership in USAA
  • No home equity loans or lines of credit

HIGHLIGHTS

Sample rate
6.125% (6.447% APR) with 0.801 points purchased for a fixed-rate purchase loan and 5.875% (6.196% APR) with 0.933 points purchased for a VA Jumbo purchase loan
Minimum credit score
620
Minimum down payment
0% for qualifying borrowers
Availability
All U.S. states
Pre-approval time
Not disclosed
Mobile app
Yes
NMLS ID
401058

Why we chose it: For those looking to refinance their existing VA loan, USAA offers all of the possible options with competitive rates and terms.

USAA stands out as a VA loan refinance leader for offering all the available options: VA Interest Rate Reduction Refinance Loans (IRRRL), VA Jumbo Interest Rate Reduction Loans, VA Cash-Out Refinance Loans and Jumbo VA Cash-Out Refinance Loans. With either cash-out refinance, you can refinance up to 90% of your home’s value. With IRRRLs, you can refinance up to 100%.

However, rates at USAA aren’t the lowest among the lenders in our top picks. Still, the company’s rates are within the typical range for the market and the option to finance your VA funding fee into your total loan amount is available with all four refinance types.

USAA offers additional financial products and services, such as insurance, banking and investing. All of its products are available only to members. Military members, veterans, their spouses, children, and pre-commissioned officers are eligible.

Members also get discounts for bundling (e.g. home and auto insurance) as well as discounts on car rentals, travel packages, home security, moving services, select retailers and more.

*USAA does not disclose the credit score, loan amount or down payment of its advertised rates. To get a better estimate of your potential monthly payment, use the USAA VA Home Loan Mortgage Payment Calculator.

  • Allows you to compare multiple mortgage lenders’ rates at the same time
  • Over 1,500 partnered lenders in its network
  • Offers credit monitoring tools
  • Limited contact options
  • Customer support does not address issues with the lender of your choice
  • Does not service loans

HIGHLIGHTS

Minimum credit score
Varies by lender
Minimum down payment
Varies by lender
Availability
Varies by lender
Pre-approval time
Varies by lender
Mobile app
Yes
NMLS ID
1136

Why we chose it: LendingTree is an online marketplace that allows you to compare rates on multiple products, from mortgages to personal loans and even credit cards, making it our pick for the best marketplace for comparing VA loan rates.

LendingTree stands out from its competition due to its more than 1,500 partnered mortgage lenders and easy-to-use mobile app.

Borrowers can request multiple quotes (up to three at the same time), which include projected rates and closing costs all in one place. It is also free to use and doesn’t impact your credit score.

The only notable downside to LendingTree’s services is that the company is not a loan servicer or originator, meaning that its customer support will not handle most issues that may come up during your loan process.

LendingTree does not provide sample rates for VA loans specifically. However, you can use the online marketplace’s mortgage comparison tool to check potential rates.

For more details read our full review of Lending Tree.

  • Minimum credit score is 580
  • “I CAN” loan offers customizable loan terms
  • Buydown option to lower interest rate for first 1-3 years
  • No interest rate or APR info publicly available
  • Must enter contact info to get rate estimates

HIGHLIGHTS

Sample rate
6.250% (6.563% APR) with 3 points purchased on a 30-year fixed-rate for a purchase loan of $726,200
Minimum credit score
580
Minimum down payment
0% for qualifying borrowers
Availability
All 50 U.S. states
Pre-approval time
Within 24 hours
Mobile app
Yes
NMLS ID
6606

Why we chose it: New American Funding is our top pick for low credit score requirements for VA loans. While its 580 minimum credit score requirement is not unique on the list, it has a vast selection of mortgage loans. Beyond the VA Purchase Loan, there’s also a VA Native American Direct Loan, VA Energy Efficient Mortgage, VA Streamline Refinance Loan and VA Cash-Out Refinance.

Notably, it offers what NAF refers to as an “I CAN” loan, which allows you to choose a custom fixed loan term between eight and 30 years. It also offers a “buydown mortgage” option for VA loans, which allows borrowers to reduce the interest rate on their mortgage for the first one to three years of their loan.

To get a quote, you must contact a representative online or by phone, which requires providing personal information — first and last name, email address and phone number.

For more detailed information, read our full review of New American Funding.

  • Over 400 branches across 48 states
  • Accepts credit scores as low as 580
  • Offer specialized mortgages for physicians
  • No branches in Alaska or West Virginia
  • Rates not disclosed unless you call or submit an online form requesting a callback
  • Phone customer service hours (M-F, 8:30 am-5 pm CST) may be too restrictive for some

HIGHLIGHTS

Sample rate
Unavailable
Minimum credit score
580
Minimum down payment
0% for qualifying borrowers
Availability
Licensed in all 50 U.S. states; in-person service available in ll U.S. states except Alaska and West Virginia
Pre-approval time
Undisclosed
Mobile app
Yes
NMLS ID
2289

Why we chose it: Fairway Independent Mortgage’s presence in 48 out of 50 U.S. states makes it our top pick for in-person mortgage loan servicing.

Fairway Independent Mortgage is notable for its many branches across all but two U.S. states (Alaska and West Virginia), making it an ideal choice for individuals who prefer in-person service. The company offers VA mortgage loans with 100% financing if you have full VA entitlement.

A down payment will be required if you don’t have full VA entitlement or the loan exceeds the VA county limits. Like other VA loan lenders, Fairway Independent Mortgage also considers factors such as credit score and income when determining loan terms.

Fairway also offers a broad range of mortgage products which can be helpful for those who are unable to qualify for a VA loan. Among these loan products are specialized physician loans aimed at medical professionals still working through repaying their student loans.

For more detailed information, read our full review of Fairway Independent.

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Other VA loan lenders we considered

While there are many mortgage lenders with outstanding products and features, they don’t necessarily have everything that could make them one of our top picks.

We reviewed the following lenders, and while they meet some of our criteria for “Best VA home loan lenders” (low rates, VA loan experience, good customer service), they ultimately didn’t make the cut.

Freedom Mortgage

  • 550 credit score minimum is the lowest on our list
  • Fully online loan process
  • Variety of calculators and educational resources on their site
  • Rates are only provided by calling for an estimate or signing up for online alerts
  • High number of CFPB complaints
  • Does not offer HELOCs

Why Freedom Mortgage didn’t make the cut: The lender has over 2,800 complaints lodged with the Consumer Financial Protection Bureau since March 2021. The Better Business Bureau has received over 1,200 complaints about the lender in the last three years and its accreditation was revoked.

Freedom Mortgage is a fully online lender that offers standard mortgage products such as conventional purchase and refinance loans, FHA, VA and USDA loans. What makes it stand out is its credit score requirement of 550 for VA loans, which is the lowest of any lender we considered.

Veterans First

  • Fully online loan process, helpful for military members deployed overseas
  • Educational resources
  • Specializes in VA loans
  • Higher credit score requirements than any lenders we’ve reviewed (mid-600s)
  • Offers no home equity loans
  • No rate information on its website

Why Veterans First didn’t make the cut: The higher-than-average credit score requirement (mid-600s) was a deciding factor in keeping it out of our top list.

Thanks to its fully online mortgage process, Veterans First (NMLS ID 449042) is a great choice for military members deployed overseas. Its focus on VA loans also means that the company is better prepared to attend to the specific needs of military members and veterans during the mortgage process.

Paramount Bank

  • Origination fees waived for VA loans
  • No prepayment penalties for VA loans
  • No fee or rate information on its website
  • No information on loan requirements on its website (minimum credit score, DTI, etc.)

Why Paramount Bank didn’t make the cut: Its general lack of upfront information about rates, fees and credit score requirements kept it out of our top lenders.

Paramount Bank (NMLS ID 551907) waives the lender’s origination fee ($1095) on all of its VA loans, making it an option worth considering. There are no prepayment penalties, either.

Flagstar Bank

  • Considers credit scores as low as 580 for VA loans
  • Collaborates with down payment assistance and other special mortgage programs
  • Large selection of mortgage products for those who don’t qualify for a VA loan
  • Branches located in only 28 states
  • $75 annual fee for home equity line of credit (HELOC) loans
  • High number of complaints with CFPB in the last three years (1,000+)

Why Flagstar Bank didn’t make the cut: Flagstar’s lack of branches in almost half of the U.S. and limited rate and fee information on its website kept it out of our top picks. For more details, read our full review of Flagstar Bank.

Flagstar Bank (NMLS ID 417490) is a notable mortgage lender thanks to its wide variety of mortgage loans offered and its collaboration with several special mortgage programs such as down payment assistance and home loan grants.

PNC

  • Mortgage rate calculator allows for scenarios with credit scores as low as 620
  • Individuals with credit scores under 620 may be offered alternative loan options
  • Mortgage rates are only slightly above average (~0.2%)
  • Relatively small selection of loan products
  • No specialized VA loans
  • Contact information and branch locations are not easy to locate

Why PNC didn’t make the cut: While full details aren’t available without speaking to an agent, PNC’s rate calculator shows rates slightly higher than many of our top picks.

PNC (NMLS ID 446303) has a standard offering of mortgage products, including conventional, FHA, VA, refinance and HELOC loans. PNC only offers a partially online loan application process. You can perform a digital income and asset verification, but you must speak with a loan officer to go over your loan details.

LoanDepot

  • Strong focus on digital mortgage processing allows a fully online mortgage experience
  • Over 200 affiliate branches nationwide
  • Credit score minimums and loan eligibility criteria are not disclosed upfront
  • Relatively small loan offering
  • No HELOCs offered

Why LoanDepot didn’t make the cut: Its website doesn’t disclose credit score and other loan eligibility requirements. For more details, read our full review of LoanDepot.

LoanDepot (NMLS ID 174457) is a primarily online mortgage loan lender with several affiliate branches across the U.S. Its loan products include conventional purchase mortgages, FHA, VA, ARM (adjustable-rate) and 203k (FHA home renovation) loans. LoanDepot’s digital income and assets verification tools can significantly speed up the loan approval process in some cases.

Guild Mortgage

  • Broad mortgage loan offering, including energy-efficient home mortgages
  • Accepts down payment assistance programs
  • Services its own loans
  • Rates are only disclosed after reaching out to Guild
  • No branches in IN, KY, MI, MN, MS, NY, or WV

Why Guild Mortgage didn’t make the cut: No rate information is publicly available; you must contact Guild for details. For more information, read our full review of Guild Mortgage.

Guild Mortgage (NMLS ID 3274) offers a variety of mortgage options beyond VA loans, including bridge mortgages that can help you sell your current home while shopping for a new one and energy-efficient mortgages.

Guild is also a good choice for people who prefer in-person service, since they have branches in all but seven U.S. states. Notably, Guild services its loans, which is something that not all mortgage loan originators do.

Guaranteed Rate

  • Housing market research tool available
  • Home valuation tool available
  • Credit scores as low as 580 accepted for VA loans
  • Conventional mortgage rates are higher than average (around 0.7% higher)
  • Limited offering of VA loan products

Why Guaranteed Rate didn’t make the cut: Its VA loan product offerings are limited.

Guaranteed Rate (NMLS ID 2611) is a mortgage lender that allows borrowers to fully process their loan applications online, from start to finish. Individuals who prefer in-person service can also go to one of its 500+ locations across 46 states.

Movement Mortgage

  • Offers several high-balance mortgage products (jumbo loans)
  • Considers credit scores as low as 580 for VA loans
  • Down payment assistance options available
  • Streamlined underwriting process that can close loans in as little as a week
  • Mortgage rates can only be obtained after contacting Movement
  • No 24/7 customer service
  • No physical locations

Why Movement Mortgage didn’t make the cut: Rate information isn’t publicly available to potential borrowers; you must contact the company for details. For more information, read our full review of Movement Mortgage.

Movement Mortgage (NMLS ID 39179) is an online mortgage lender that claims to be able to fully close on a loan in under two weeks, though these results will depend on each borrower’s situation. Notably, Movement considers credit scores as low as 580 for VA loan applications, well under the VA’s suggested 620.

Besides its VA loan products, Movement also has several down payment assistance and high-balance mortgage options, which are helpful for individuals looking to purchase in high cost-of-living areas.

NBKC Bank

  • Provides nationwide mortgage service, despite being a regional bank
  • Mortgage rate calculator allows credit scores in the 300s
  • Offer specialized mortgages for pilots
  • Only four branches split between Kansas and Missouri
  • Mortgage rates can be as much as 1.5% higher than our top picks
  • Mortgage rate calculator is not easy to access

Why NBKC Bank didn’t make the cut: Its VA loan rates are a bit higher than those of our top picks. For more details, read our full review of NBKC.

NBKC Bank (NMLS ID 409631) is a Kansas/Missouri regional bank that extends its mortgage services nationwide. While its loan offerings are standard (conventional, FHA, VA), it offers specialty home loans for pilots.

Notably, it is one of the few lenders that allows customers to obtain mortgage rates for credit scores under 500, although you’re not guaranteed results below that threshold. Its mortgage rates are also considerably higher than average (up to 1.5% higher).

VA Loans Guide

A VA loan is a home loan issued by private lenders and backed by the U.S. Department of Veterans Affairs (VA). Read on to learn more about VA home loans, their pros and cons, the associated costs and how to apply.

How does a VA loan work?

VA loans are one of the main benefits the government provides to active duty and retired members of the armed forces. Eligibility will depend on the borrower’s years of service. There are also property requirements that must be met. Read more on VA loans to find full details and see how a VA loan can help you achieve your homeownership goal.

Beyond military service requirements, some VA loan lenders require specific standards of creditworthiness. These details will vary by lender, but can include a credit score of 620 or higher and a debt-to-income ratio of 41% or less. (You can calculate your specific percentage using our debt-to-income ratio calculator.)

VA loans offer two big advantages for qualifying homebuyers. There is no required down payment, and the mortgage rates tend to be lower than those on conventional mortgages or FHA loans. Both of these features make a VA loan a more affordable financing option, especially for first-time homebuyers.

The VA no longer places maximum loan limits, but your VA mortgage lender might. In most U.S. counties, the maximum loan amount for 2024 is $766,550, but it can be as high as $1,149,825 in more expensive areas. Jumbo loans will have a higher limit.

Types of VA loans

The U.S. Department of Veterans Affairs offers four different types of mortgages — VA purchase loan, interest rate reduction refinance loan (IRRRLs), cash-out refinance loan, and Native American direct loan — each with its own set of requirements and limitations. Evaluate all loan options before deciding which best VA mortgage lender suits your needs.

Purchase loan

Purchase loans are used to finance the buying of a primary residence, make energy-efficient upgrades to an existing home or buy property to build a house. They cannot be used to buy investment properties, vacation homes, rental properties or fixer-uppers in need of significant repairs.

To learn more, read our guide on VA purchase loans.

Interest Rate Reduction Refinance Loan (IRRRL)

Designed to refinance an existing VA mortgage, a streamlined refinance can get you a lower interest rate, reduce the loan term, or go from a variable-rate to a fixed-rate mortgage.

Cash-out refinance loan

A VA cash-out refinance allows you to access the equity you’ve built up in your home by applying for a new mortgage with a higher balance. The proceeds of the new loan will pay off your old mortgage and you’ll receive the excess amount in the form of a lump sum payment.

Learn more about how to tap into your home equity with a VA cash-out refinance or read our guide on on how to refinance a VA loan to get more information on refinancing.

Native American Direct Loan (NADL)

NADL is the only VA loan managed and funded directly by the government entity. Veterans who are Native American (or whose spouses are Native American) are eligible for this loan. Borrowers can use this loan to buy, build, or improve a home on federal trust land.

As of this writing, there is no limit to the amount of money that can be borrowed with this program (aside from the limitations imposed by creditworthiness, DTI, and general Fannie Mae/Freddie Mac conforming limits, though borrowers can access higher limits if they choose to make a down payment).

Additional VA-backed loan programs

VA Energy Efficient Mortgage (EEM)

Finance energy efficient home improvements, such as a solar water heater, solar panels, storm doors on windows and furnace efficiency modifications, through an EEM. Ineligible home upgrades include A/C units, vinyl siding and new roofing or shingles.

VA renovation loan

Also called a VA rehab loan or a reno loan, a VA renovation loan is a way to include the cost of home repairs and improvements in your VA home loan amount. No luxury upgrades are allowed. This loan is intended for repairs such as heating and cooling system replacement, upgrades to make the home more accessible for people with disabilities and the replacement of old appliances.

VA loans for manufactured homes

You can get financing for a manufactured home, also known as a mobile home or a modular home. However, there is a 25-year maximum loan term on larger units, and a 20-year loan term limit on smaller units. Lender credit requirements for VA mobile home loans may also be higher than loans for conventional homes. The mobile home must also have a permanent foundation and comply with safety standards set by the U.S. Department of Housing and Urban Development (HUD).

To explore other home loan options or check out current mortgage rates, our page of the best mortgage lenders can be an excellent place to start.

There are specific requirements you must meet to qualify for a VA home loan.

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How to qualify for a VA Loan

There are specific requirements you must meet to qualify for a VA home loan.

The VA home loan program and its military benefits are available for:

  • Active-duty military members
  • Veterans
  • Past and present members of the National Guard
  • Surviving spouses of military personnel who died in combat

A VA home loan does not have a minimum credit score requirement, but most participating VA loan lenders require a minimum credit score of 620. Our advice? Always check your credit report and debt-to-income ratio before applying for a loan and improve it if you can. (Be sure to read our guide on how to dispute your credit report.)

Service requirements

VA loan eligibility depends on the length of service of the applicant. These are the requirements as set by the VA:

  • Veterans and active-duty service members must have served at least 90 days during wartime or 181 days during peacetime.
  • National Guard members must have served at least 90 days of active-duty service during wartime or six years of creditable service in the Select Reserves or Guard.
  • Two kinds of discharges from military service may affect eligibility determination: Other Than Honorable (OTH) and Bad Conduct.
  • The specific circumstances of a veteran’s discharge will be considered, which could take Veterans Affairs (VA) months to evaluate.

In all cases, once deemed eligible, you must apply for a Certificate of Eligibility (COE). The COE proves to the VA mortgage lender that you meet the VA’s eligibility requirements.

How to apply for a VA home loan

After confirming eligibility for a VA loan, take the following steps to apply:

  • Shop around for a lender and compare rate quotes before settling on the one that best fits your needs.
  • Submit your loan application. The lender will request a VA appraisal of the house. The lender reviews the appraisal, your credit history and income and decides if it accepts your loan application.
  • Apply for your COE and contact your state’s regional VA loan center to start the process directly with the government, in the case of Native American Direct Loans.

Once your lender accepts your application, they’ll work with you to select a title company (or entity) to close on the house.

If you have any questions that your lender can’t answer, please call your VA regional loan center at 877-827-3702. You can also watch a video on the official U.S. Dept. of Veteran Affairs’ YouTube page to learn more about VA home loans and how to apply.

How to get a VA loan with bad credit

Some lenders will issue a VA loan to veterans and service members with credit scores as low as 580 or lower. Freedom Mortgage, for example, will accept a credit score as low as 550. However, most lenders will require a minimum credit score of 620.

If you don’t meet the minimum credit score required, you should work on improving your personal finances. Paying the bills on time, paying off any debt you currently have and contacting the reporting agency to fix any errors are some steps that can help improve your score.

More About VA Mortgage Loans

Best VA Loan Lenders FAQs

What is a VA home loan?

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A VA loan is a no-down-payment mortgage military benefit partially backed by the Department of Veterans Affairs (VA). Borrowers can use the loans for the purchase of a primary residence or to refinance an existing mortgage.

Who qualifies for a VA loan?

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To qualify for a VA loan, you or your spouse must meet the basic service requirements set by the Department of Veterans Affairs (VA), have a valid Certificate of Eligibility, and meet the lender’s income and credit requirements.

How many times can you use a VA loan?

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You can use a VA loan more than once but only to purchase or refinance a principal residence, provided you meet the availability requirements. However, you may be able to use a partial entitlement for a second loan if you haven’t used it all on your first mortgage. Remember that using a partial entitlement may mean you’ll need to shell out a down payment and a higher VA funding fee.

Are VA loans assumable?

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Because VA loans are backed by the U.S. government, they can be assumed by a new lender even if they are not active military or veterans. In order to assume a VA loan, the new borrower must have a minimum credit score of 580, a DTI of 45% or lower, pay the VA funding fee and ensure the home will be their primary residence. In some cases, a down payment may also be required.

How long does it take to close a VA loan?

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VA loans typically take a little longer than a traditional mortgage loan to close. Although the experience may vary from one person to another, VA loans take about 50 to 55 days to close on average. However, it is possible to close on a VA in as little as 30 days in some cases.

Does a VA loan require mortgage insurance?

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No, VA loans do not require private mortgage insurance or any other type of mortgage insutance that is required by other loan types, such as conventional and FHA loans. The lack of an insurance requirement is one of the main benefits of obtaining a VA loan, along with not having to make a down payment.

Do VA loans have closing costs?

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Yes, VA loans have closing costs, which can amount to 3% to 6% of the loan amount. These costs include fees associated with the loan origination and underwriting, title insurance and recording fees and the VA appraisal fee, among others. The VA funding fee, which ranges between 1.25% and 3.3% of the loan amount, is also due at closing but can be rolled into the loan. The home seller can pay up to 4% of the closing costs on a VA loan.

How We Chose the Best VA Loan Lenders

Given that many mortgage lenders offer similar products across the board, we narrowed our search criteria to three factors: rates, experience and customer service.

  • Rates – We chose VA loan lenders that offered the lowest rates to ensure your mortgage payments fall in line with your budget.
  • Experience in VA Loans – We prioritized VA mortgage lenders that process many VA loans. Having a VA mortgage lender who is familiar with this process ensures that every step of your home purchase is taken care of on time.
  • Customer Service – We highlighted VA mortgage lenders that excel in customer satisfaction and provide first-time homeowners step-by-step guidance throughout the pre-approval, application and loan closing.

We also made sure that our picks are registered with the Nationwide Multistate Licensing System and Registry (NMLS) and meet the minimum certification requirements for mortgage lending.

Though we always try to include accurate and up-to-date information on regulatory and legal actions, we don’t claim this information is complete or fully up to date. Interest rates and annual percentage rates are subject to change. As always, we recommend you do your own research as well.

Summary of Money’s Best VA Home Loan Lenders of April 2024

Source: money.com

Apache is functioning normally

Le Centquatre Paris invites you to the new edition of its vide-dressing, on the weekend of February 17-18, 2024. Head for the artistic spot in the capital’s 19th arrondissement to discover a fine selection of clothes, accessories and lifestyle items at mini prices, for the whole family!

Fashionistas, bargain hunters and style aficionados, get ready to heat up your credit card! Le Centquatre Paris is back with a new fashion sale for a 2024 edition that promises to be extra-special!

Fashion & Shopping tips for February 2024, in Paris and the Ile-de-France region
Fashion may be a luxury, but it’s not inaccessible! From major vintage events, to free couture exhibitions, to stylish events in unusual or iconic locations, this guide takes you through the capital to bring you the best fashion & shopping hotspots of February 2024! [Read more]

On the weekend of February 17 to 18, 2024, Le Centquatre Paris, this artistic haven located in the 19th arrondissement of the capital, opens its doors wide for two days of intense shopping and stylish discoveries: men’s, women’s and children’s clothing, accessories, new beauty products, decorative objects, books and vinyl, there’s plenty to choose from! Whether you’re looking for the perfect pair of jeans, that vintage T-shirt that will make everyone jealous, funky accessories or decorative nuggets for your home, you’ll find something to satisfy all your fashion and lifestyle desires at mini prices.

A relaxed atmosphere and unique pieces await you for an ultra-cool shopping experience! Between fittings, take the opportunity to discover the emerging talents of the Parisian art scene who make Le Centquatre Paris so unique.

So get yourself down to the 19th arrondissement’s arty spot on Saturday February 17 and Sunday February 18 to shop, bargain and, above all, enjoy!

Take the opportunity to discover the current exhibition at Centquatre Paris:

Tracé Bleu – What to do in this place, unless you’re thinking about it? Free exhibition at Centquatre Paris
Tracé Bleu – What to do in this place, unless you’re thinking about it? a free architectural exhibition, is on offer at Centquatre Paris from January 27 to March 10, 2024. Produced by Architecturestudio, it invites visitors to reflect on architecture and the climate emergency. [Read more]

Source: sortiraparis.com

Apache is functioning normally

While we firmly believe that home is where the heart is, we also know that unnecessary clutter and disjointed decor can encourage chaos rather than comfort in our most treasured spaces. The first step of any home improvement is to declutter your existing collection of items and decor, choose which items deserve a spot in your updated space, and then immediately get rid of the excess stuff. 

Once you’ve cleaned out your existing collection, create an attainable mood board of your ideas, colors, decor pieces, and furniture that will best reflect your goals for that space. Once you decide on your home aesthetic, you can begin shopping and then staging your home! 

Finding an aesthetic that inspires your best self isn’t as difficult as it may sound! We’ve compiled a list of popular home decor styles that are easily integrated into your home – big or small. If you’re looking for more ideas, check out this article on last year’s major trends.

Let’s get into it! 

Evie’s product selections are curated by the editorial team. If you buy something through our links, we may earn an affiliate commission, at no cost to you. We only recommend products we genuinely love.

Coquette

Love the frills of the coquette aesthetic? We do too! This trending fashion aesthetic is an ultra feminine home decor style that is easy to put together – even if you aren’t an interior decorator. The color scheme of this aesthetic is pink and white, with an emphasis on bows, florals, and simplicity. If you want to fully commit to both the style and home decor aesthetics, your beauty products can double as tabletop decor – display your fragrances and hair accessories as the focal point of the room. 

Here are a few of our coquette picks to inspire your decor refresh!

Artfully Walls I Still Read Fairy Tales Wall Art, $158

UO Big Bow Comforter, $200

UO Home Heart Stemmed Bud Vase, $12

Eclectic Grandpa

The eclectic grandpa aesthetic has been trending on TikTok for a while, and the home decor inspo is a perfect combination of colors, patterns, and shapes that encourage the ultimate cozy living space. While you may not want to camp out on another trending aesthetic, this term is quite helpful in defining your search and describing your design goals before you revamp your space! 

The eclectic grandpa aesthetic is essentially a muted version of your grandparents’ house, with an emphasis on bookshelves, dark wood, and vintage items. In a sense, the aesthetic is organized clutter with a muted color scheme and lots of greenery. To accomplish this decor look, you’ll need a variety of books (perfect items to thrift) as well as a central coffee table in your living room for eclectic items. 

Need to add a few pieces to your home decor? Check out our picks! 

Uma Fluted Glass Lamp, $68

UO Vinyl Record Storage Shelf, $119

The Terrain Houseplant Book, $35 

Garden Party 

Flowers are the original home decor piece, so creating a space that feels natural and inviting requires a floral emphasis. Play with different patterns that include one continuous shade, such as green, so your space reflects your favorite garden space. Shelf decor should include fresh flowers, and your wall decor can feature your favorite blooms in whatever art style you prefer! 

Let’s update your garden decor with a few new pieces!

Artfully Walls Blushing Wall Art, $178

Nathalie Lete Embroidered Velvet Pillow, $78

UO Botanical Stemmed Wine Glass, $14

Anthropologie Eden Platter, $68

Modern Farmhouse

While the farmhouse home decor aesthetic has been popular for a while, there are plenty of ways to accomplish this soft, clean decor style without caving to outdated, millennial basics. To keep this decor style fresh, you’ll need to incorporate a variety of different textures into your space, as well as some simple patterns that will cohesively blend with the range of beige and white tones. Patterned wallpapers are a major decor trend this year, which add the perfect final touch to your home! 

Ready to update your “sad beige” home into a modern cozy oasis? 

Farrow Ball Closet Stripe Wallpaper, $225

Safavieh 24in Flora Seagrass Table Lamp, $60

Anthropologie Carved Wooden Cake Stand with Glass Dome, $38

Coastal Classic

If you’re holding on to the remnants of the coastal grandmother aesthetic, this coastal classic home decor aesthetic is an elevated way to design your space. Light blue will be the primary color focus of your decor, along with bright shades of white and a classic wood finish. 

To avoid the instantly outdated components of this aesthetic, stay away from obvious artwork and decor elements that focus on ocean creatures. Shells, starfish, and boat shapes can be used in a classic way, but shouldn’t be the defining feature of your coastal classic home! 

Need to add a few new coastal pieces to your living room? Check out these gorgeous items! 

UO Toile Duvet Set, $100

Safavieh 26in Nissa Table Lamp, $70

Abrams Hardcover Coastal Blue Coffee Table Book, $40

Terrain Blue Floral Ceramic Vase Tall, $24

Elevated Preppy

Preppy home decor often invites the IG reels of sorority houses and dorm room decor to mind. However, there is an updated version of this bubbly pink and blue decor theme for your post-grad needs! The base of your home decor will be bright white (not beige), and the accents will feature pink and blue illustrations and objects. A white bed frame, bedspread, and bedside table create the perfect canvas for pink pillows, preppy artwork, and related items.  

 Here are a few fun home decor items to add to your collection!

Anthropologie Candace Mirror, $378

Balta 5X7 Covey Checkered Shag Rug, $70

Alja Horvat Yumi Cherry Tray, $59

Closing Thoughts

Choosing a home decor aesthetic is step one to enjoying your newly furnished place. Decorating your home should spark joy! 

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Source: eviemagazine.com