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A debt validation letter is a document — typically from a collections company — that shares the recorded details of an outstanding debt. This letter contains the amount you owe, the name of the original creditor, the date by which you’re required to pay the collections company, and the instructions for how to dispute it. It should also advise you that, if you plan to dispute the debt, the dispute must be filed within 30 days.

Obtaining a debt validation letter is an important step toward disputing a fraudulent debt or repaying a legitimate one. Read on to learn more about how a debt validation letter works and what to do if you receive one.

Defining a Debt Validation Letter

If a debt collector contacts you by phone, you should ask them to contact you in writing instead. That way, you will have an easy-to-reference document in hand, and you may be able to protect yourself from too frequent debt collection calls as well as from scammers.

Once you make your request, the collections agency is required to send you a debt validation letter, which lists the following information:

•   Debt collections agency’s information

•   Original creditor’s information (for example, a credit card company)

•   Account number associated with the debt

•   Amount owed

•   Information about how to file a dispute, including a tear-off form to make taking the next step easier

Once you have a debt validation letter, you can take a closer look to ensure you recognize the original debt. Then you can make a plan to repay it if it’s legitimate — or begin the dispute process if you have any doubts.

Purpose and Legal Basis

No matter what type of debt they’re seeking repayment for, collections agencies are legally required to offer debt validation letters. These ensure they’re seeking remuneration for legitimate debts only.

There are laws governing how often a debt collections agency can contact you. According to the Debt Collection Rule, which is part of the Fair Debt Collection Practices Act, it’s a violation of the law for debt collectors to call you more than seven times within a seven-day period or within seven days after getting you on the phone about a specific debt.

However, these restrictions do not apply to text messages, emails, or even contact via social media. Fortunately, though, such messages are required to offer a simple opt-out option.

When to Request Debt Validation

If you receive a validation of debt letter and you’d like to file a dispute, you can send a letter requesting proof that you owe the debt in the first place. The collections agency must be able to provide this proof, which is called debt verification, in order to continue to pursue your payment or report the debt to credit bureaus. You can also use this moment to formally ask the creditor not to contact you in any way other than written letters.

However, again, it’s critical that you ask for debt verification in a timely manner — as soon as possible after receiving the original debt validation letter. Debts that are not disputed within 30 days are presumed to be valid by the collector, so be sure to take care of the matter as quickly as possible.

Recommended: How to Pay Off Debt in 9 Steps

Debt Validation Process

Once you request debt verification, the collector must provide proof that you owe the original debt. This may include documentation from the original creditor. Some key next steps to know:

•   If the debt collections agency cannot provide this proof, they are legally required to stop pursuing your payment.

•   If they continue to do so, or report an invalid, fraudulent debt to the credit bureaus, damaging your credit history and score, you can sue them.

Benefits of Debt Validation Letters

If funds you legitimately owe have gone to collections, paying the debt off as quickly as possible is usually the best policy. Having a debt in collections can be very bad for your credit score, and collections agencies may be able to charge additional interest or even take you to court.

If you do need to pay off the debt, you can explore your options, such as finding a budgeting method that suits your needs or taking out a personal loan.

However, if the debt is not legitimate or the collections agency can’t definitively prove you owe the debt, requesting validation and verification can help you successfully file a dispute. This can also help you avoid paying money you don’t owe (as well as ongoing negative impacts to your credit history).

Recommended: Becoming Debt-Free

Drafting an Effective Debt Dispute Letter

A properly executed debt dispute letter should make it clear that you do not recognize the debt and believe it is not yours in the first place. You should also request documentation that proves you incurred the debt. The Consumer Financial Protection Bureau offers a letter template that you can use in this scenario, which makes the process as simple as personalizing the letter, printing it out, and sending it to the agency.

The Takeaway

A debt validation letter is a document that lists how much you owe, to whom you owe it, and who is trying to collect it. It also informs you about your right to dispute the debt. Once you receive a validation of debt letter, you can begin the dispute process by requesting debt verification. In addition, a debt validation letter can help you move forward if you are dealing with too frequent contact from a creditor or believe a scam may be involved.

Becoming debt free can be challenging — but it’s possible. One helpful tool could be 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

Do I have to pay a debt if validation is not provided?

If a collections agency contacts you, you should request a debt validation letter — because the agency is required by law to produce validation and verification if they are to continue to pursue your repayment. Additionally, having a debt validation letter in hand is the first step toward filing a dispute if it turns out the debt is illegitimate.

What happens if the creditor doesn’t respond to the validation letter?

If a collections agency does not respond to your request for a debt validation letter, it may be a scam — as all legitimate collections agencies are legally required to validate debts. If the organization continues to harass you, you may want to seek legal counsel in order to ask them to cease and desist.

How long does a creditor have to respond to a debt validation request?

First things first: As the consumer receiving a debt validation letter or notice of collections attempts, you must request debt verification or dispute the debt within 30 days. While there’s not a specific set timeline in which a collector must respond to your debt validation request, if they can prove the debt, their motivation for repayment means you’ll probably hear from them sooner than later.

Photo credit: iStock/sturti

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

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Source: sofi.com

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Named one of the cloudiest, snowiest, and coldest U.S. cities, Anchorage AK, is also one of the prettiest. With the Chugach Mountains in the distance and lots of gorgeous water, Anchorage truly has an abundance of natural beauty. Not to mention, Anchorage was also named one of the most affordable places to live in Alaska! 

However, if you’re not sure where to start your sightseeing journey, don’t worry. We’ve compiled Anchorage’s 10 top beautiful places to check out whether you’ve just signed a lease for your rental home, are looking for an apartment, or have lived in your Anchorage, AK home for several years and many more to come.

1. Tony Knowles Coastal Trail

In no particular order, our first recommendation is the Tony Knowles Coastal Trail. This is one of Agnes Stabinska’s, of travel blog Alaska Itinerary, favorites for a reason. She particularly loves the stunning views of the coastline, Chugach Mountains, and if you’re lucky – Denali in the distance. 

“It’s perfect for walking, biking, and photography, especially around sunset when the light beautifully illuminates the landscape. This 11-mile-long scenic path stretches from downtown Anchorage to Kincaid Park. Along the trail, some of the best viewpoints include Earthquake Park, which offers historical insights and beautiful coastal views, and Point Woronzof, where you can catch stunning sunset views and spot airplanes taking off from the nearby airport,” says Agnes. 

2. The Turnagain Arm

Another great option is The Turnagain Arm located just thirty minutes from downtown Anchorage. Bloggers José Luis Vílchez and Cora Rose of Art We There Yet? love this spot for three main reasons: to “1) Watch surfers ride the bore tide (a unique phenomenon that only happens in a few key places on the globe). 2) Look for eerie stands of dead trees along the Upper Arm. Often called “ghost forests”, these trees died when the land suddenly fell 6-8ft during the historic 1964 earthquake (second largest in recorded history). 3) Drive up Portage Valley Rd and view glacier after glacier clinging to the valley walls.” Their absolute favorite is the 14-mile isthmus trail which is the only stretch of land connecting the Kenai Peninsula to mainland Alaska, so make sure you add that to the top of your list.

Photo courtesy of Art We There Yet?

3. Mount Baldy

Next up, we have Humphrey Hawksley’s favorite place – Mount Baldy. “Matt Worden from Go Hike Alaska led me on the thousand feet climb along well marked trails where you can absorb Alaska’s expanse, beauty and tranquility,” notes Humphrey. “Roaming the ridgeline, you have mountainscape on one side and panoramic scenes across the Eagle River on the other,” he describes. 

Afterwards, Humphrey recommends checking out the Writer’s Block Bookstore and Cafe for a cup of joe, a new read, and some music. As the author of the Rake Ozenna thriller series (set in Alaska), we know his suggestion is foolproof.

4. Potter’s Marsh

“A hidden oasis in Anchorage is Potter’s Marsh, a wildlife viewing boardwalk and bird sanctuary,” says Your Alaskan Adventures’ Deborah Raarup. On this boardwalk stroll, you can expect to see moose, a variety of birds, and even some muskrats year round, as well as swans and their baby cygnets in the spring. 

Additionally, “On a clear day, you can see the beautiful Chugach Mountains to the east and the Turnagain Arm to the west,” tells Deborah. With the abundant wildlife and beautiful backdrop. Potter’s Marsh is truly “one of the best places in Anchorage to get outside on an easy hike to see wildlife.”

Photo courtesy of Your Alaskan Adventures

5. Earthquake Park

Add in a bit of Alaskan history with your nature outing at Earthquake Park. Although a tragic event, this spot commemorates the 1964 earthquake with several signs explaining the effects of the disaster. Beyond your daily history lesson, this park also features incredible trails with the best coastal views and if you’re in luck, gorgeous wildflowers. Don’t forget to stop at the oversation points to take in a grand sight of Cook Inlet and the surrounding mountains.

6. Chugach State Park

It wouldn’t be an Anchorage article without the mention of Chugach State Park! This beloved spot “provides Anchorage residents and visitors with world-class backcountry recreation via numerous trailheads within a half hour drive from the international airport and downtown of Alaska’s largest city,” says Mat Brunton, mountain guide and outdoor educator of Chugach Mountain Institute. 

It’s hard to find a park with more diverse landscapes as Chugach has it all: rugged mountains, glaciers, lush forests, and pristine lakes. Beyond hiking, this park is great for biking, spotting wildlife (moose, bears, eagles, etc.), fishing, camping, snowshoeing, and more. With the beautiful scenery and several activities to enjoy, it’s truly a favorite destination for outdoor lovers of all levels for a reason.

7. Adventure in the backcountry of Anchorage, AK

Looking to explore? The National Center for Outdoor & Adventure Education (NCOAE) offers the best wilderness adventures for both teens and adults. Starting in Anchorage, you’ll travel to McCarthy, settle in, and trek across the Alaskan wilderness to a rendezvous point. 

What next? Great question! At this remote airstrip, a bush plane will pick you up for a journey further into the backcountry – how cool! “During these days, participants hone their outdoor and leadership skills in the heart of the Alaskan wilderness. The landscape and wildlife provide a dramatic backdrop for the learning experience. Participants may encounter moose, lynx, bears, ground squirrels, Dall sheep, and other wildlife during their guided trip. Whatever challenges the Alaskan wilderness presents, you’ll gain the skills to endure and enjoy it with confidence and style. And once your adventure is complete, you’ll be returned safe and sound to Anchorage,” describes brand and business journalist Mikal Belicove.

8. Flattop Mountain

Indigo Alpine Guides owner Jack Bynum’s perfect day includes a hike to Flattop Mountain. An accessible hike for all levels, this mountain is arguably the most climbed in all Alaska. There are several different paths to choose from, so enjoy having a choose-your-own-adventure moment. Before the hike, Jack recommends fueling up at Fire Island Bakery and/or grabbing breakfast at Middleway Cafe. If you’re doing a late afternoon hike, Jack suggests stopping for a bite at Hearth Pizza for a well-deserved slice or two.

9. Ship Creek

For the ideal afternoon activity, take artist Duke Russell’s suggestion and scooter down to ship creek and the public boat launch. This spot “provides beautiful views of the downtown skyline as well as the Chugach Mountains and Government Hill,” describes Duke. Additionally, “When the tide is out, you’ll see many sea birds feeding in the flats along ship creek,” he adds. A scooter ride followed by a scenic view and beautiful birds? What more could you ask for?

10. Lake Hood

Thirsty for water? Alaskan Sights and Bites’ co-owners Dan and Chris Morris absolutely love Lake Hood. As the world’s busiest seaplane bases, it’s the perfect spot to watch the takeoff and land. And with the backdrop of the Chugach Mountains? There’s no better Alaskan experience. It’s also “a great spot to take photos, and get a feel for the adventurous spirit of Alaska — a place we often share with guests on our Alaskan Sights & Bites van tours,” add Dan and Chris.

Darby works as a Content Marketing Coordinator on Redfin’s impressive Content Marketing team. Her experience includes media advertising, graphic design, and a B.A. in business leadership with a concentration in marketing and communication studies. She currently resides in Seattle, WA, and can be found crafting with her friends and sipping on a chai latte at Gasworks Park. Her dream home is either a cream cottage in Madrona, WA, or a brownstone in the West Village.

Source: rent.com

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There is apparently a “home cost crisis,” and a new fintech company called Mesa is looking to solve that.

It’s no secret that home prices are through the roof, and when coupled with much higher mortgage rates and things like skyrocketing homeowners insurance, it can put homeownership out of reach.

Or at the very least, make it a struggle for the average American to keep up. To ease this burden, the company has rolled out a suite of products to make homeownership a little more affordable.

Perhaps ironically, this new company operates out of Austin, Texas, one of the hardest hit housing markets nationwide.

The popular metro has suffered from a glut of housing supply as many remote tech workers packed their bags and moved back to wherever they came from.

What Is Mesa?

Referred to as the “first homeowner membership platform,” Mesa is actually a group of offerings aimed at making homeownership cheaper and more valuable.

This means putting better mortgage deals in front of prospective home buyers and giving them rewards when they make housing-related purchases.

Their first two products are the Mesa Mortgage Marketplace and the Mesa Homeowners Card.

The marketplace appears to operate similar to the Zillow Mortgage Marketplace. Prospective home buyers and existing homeowners looking to refinance can compare lenders in one place.

And aside from maybe scoring a lower rate and/or reduced closing costs, they can earn a portion of the loan amount back in rewards points.

Those who take out a loan via the Marketplace get 1% back in the form of rewards.

For example, a $500,000 loan amount would result in 500,000 rewards points, which would be worth $5,000.

Those points could then be redeemed for things like closing costs on the loan, or for travel, or even reinvested back into the home via an extra mortgage payment.

It’s important to note that Mesa is not a mortgage lender or a mortgage broker, but rather provides advertising for lenders and brokers via the marketplace and earns a fee.

The Mesa Homeowners Card

Their other main product at launch is the “Mesa Homeowners Card,” which they refer to as the first premium credit card designed specifically for homeowners.

We’ve seen other homeowner-centric credit cards in the past, but this one is apparently premium for one reason or another.

Like other cards before it, cardmembers can get rewarded when they use the card to make monthly mortgage payments.

But it goes a step further by offering bonus points on things like HOA fees, utilities, home repairs, and other home-related services like insurance.

Per TechCrunch, you’ll earn 1X when using the card to make mortgage payments, 2X on gas and groceries, and 3X in the home services category.

These points will be eligible for gift card redemptions, mortgage payment redemptions, or transfers to airline & hotel partners.

My understanding is you’ll be able to use the Mesa Homeowners Card to make your mortgage payments, despite credit card issuers commonly not allowing this.

Mesa has partnered with Visa on the deal and has a team that formerly worked at companies like American Express, Capital One, and Bilt, the latter of which wanted to reward customers for paying the mortgage with a credit card.

Bilt currently lets cardholders pay their rent and earn cash back without being subject to a transaction fee.

They had planned to do the same for mortgage payments, but it never came to fruition. Will Mesa succeed where others failed? It remains to be seen, but it has always been a challenge.

Ultimately, mortgage lenders don’t love the idea of homeowners paying the mortgage with a credit card, and for good reason.

So it’s possible Mesa will cut a check or send an ACH if you use their credit card to pay your loan servicer, to ensure payment is accepted.

The Mesa Homeowners Network

Lastly, Mesa has partnered with “brands you love” to provide exclusive discounts and offers.

This might include discounts for memberships at Costco and at other businesses that offer homeowner-centric services.

In addition, the company plans to expand their membership rewards to HELOC originations, home warranty plans, insurance, and other financial products for homeowners. And an app is coming soon as well.

The goal is to make homeownership both more affordable and rewarding by offering discounts and cash back on all related expenses.

Knowing today’s cost pressures go beyond the principal and interest on the mortgage, this could provide some relief to households who are stretched.

For me, the question mark remains whether they’ll be able to let users pay the mortgage with the credit card.

If they’re able to pull that off, it might be worthwhile. If not, you could argue that credit card points earned with other issuers could hypothetically be cashed out and applied toward the mortgage the same way.

For example, I can currently cash out by Chase Ultimate Rewards at a penny apiece and apply extra payments toward my mortgage. But I can’t use my Chase card to pay the mortgage.

So they’ll need something to truly differentiate and add value versus existing options. I’d probably consider it if they let me pay the mortgage each month.

Aside from earning 1% back each month, I’d get a grace period to float the mortgage payment before the payment was due.

The product is currently waitlisted and you can sign up via their website if interested.

Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Latest posts by Colin Robertson (see all)

Source: thetruthaboutmortgage.com

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Undergraduate students who have financial need can apply for the federal Pell Grant each year to receive aid for their education. If you meet the Department of Education’s requirement for the grant program, be aware that there is a Pell Grant lifetime limit. Eligible students can receive a Pell Grant for about six years, or 12 terms of school.

Once you’ve reached the maximum number of times you can get a Pell Grant, you’ll be ineligible for future awards.

What Is a Pell Grant?

A Pell Grant is a government-sponsored program that offers aid to undergraduate students who demonstrate exceptional financial need. The grant is not available to graduate and professional students. In general, students who have previously earned a bachelor’s degree or higher are not eligible for a Pell Grant.

Students applying for Pell Grant funds for the 2022-23 academic school year can receive up to $6,895.

How many Pell Grants you can get depends on factors including your financial need, your school’s confirmed cost of attendance, whether your enrollment status is part-time or full-time, and how long you plan to attend school in each year.

Upon completing your degree program, Pell Grants generally do not need to be repaid.

FAFSA

To learn if you’re eligible for a Pell Grant, you need to complete a Free Application for Federal Student Aid (FAFSA®). The information on this application is used to determine your eligibility for the Pell Grant as well as other federal, state and school-provided financial aid.

You can submit the FAFSA as early as October 1 before the academic year for which you’re applying for aid. The deadline to submit your FAFSA for the 2022-2023 school year is June 30, 2023. Some aid is awarded on a first-come-first-served basis, so it can behoove you to fill out your FAFSA earlier rather than later.

Recommended: Pell Grant vs FAFSA: What Are the Differences?

Eligibility

The government determines whether an undergraduate student meets the financial need requirement for a Pell Grant by evaluating the student’s Expected Family Contribution (EFC). This is an estimation of how much a student and their family can be expected to pay toward college and it is calculated using information provided on the FAFSA.

For the 2022-23 school year, the maximum EFC for Pell Grant eligibility is $6,206. Students who are at or below this threshold might be able to receive Pell Grant aid.

Students who have been incarcerated in a federal or state institution, or have an involuntatry civil commitment for a sexual offense are ineligible for Pell Grant aid.

How Many Pell Grants Can You Get?

You can apply for a Pell Grant for multiple academic years as long as you maintain your eligibility. As previously mentioned, students can receive the Pell Grant for up to 12 semesters or terms, or approximately six years.

How Lifetime Eligibility Works

Each award year is from July 1 of a calendar year to June 30 of the following year. In an award year, you can receive up to 100% of your eligible Pell Grant award; the Pell Grant lifetime limit that you can use is 600%.

In some situations, you might receive up to 150% of your Pell Grant aid (e.g. if you’re enrolled in fall, spring, and summer terms, full-time). Similarly, you might not always use 100% of your Pell Grant for an award year. This might come up if your enrollment dropped from full-time to part-time, for example.

Calculating Your Pell Grant Usage

To determine the Lifetime Eligibility Used (LEU) on your academic aid account, the Department of Education looks at how much Pell Grant funding you’ve received in a given award year compared to your total available award for that year to arrive at a use percentage.

It then adds your used Pell Grants for each award year to determine whether you’ve reached the lifetime limit for the grant program. If you’d like to track your own LEU percentage, log into your StudentAid.gov account and view the “My Aid” overview.

Alternatives to the Pell Grant

If you’ve reached your Pell Grant lifetime limit, or don’t qualify for the Pell Grant, but still need financial assistance for school, there are other options to consider.

Other Grants

Pell Grants are just one of a handful of grant programs offered by the federal government. The Department of Education also provides:

•   Federal Supplemental Educational Opportunity Grants

•   Iraq and Afghanistan Service Grants

•   Teacher Education Assistance for College and Higher Education (TEACH) Grants

For the most part, grants don’t need to be repaid, except in certain circumstances. Additionally, non-federal grants are provided to students, based on need or merit. These grants are provided by some states and schools, as well as private organizations like nonprofits, businesses, community groups and professional associations.

Recommended: FAFSA Grants & Other Types of Financial Aid

Scholarships

Another financial aid option that you won’t have to repay after graduating are scholarships. Scholarships are earned on merit or are provided to students who are in financial need. They are often one-time awards that are given by similar entities as grants.

In some cases, there may even be unclaimed scholarships that students may be able to apply for in order to bolster the money they have to pay for college.

Recommended: The Differences Between Grants, Scholarships, and Loans

Work-Study

Participating in a federal Work-Study program allows students to earn income that can go toward college costs. Employers that participate in the program might be on campus or off campus, and jobs offer part-time hours.

Your school provides your payment, directly, unless you request otherwise. How much you can earn through the program depends on your financial need, your school’s available funding, and when you apply.

Eligibility for the program is determined by information provided on the student’s FAFSA.

Federal Student Loans

The FAFSA is also used to determine borrower eligibility for Federal Direct Loans. The Department of Education offers undergraduate students loans that are Direct Subsidized or Unsubsidized Loans. The government covers interest on subsidized loans while the borrower is enrolled in school and during qualifying periods of deferment. With an unsubsidized loan, borrowers are responsible for paying accrued interest.

Graduate students are able to borrow Direct Unsubsidized Loans and PLUS loans. PLUS Loans are also available to parents of dependent students.

Federal loans must be paid back with interest, but they offer low fixed interest rates. They also offer student borrowers invaluable benefits, like income-driven repayment plans and generous deferment and forbearance options.

Private Student Loans

Some students find that they still need additional funds for school, despite receiving federal financial aid. If you’ve exhausted your federal aid options and already applied to private scholarships and grants, this private student loan guide could help find options to get you the money you need.

A private student loan must be repaid, plus interest charges, and is provided by nonfederal lenders, like banks, online lenders, and other private institutions. Lenders require applicants to undergo a credit check which determines your eligibility, interest rate, and loan terms.

Borrowing requirements and offers often vary between lenders so always shop around to find a competitive rates and terms for undergraduate private student loans.

The Takeaway

Generally, if you maintain Pell Grant eligibility throughout your college career, you can receive a maximum Pell Grant lifetime limit of six years to receive aid. However, you might reach this limit in a shorter or longer time, depending on your level of enrollment each award year.

If you still need to fund the gap between your existing financial aid and your school’s certified cost of attendance, a SoFi private student loan can help. It’s an easy and fast way to finance your education and you can get pre-approved online in three minutes.

Find out what rates you qualify for in just a few minutes.

FAQ

Can you hit your Pell Grant lifetime limit early?

Yes, it’s possible to reach your Pell Grant lifetime limit before the typical six-year timeline if you take on additional academic terms during an award year. For example, if you enrolled in summer courses and received Pell Grant aid for that period.

Is the Pell Grant disbursed every semester or every year?

Your school will typically disburse Pell Grant awards in a minimum of two disbursements at scheduled intervals throughout the award year.

Is there an age limit for filling out FAFSA?

No, there is no age limit to submit a FAFSA. Some financial aid programs, like the Pell Grant, have restrictions on the academic status of aid recipients, such as whether they’re enrolled as an undergraduate or post baccalaureate student.

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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

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

Photo credit: iStock/PeopleImages
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Source: sofi.com

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Considering a move to Richmond? The city has a unique charm that draws people from all over, offering its own set of pros and cons. In this article, we’ll explore the good and the bad of life in Richmond to help you decide if living in Richmond is right you.

Richmond at a glance

Walk Score: 51 | Bike Score: 51
Median Sale Price: $375,000 | Average Rent for 1-Bedroom Apartment: $1,384
Richmond neighborhoods | Houses for rent in Richmond | Apartments for rent in Richmond | Homes for sale in Richmond

1. Pro: Affordable living 

Richmond boasts a relatively affordable cost of living compared to many other East Coast cities. The typical home price is below the national median of $433,229. Apartments in Richmond are reasonable ranging from $$1,300 to $1705 on average. Housing options, from modern homes to historic brick apartments, can be found at reasonable prices. 

2. Con: Traffic and infrastructure 

Traffic in Richmond can be a hassle, especially during rush hour. The city’s older infrastructure struggles to accommodate the volume of vehicles, leading to frequent delays. Public transportation options are limited, leaving many residents reliant on cars.

3. Pro: History and nature

Richmond is full of history and home to numerous museums, historic landmarks, and parks. The James River is a prime spot for outdoor enthusiasts, with kayaking, hiking, and scenic views all within city limits. The city’s proximity to natural attractions offers a perfect escape for weekend adventures.

4. Con: Extreme seasonal weather 

Summers in Richmond are hot and humid while winters are cold and damp. Summer temperatures can feel oppressive, especially for those not used to Southern heat. Winters bring occasional ice storms, which can make driving hazardous.

5. Pro: Stellar food and drinks 

If you’re a foodie, you’ll love Richmond. Local restaurants offer everything from Southern comfort food to international cuisine. The craft beer scene is also thriving, with plenty of breweries peppered throughout the city. Whether you’re chowing down on a Cobra Burger or grabbing a beer at Strangeways, you’ll feel right at home in Richmond.

6. Con: Limited public transportation 

Richmond’s public transit options are minimal, which can be frustrating for those used to more robust city systems. While there is a bus network, it doesn’t cover all areas extensively. Many residents end up relying on personal vehicles, which adds to traffic congestion.

7. Pro: Central location within the state 

Richmond’s location is ideal for travel. It’s only a few hours from friends living in Washington, D.C., the Blue Ridge Mountains, and Virginia Beach. This central spot allows you to explore urban and rural attractions at the drop of a hat.

8. Con: Limited nightlife for young folks

While Richmond does have some nightlife, it may feel lacking for younger people seeking a lively scene. Bars and clubs close earlier than in larger cities, and the entertainment options may feel limited compared to larger Virginia cities.

9. Pro: Tight-knit communities 

Richmond’s neighborhoods often have a small-town feel, with friendly neighbors and active local communities. Many residents take pride in their neighborhoods, hosting regular events and community activities. This sense of immediate belonging can make moving to Richmond feel more welcoming.

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com

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The New York Yankees credit card could be a home run for die-hard fans of the Major League Baseball team.

Image courtesy of Bread Financial.

Issued by Comenity Bank, a subsidiary of Bread Financial, the $0-annual-fee card offers promotions and benefits that could be useful for frequent Yankees-game attendees. Plus, it rewards everyday spending as well.

Still, MLB fans looking for more flexible rewards and redemption options — not to mention more baseball-related perks — might be better off with a card issued by Capital One, the official bank and credit card partner of Major League Baseball.

Here are five things to know about the New York Yankees Mastercard.

1. Yankees fans can score solid rewards

When you use the New York Yankees Mastercard, you’ll earn the following (not as cash back, but as points in the Pinstripe Rewards program):

  • 5x points at Yankee Stadium concession stands. 

  • 3x points at restaurants, bars and gas stations, and on rideshare and mass transit. 

  • 1x back on all other purchases. 

Given concession prices, frequent Yankee Stadium visitors might welcome that 5x reward rate. On top of that, the card’s 3x categories will help holders rack up points for some everyday spending. Those categories — bars, gas, rideshares and mass transit — are also particularly useful for pre- and postgame transportation and activities.

The caveat here, however, is that rewards are earned as Pinstripe points, rather than cash back. Every 100 points you earn will get you $1, meaning points are worth a penny each. That’s good value, but even season ticketholders might need a long while to rack up a meaningful amount of rewards.

🤓Nerdy Tip

You’ll become a member of the Pinstripe Rewards program when you get the New York Yankees credit card. The rewards program is only for Yankees credit card members.

2. Cash-back redemption is flexible …

Pinstripe points can be redeemed for more than just Yankees-related options. You can redeem them for cash back in the form of a direct deposit or statement credit to your account, starting at $1 or 100 points. This is a significantly lower redemption minimum than what some other cards require.

Note that statement credit may take up to six business days to post to your account and that points expire after five years.

3. … But other redemption options feature tough catches

Cardholders also have the option to redeem points for Yankees game tickets, memorabilia and experiences. But there are some hoops to jump through.

  • Game tickets. There’s no minimum points requirement for redeeming this way, but there are some stipulations that come with game tickets redemptions. You can only redeem points for two game tickets at a time, and those tickets must be for seats in designated areas at select home games played at Yankee Stadium during the regular season. Designated seating areas vary by game but cardholders usually have the choice between main and field level seating locations, according to a representative from Bread Financial. Note that you must redeem tickets through the Yankees account center. You’ll receive tickets within 48 hours before your game starts through the MLB Ballpark App or through a Yankees Ticketmaster account — both of which are free to join.

  • Yankees memorabilia and experiences. Memorabilia includes items like collectible Yankees baseballs, mini bats and helmets, merchandise and limited-edition items. Experiences include participating in the ceremonial first pitch, on-field batting practice viewing, and game-day stadium tours. Like game ticket redemptions, you don’t need a certain amount of points to redeem for either of these options, but costs will vary depending on the item or experience. As of this writing, participating in a ceremonial first pitch will cost you around 120,000 points, while batting practice viewing and stadium tours plus a pair of tickets will cost around 18,000 each, for example.

4. It offers special promotions for new applicants

New cardholders can earn:

  • Two free tickets when you spend $100 on the card within 30 days of account opening. 

  • A $50 statement credit when you spend $1,000 outside of Yankee Stadium. 

Two free game tickets can be an attractive deal for fans. But again, there are some caveats. Complimentary tickets apply only to home games played at Yankee Stadium and cannot be used for opening day games, the traditional old-timers’ day game, or any home games against the Boston Red Sox, Chicago Cubs, Los Angeles Dodgers and New York Mets. Plus, you can only redeem these tickets for seats in designated seating areas — which are typically located between the foul poles in the outfield section. So if you’re hoping to snag seats behind home plate or near the dugout, for instance, you might be better off redeeming points for cash back and buying your tickets outright.

Note that you can only redeem the free tickets online, and you must have a Ticketmaster account to redeem them.

Also, if you plan on opening the card to score free tickets for an upcoming game, keep in mind that the card’s terms say that new cardholders will receive their ticket redemption code within 60 days of account opening and that the code is not valid for previously purchased tickets. (Note: According to a representative from Bread Financial, tickets are typically fulfilled within days of earning the offer.)

5. It doesn’t hold up against simple cash back

Yankees fans can certainly rack up decent rewards with the New York Yankees credit card. But a number of general cash-back card options can offer more flexibility.

Notably, Capital One is MLB’s official bank and credit card partner, which means all eligible Capital One rewards cardholders can redeem their rewards for MLB tickets from all 30 teams, from opening day through the baseball postseason — including tickets to the World Series. These baseball-related redemption options are more varied and less limiting than what the New York Yankees Mastercard offers.

With an eligible Capital One card, you’ll also get discounts on MLB TV, items purchased though the MLB shop and on visits to the Jackie Robinson museum in New York City, as well as access to VIP experiences like private on-field sessions and batting practice.

More specifically, the $0-annual fee Capital One SavorOne Cash Rewards Credit Card could be a lucrative option for MLB fans. It earns 3% cash back on dining, eligible streaming services, grocery stores and entertainment — and tickets to sporting events qualify for that “entertainment” category.

In some cases, in fact, you might be able to do even better than that. That’s because the card also earns 8% back on purchases through Capital One Entertainment, a portal that includes tickets to sporting events. Rewards earned with this card can also be redeemed as cash back in any amount, and again, this is in addition to the aforementioned MLB-related benefits that Capital One offers cardholders.

Source: nerdwallet.com

Apache is functioning normally

As the “Grand Canyon State,” Arizona is home to some of the most unique landscapes ranging from red rocks, canyons, and arches, to desert lakes, and rugged mountains. From the majestic Red Rocks of Sedona to the tranquil forests of the Verde Valley, you’ll find plenty of Arizona mountain towns that offer easy access to the state’s stunning nature.

To help you get started, Rent. has collected a list of the best mountain towns in Arizona to call home. Whether you’re drawn to the desert mountains or the tranquility of the Mogollon Rim, there’s an Arizona mountain town for you. Let’s jump in and see what towns made the list.

1. Camp Verde

Mountain Range: Red Rocks of Sedona

Average rent price: $2,487

Population: 11,540

Houses for rent in Camp Verde, AZ

Apartments for rent in Camp Verde, AZ

Homes for sale in Camp Verde, AZ

Located near the breathtaking Red Rocks of Sedona, Camp Verde offers a unique blend of natural beauty and small-town charm. This town, situated in the Verde Valley, is an awesome spot for outdoor enthusiasts with its proximity to hiking trails like Verde Valley Ryal Canyon Trailhead, parks, and the Verde River.

You can enjoy exploring the Montezuma Castle National Monument, the Montezuma Well, and the Fort Verde State Historic Park, which provide a glimpse into the area’s rich history. With a population of just over 11,000, Camp Verde has a tight-knit community atmosphere, with local eateries and shops.

2. Cave Creek

Mountain Range: Desert Mountains

Average rent price: $4,159

Population: 5,540

Houses for rent in Cave Creek, AZ

Apartments for rent in Cave Creek, AZ

Homes for sale in Cave Creek, AZ

Cave Creek, a gem in the Desert Mountains, is known for its rugged beauty and upscale living. Located north of Phoenix, Cave Creek is a great area for those looking to be near a big city and mountains. Shadowed by the iconic Black Mountain, the city offers a plethora of outdoor activities such as hiking at Cave Creek Regional Park and Spur Cross Ranch Conservation, horseback riding, and golfing.

Cave Creek has a rustic charm with its western-themed architecture and vibrant arts scene. The town’s small population allows for a serene lifestyle while still providing access to amenities. Cave Creek’s historical sites, annual events, like the Fiesta Days Rodeo, and tourist attractions like Frontier Town draw visitors from across the state.

3. Chino Valley

Mountain Range: Bradshaw Mountains

Average rent price: $2,031

Population: 11,980

Houses for rent in Chino Valley, AZ

Apartments for rent in Chino Valley, AZ

Homes for sale in Chino Valley, AZ

Chino Valley is set against the backdrop of the Bradshaw Mountains and offers a peaceful rural setting with the convenience of city amenities. Situated between the Prescott National Forest and the Coconino National Forest, this mountain town has endless opportunities for exploring Arizona’s mountains.

The community is known for its agricultural roots, with local farms and vineyards contributing to a growing local food scene. Chino Valley’s location makes it a perfect spot for those who love the outdoors. With Prescott’s historical charm just a short drive away, you’re never far from a new adventure.

4. Flagstaff

Mountain Range: San Francisco Peaks

Average rent price: $2,355

Population: 72,400

Houses for rent in Flagstaff, AZ

Apartments for rent in Flagstaff, AZ

Homes for sale in Flagstaff, AZ

Flagstaff is a gateway to the majestic San Francisco Peaks and is surrounded by the expansive Coconino National Forest. This vibrant Arizona mountain town is rich in culture and outdoor activities, like hiking through the ponderosa pines. For example, you can explore places like the Lowell Observatory, Picture Canyon Natural and Cultural Preserve, and Yucca North. This city is home to Northern Arizona University so there’s always something going on.

Flagstaff’s historic downtown area, with its unique shops and restaurants, offers a cozy atmosphere for both residents and visitors. Flagstaff is also a gateway to the Grand Canyon, making it an ideal location for adventurers and nature lovers. The town’s commitment to preserving its natural and cultural heritage makes it a unique place to live.

5. Payson

Mountain Range: Mazatzal Mountains

Average rent price: $1,753

Population: 14,570

Houses for rent in Payson, AZ

Apartments for rent in Payson, AZ

Homes for sale in Payson, AZ

Payson, called “The Heart of Arizona,” is a picturesque town that serves as a gateway to the outdoor wonders of the Mazatzal Mountains and the Mogollon Rim. This area is a paradise for those who love the outdoors, offering countless trails for hiking, horseback riding, and mountain biking at places like Tonto Natural Bridge State Park, Water Wheel Falls Hiking Trail, and The Boulders Loop.

The town’s proximity to natural lakes like also makes it a popular spot for fishing and boating. Payson hosts the world’s oldest continuous rodeo, the Payson Pro Rodeo, adding to its charm. With a moderate climate year-round, Payson provides a serene lifestyle with the beauty of the Arizona landscape. 

6. Prescott

Mountain Range: Bradshaw Mountains

Average rent price: $2,135

Population: 43,100

Houses for rent in Prescott, AZ

Apartments for rent in Prescott, AZ

Homes for sale in Prescott, AZ

Prescott is a historic town with old-world charm and modern-day vibes. Surrounded by the Bradshaw Mountains, Prescott is known for its beautiful Victorian homes, tree-lined streets, and the famous Whiskey Row. The town square hosts numerous cultural events, art galleries, and museums, reflecting the rich history of the area.

There are plenty of outdoor activities to take part in in the surrounding landscape, with trails for hiking and biking like Thumb Butte, Easter Island Trail, and Sunset Lookout. Prescott’s community spirit, charming museums like the Phippen Museum and Sharlot Hall Museum, lakes like Watson Lake, and local restaurants, make it an awesome town to live in.

7. Sedona

Mountain Range: Schnebly Hill and Mogollon Rim

Average rent price: $2,833

Population: 10,150

Houses for rent in Sedona, AZ

Apartments for rent in Sedona, AZ

Homes for sale in Sedona, AZ

Sedona, with its stunning red rock formations and vibrant arts community, is a place of natural beauty and creative inspiration. The town is surrounded by the Schnebly Hill and Mogollon Rim, offering breathtaking views and a plethora of outdoor activities such as hiking, mountain biking, and jeep tours. For example, you can explore places like Munds Wagon Trail, Snoopy Rock, Midgley Bridge Picnic Area, and Soldier Pass Trailhead, among countless others.

Sedona’s spiritual and wellness community attracts visitors from all over the world, seeking rejuvenation and adventure. The town’s unique architecture, outdoor markets like Tlaquepaque Arts & Shopping Village, and local galleries reflect its artistic spirit. Sedona’s blend of natural wonders and cultural richness makes it a unique place to call home.

8. Show Low

Mountain Range: White Mountains

Average rent price: $2,516

Population: 11,000

Houses for rent in Show Low, AZ

Apartments for rent in Show Low, AZ

Homes for sale in Show Low, AZ

Show Low is situated in the White Mountains and offers a cool retreat from the desert heat. This town is popular for outdoor enthusiasts, with its close proximity to skiing, fishing, and hiking opportunities, like Woodland Lake Park, Porter Mountain Outlook, and Fool Hollow Lake. The local community is vibrant, hosting events and festivals that bring residents together.

Show Low’s small-town feel, combined with the beauty of the surrounding forests, makes it an appealing place for those seeking a peaceful lifestyle amidst nature. The town’s name, stemming from a legendary poker game, adds to its unique character and history. Whether you check out one of the local restaurants or hike one of the town’s trails, you’re sure to find something interesting in this mountain town.

9. Snowflake

Mountain Range: White Mountains

Average rent price: $1,937

Population: 5,680

Houses for rent in Snowflake, AZ

Apartments for rent in Snowflake, AZ

Homes for sale in Snowflake, AZ

Snowflake is a quaint town just north of Sitgreaves National Forest that offers a serene lifestyle. The town’s unique name and heritage are celebrated through local events and traditions that reflect its pioneer spirit. Snowflake’s residents enjoy the outdoors, with easy access to trails, like Four Mile Knoll, and natural beauty.

The town’s commitment to preserving its history is evident in the well-maintained Victorian homes and historic sites. Snowflake’s scenic surroundings make it a great option for those looking to escape city life.

10. Williams

Mountain Range: San Francisco Peaks

Average rent price: $2,100

Population: 3,290

Houses for rent in Williams, AZ

Apartments for rent in Williams, AZ

Homes for sale in Williams, AZ

Williams, known as the “Gateway to the Grand Canyon,” is a historic town that offers a mix of adventure and heritage. The San Francisco Peaks, like Bill Williams Mountain, provide a stunning backdrop for this community. Williams is famous for the Grand Canyon Railway, which takes visitors on a scenic journey to the canyon’s south rim.

The town’s main street is lined with shops and eateries that evoke the charm of the Old West and its Route 66 heritage. For example, you can explore places like Pete’s Route 66 Gas Station Museum, the Route 66 Zipline, and the Route 66 Museum And Gift Shop. With its close-knit community and array of outdoor activities, Williams is a delightful place to live, offering a taste of Arizona’s natural beauty and history.

11. Heber

Mountain Range: White Mountains

Average rent price: $1,450

Population: 2,400

Houses for rent in Heber, AZ

Apartments for rent in Heber, AZ

Homes for sale in Heber, AZ

Heber, also known as Heber-Overgaard, is located in the White Mountains. It offers a tranquil setting that’s perfect for those seeking a quiet life close to nature. The town’s proximity to the Mogollon Rim provides residents with stunning views and endless outdoor activities, including hiking, fishing, and camping.

Heber’s small population gives the area a close-knit community feeling. The town’s scenic beauty makes it an ideal spot for those looking to enjoy Arizona’s natural landscapes without the crowds. Whether you explore the Pictograph Interpretive Site or the Sitgreaves National Forest, there’s always something to do.

Note, this list is not comprehensive of all the mountain towns in Arizona. Towns must have average rental data to be included on the list. Average rental data from Rent.com during September 2024. Population data is sourced from the United States Census Bureau.

Source: rent.com

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In the heart of Silicon Valley, a newly built Menlo Park house recently came to market with a price tag that places it miles ahead of the competition.

The $14,200,000 house — located smack dab in central Menlo Park — is currently the most expensive house for sale (by far) in the tech-heavy city, which serves as home to social media giant Meta and is also where Google was born.

Fitting for a place that attracts tech’s brightest (and richest), Menlo Park’s real estate market is among the priciest in the country, with the median home sale price sitting at a hefty $2.6 million, according to Redfin’s data.

Priced at $14.2 million, the centrally located Menlo Park house is the most expensive home for sale in the San Francisco Bay Area city, with the runner-up asking almost a full $3 million less.

But a quick look at the 8-bedroom home makes it clear that the property is also the city’s finest option, pairing a stellar location with a gorgeous contemporary design that takes California’s iconic indoor-outdoor living trend to new heights.

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Menlo Park’s most expensive home

Photo credit: Open Homes Photography / Coldwell Banker Realty

Newly completed in 2024, the May Brown Avenue house sits on a 0.64-acre lot on a quiet cul-de-sac just moments from Menlo Park’s vibrant downtown.

With a stylishly appointed, contemporary main house, and an equally modern guest house, the Menlo Park property offers a total of 8 bedrooms and 8 full bathrooms, plus a half bath, and a large backyard between the two with a plethora of outdoor amenities.

Representing the property is Billy McNair with the McNair Group, affiliated with Coldwell Banker Realty in Northern California.

Developed by a tech-driven real estate company

Photo credit: Open Homes Photography / Coldwell Banker Realty

The builder is the present owner, Nitin Handa, of Handa Developers Group — a Silicon Valley-based, tech-driven real estate development company that has developed a unique approach to acquisitions and construction, which allows them to complete every project within a set timeframe and budget.

Within 9 years, Handa Developers Group has completed more than 87 real estate deals, raising more than $77 million in capital to complete projects in three U.S. states.

Indoor/outdoor living defines the 7,600+ sq. ft. house

Photo credit: Open Homes Photography / Coldwell Banker Realty

Given their track record, Handa Developers Group knew how to adapt their Menlo Park project to suit the needs of wellness-minded Silicon Valley buyers, and created a contemporary home that perfects the sought-after, indoor-outdoor living trend — which blurs the lines between the two spaces.

“The culture in Silicon Valley often emphasizes innovation and modern living,” Nitin Handa, Founder and CEO of Handa Developers Group, shares exclusively with Fancy Pants Homes. “When we began designing this estate, we immediately knew the property lent itself to an indoor-outdoor situation”.

Seamless transition from outdoor to indoor spaces

Photo credit: Open Homes Photography / Coldwell Banker Realty

“We wanted to create a seamless and flexible living environment that would reflect the value aesthetics and functionality of this part of the Bay Area,” Handa tells us.

As a result, the Menlo Park house embodies the indoor-outdoor living trend to perfection, with its well-proportioned rooms being fitted with folding doors that open up to the outside areas.

More than a home, it’s a lifestyle

Photo credit: Open Homes Photography / Coldwell Banker Realty

“1170 May Brown is more than just a home. It’s a lifestyle,” says listing agent Billy McNair, founder of McNair Group with Coldwell Banker Realty in Northern California.

“Many people in Silicon Valley prioritize wellness, and there is a strong culture of socializing and entertaining. Indoor-outdoor spaces promote a healthy lifestyle and are perfect for gatherings, whether for casual barbecues or more formal events.”

Unassuming from the front

Photo credit: Open Homes Photography / Coldwell Banker Realty

The house welcomes residents and guests with a circular motor court and an elegant facade that — despite its clean lines and polished look — doesn’t give away the luxury we find inside.

Pivot door opens up to a grand foyer

Photo credit: Open Homes Photography / Coldwell Banker Realty

Past the pivot entry door, bright, light-flooded rooms come into view from the grand foyer.

Formal spaces greet guests

Photo credit: Open Homes Photography / Coldwell Banker Realty

Here, formal spaces are ready to welcome guests, including a formal living room with a fireplace.

The formal dining room has a wine gallery

Photo credit: Open Homes Photography / Coldwell Banker Realty

A formal dining room with a temperature-controlled wine display wall is on the other side of the foyer.

The heart of the home is a large, open floor-plan living area

Photo credit: Open Homes Photography / Coldwell Banker Realty

The heart of the home is the expansive kitchen-family great room, a stylish and decisively contemporary living area that opens up to the party-ready backyard.

With a gourmet kitchen

Photo credit: Open Homes Photography / Coldwell Banker Realty

The fully appointed gourmet kitchen features a large center island, Wolf and Sub-Zero appliances, a wet bar, and folding doors that seamlessly blend the interior and exterior spaces.

Cleverly masked appliances

Photo credit: Open Homes Photography / Coldwell Banker Realty

As not to infringe on the contemporary design, many of the appliances have been cleverly masked (as were the electric outlets) to maintain a clean, modern look.

Living area with a fireplace

Photo credit: Open Homes Photography / Coldwell Banker Realty

Completing this space is a lounging area with a large fireplace and comfortable seating.

The primary suite

Photo credit: Open Homes Photography / Coldwell Banker Realty

Heading upstairs, we find the generously sized primary suite that has a fireplace, dual walk-in closets, a spa-like bathroom, and access to an expansive terrace that spans the entire upper level of the home.

All bedrooms have en-suite baths

Photo credit: Open Homes Photography / Coldwell Banker Realty

The upper level also includes a family lounge space and four other bedrooms, all en suite.

See also: This historic home off Lombard St. has some of the best views in all of San Francisco

A stylish home office

Photo credit: Open Homes Photography / Coldwell Banker Realty

Additional amenities include a large recreation/media room with a wet bar, a main-level guest suite with private access, and a refined executive office.

Even the powder room is the epitome of luxury

Photo credit: Open Homes Photography / Coldwell Banker Realty

Each space in the house has been carefully appointed with elegant, stylish finishes. So much so, that even the powder room (the only half-bath in the entire house) is ultra-luxurious.

Mudroom and utility areas

Photo credit: Open Homes Photography / Coldwell Banker Realty

While we rarely pay much attention to utility rooms, in this particular case we have to give a nod to the beautifully designed mudroom, which expertly conceals a washer and dryer behind sleek, screened doors.

A media room with a wet bar

Photo credit: Open Homes Photography / Coldwell Banker Realty

Another room of the house that nails the indoor-outdoor transition is the media (or recreation) room, a flexible space appointed with a wet bar that can have several uses.

The landscaped backyard is like an extension of the house

Photo credit: Open Homes Photography / Coldwell Banker Realty

The large backyard area invites guests to step outdoors with its vibrant greenery and several seating areas.

Outdoor amenities

Photo credit: Open Homes Photography / Coldwell Banker Realty

Outside we find a pool and spa, multiple entertaining terraces, an outdoor kitchen, a BBQ pavilion with bar seating, and privacy landscaping.

There’s also a guest house

Photo credit: Open Homes Photography / Coldwell Banker Realty

Facing the pool is a one-bedroom guest house with a full kitchen, bathroom, and laundry facilities.

Equally stylish as the main house

Photo credit: Open Homes Photography / Coldwell Banker Realty

Benefitting from the same indoor-outdoor living design, the stylish guest house mimics the clean, contemporary design present throughout the main house.

Located in the heart of Menlo Park

Photo credit: Open Homes Photography / Coldwell Banker Realty

The house is located just a stone’s throw from Menlo Park’s downtown district on Santa Cruz Avenue, a lively street with plenty of options for shopping and dining, making it a great option for buyers looking to settle down in a vibrant, walkable area.

Now up for grabs for $14.2M

Photo credit: Open Homes Photography / Coldwell Banker Realty

The newly built house is listed for $14,200,000 with Billy McNair of the McNair Group. And while the price point currently makes it the city’s priciest listing, its design and location — and proximity to top public and private schools, Stanford University, and major tech campuses — will likely turn it into Menlo Park’s most expensive home, as soon as a wealthy buyer lays eyes on it.

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Source: fancypantshomes.com