Looking to buy a manufactured home, a boat, or a piece of equipment for your business? You may need a chattel mortgage.
Chattel mortgages are used to finance movable assets separately from the land they occupy. They come with a higher cost than a traditional mortgage, so manufactured home dwellers who qualify for a standard mortgage will save money by choosing that route.
Here’s what you need to know about how chattel loans work and when you might want to look for alternative financing.
What Is a Chattel Mortgage?
First of all, a chattel mortgage is used for personal property, not real property. Real property includes land and property that cannot be easily removed from the land.
When a chattel mortgage is used for a large, movable asset like a manufactured home — called a mobile home before June 15, 1976 — or a piece of equipment (the “chattel”), the asset is held as collateral on the loan. If the borrower defaults on the loan, the lender can recoup costs by selling the asset.
A chattel loan may have a lower interest rate than an unsecured personal loan but a higher rate than a traditional mortgage.
How Does a Chattel Mortgage Work?
Chattel mortgages are used in two main instances: when an asset can be moved or when the land the asset sits on, or will, is leased. (In fewer cases, a chattel loan may be used when a borrower doesn’t want to encumber their owned land with a loan, as when land is owned jointly in a trust.)
Applying for a chattel loan is similar to applying for other types of loans, such as home equity loans and personal loans. The lender will look at your creditworthiness and ability to repay the loan before making a decision.
Chattel loans are typically small, with relatively short terms, but usually require no appraisal, title policy, survey, or doc stamps (the documentary stamp triggers a tax in certain states).
Recommended: First-Time Homebuyer Guide
What Are Chattel Loans Used For?
Here are some of the most common applications for chattel loans.
Manufactured Homes
Manufactured homes are built in a factory on a permanent chassis and can be transported in one or more sections. Formerly known as mobile homes, they’re designed to be used with or without a permanent foundation, but must be elevated and secured to resist flooding, floatation, collapse, or lateral movement.
Many are titled as personal property. Manufactured housing that is titled as personal property or chattel is only eligible for chattel financing.
When a manufactured home is titled as chattel, you’re also going to pay vehicle taxes to the Department of Motor Vehicles instead of property taxes.
Many consumers may encounter a chattel loan at the sales office of a manufactured home builder. They’re convenient with quick closing times, but come with a higher interest rate and a shorter term than most traditional mortgages.
This makes the financing cost of the manufactured home high, even if the payment is low thanks to the lower cost of a manufactured home compared with a site-built home. Around 42% of loans for manufactured homes are chattel loans, according to the Consumer Finance Protection Bureau.
When you own a manufactured home and rent the land it occupies, such as in a mobile home park, you will need a chattel mortgage, except when an FHA Title I loan is used.
Tiny Houses
A chattel mortgage may be used for tiny house financing when the tiny house is not affixed to a permanent foundation and/or when the land is leased.
Tiny houses are usually too small to meet building codes for a residential home, so even if the home is on a foundation and on owned land, a traditional mortgage is almost always out of the question. Even if Fannie Mae or FHA allows the property, the lender won’t.
Tiny houses on foundations are usually classified as accessory dwelling units.
Vehicles
A chattel loan may finance assets that are not permanently affixed to the property, such as vehicles. Dump trucks and construction vehicles may qualify.
Equipment
A chattel loan can be used to purchase large equipment for a business, such as a forklift or a tractor. Even livestock can be purchased with a chattel loan.
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
How Much Does a Chattel Mortgage Cost?
Chattel mortgages are more expensive than many other different mortgage types. The Urban Institute concluded that chattel loans were substantially more expensive than non-chattel loans. Owners of manufactured homes would spend thousands more per year in interest compared with a traditional mortgage.
These types of mortgages are not being purchased by Fannie Mae or Freddie Mac on the secondary mortgage market. When a conventional mortgage is purchased by one of these entities, the loan originator obtains more liquidity and can provide more loans to more people. This drives the cost of the mortgage down.
A chattel mortgage, on the other hand, must stay on the books of the lender, making the loan riskier and more expensive. If you qualify, you might want to consider refinancing your chattel mortgage into a traditional mortgage.
Recommended: Home Loan Help Center
Chattel Mortgage vs Traditional Mortgage
To qualify for a conventional or government-backed mortgage instead of a chattel mortgage, you must own the land your home sits on, the home must be permanently affixed to a foundation, and it must have at least 400 square feet of living space (600 for Fannie Mae’s conventional loan for manufactured homes).
Mobile homes built before June 15, 1976, will not qualify for a mortgage loan. A personal loan is about the only option.
You must also meet all other requirements set forth by the lender to qualify for a traditional mortgage. A mortgage calculator tool can help with this.
For some types of assets, a chattel mortgage may be a good option to consider. Take a look at the major differences.
Chattel Loan
Traditional Mortgage
For movable property only
Includes the land and all attached structures
May have a lower interest rate than an unsecured personal loan
Usually has a lower interest rate than a chattel mortgage
Shorter terms (e.g., 5 years)
Longer terms (e.g., 15 years, 30 years)
Lower origination fees
Higher loan fees
Shorter close time
Longer close time
Lender holds the title, which is only given to the buyer when it is paid off
Lender holds a lien on the property, not title
Pros and Cons of a Chattel Mortgage
A chattel mortgage is more expensive than a traditional mortgage, so anyone who can qualify for a traditional mortgage may wish to pursue that option first. It’s not all bad news for chattel mortgages, though, especially for other types of property where a chattel loan is desirable.
Pros
Cons
Lender only has a security interest in the movable property, not the land
If you default on the loan, the lender can take your asset. Also, the lender owns the asset until the loan is paid off
Taxes may be lower on property titled as “chattel” rather than “real” property
Higher-cost loan than a traditional mortgage
Possible faster close and lower loan fees than a standard mortgage
Fewer consumer protections. Chattel loans are not covered by the Real Estate Settlement Procedures Act or CARES Act
Lower interest rate than a personal loan
Higher interest rate than a traditional mortgage
Pays down more quickly than a traditional mortgage
Shorter term may create higher payments
Interest paid is tax deductible
Interest paid is also tax deductible with a traditional mortgage
Consumer Protection and Chattel Mortgages
Chattel mortgages on manufactured homes are a special concern to the Consumer Financial Protection Bureau because that type of housing:
• Serves an important role in low-income housing
• Is typically taken on by financially vulnerable people
• Has fewer consumer protections
Manufactured home sellers often have an on-site lender where borrowers can walk away with a chattel loan the same day as the home purchase. In certain scenarios, though, better financing options might be available.
The Takeaway
Buying a manufactured home or a piece of heavy equipment? A chattel loan could be the answer. If, though, you are buying a manufactured home and own the land, a traditional mortgage makes more sense than a chattel mortgage.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
Where can I get a chattel loan?
Lenders specializing in chattel or manufactured housing loans will offer this type of loan.
How much does a chattel mortgage cost?
The interest rate of a chattel mortgage could be several percentage points higher than that of a standard mortgage loan.
What happens at the end of a chattel mortgage?
When a chattel mortgage is paid off, the borrower receives legal title to the property or asset borrowed against. It’s also possible for landowners with permanently affixed manufactured homes to refinance into a traditional mortgage to end their chattel loans.
Is a chattel mortgage tax deductible?
A chattel mortgage qualifies for the same tax deductions that a traditional mortgage does. This includes a deduction on mortgage interest paid throughout the tax year.
Photo credit: iStock/MicroStockHub
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*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
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.
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.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Downsizing, whether it refers to moving to a smaller home, reducing your possessions, or simplifying your lifestyle, can offer a range of benefits. Whether your reason for downsizing is retirement, empty nesters, looking to save money, or finding you just want a more minimalist lifestyle, here is what downsizing can offer you.
More Money
Larger homes are typically more costly. For one, mortgage rates and energy expenses are usually higher.. However, there’s another reason why larger homes are typically more costly. We are driven to fill them with extra stuff like additional furnishings and trinkets.
It’s natural that when we see empty space in our house we want to fill it, but by. reducing the size of your house, you can also reduce the amount of stuff you own and buy. However, this isn’t the case for all homeowners. Having a smaller home might assist you in avoiding overcharging, overspending, and over-purchasing for your enormous house. There simply isn’t space for extras in a smaller house!
Environmental Impact
Reducing the size of your house is a green decision. Generally speaking, smaller dwellings use less energy, which lowers their carbon footprint. A smaller home’s construction and upkeep also typically have less of an impact on the environment. Decluttering and lowering the amount of belongings are also parts of the downsizing process, which over time can result in less material waste and a more fulfilling and environmentally responsible way of life.
Less Upkeep
Taking care of your house for the majority of your life becomes second nature. Because of this, it is simple to forget how much time you spend on your house, from gutter cleaning to grass mowing. You may be surprised by how much time you save in your schedule when you downsize to a smaller, more manageable place.
Additionally, going out of town requires a lot of planning for many people. Who will mow the grass, collect the mail, and ensure your home is secure? Many opt to downsize to a smaller, more manageable area, such as a charming townhouse, a renovated apartment, or a room that may be distinctively yours without being overly cluttered.
Accessibility
It can get a little more difficult to get around as we age. In the long run, moving from a big, four-story house to a ground-level bungalow may be easier on the knees. Additionally, if you decide to downsize at age 50, be sure to consider what you might require in thirty years. It makes sense to spend money on a bed, bathroom, and laundry area on the main floor.
Clutter Doesn’t Accumulate
When you simply do not have the room for extra things, they can’t come into your home. You will have to think hard about buying new pieces of furniture, excess decor items, and even new clothes since storage will be limited. A minimalist lifestyle isn’t for everyone, but having to declutter your home can be beneficial.
Downsizing Debt
Although this may not apply to every homeowner, downsizing into a smaller lifestyle can assist in addressing debt or an excessively large budget. A smaller house usually translates into a more affordable monthly payment and increased opportunities for a contented retirement.
Are you looking to enter the real estate market this fall? Give us a call today! One of the experienced agents at Zoocasa will be more than happy to help you through the exciting home-buying process!
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When looking for funding for your small business, there are plenty of types of loans to consider, including term loans. A term loan provides a borrower with a lump sum of cash they repay on a fixed repayment schedule.
Term loans can be helpful for businesses looking to expand, buy more real estate, update equipment, or purchase more inventory in advance.
So, what are term loans exactly? Read on to learn more about small business term loans, their advantages and disadvantages, and the different types of term loans available.
What Is a Business Term Loan?
A business term loan is a type of small business financing that provides a lump sum of money up front you then pay back over a set period of time, called a term. Payments are often monthly but could be weekly, bi-weekly, or even quarterly.
Part of each payment goes toward the principal, lowering the remaining loan balance, and part goes toward interest. Interest rates on business term loans may be fixed or variable. Repayment terms can range anywhere from 12 months to 25 years, depending on the loan amount, lender terms, and the borrower’s creditworthiness.
Term loans aren’t just used for small businesses, though. Mortgage loans, auto loans, and student loans are also all types of term loans.
What Can a Term Loan Be Used For?
Common uses of term loans for businesses include:
• Buying real estate or upgrading property you already own (the real estate would likely serve as collateral)
• Buying new equipment or repairing equipment you already own (the equipment could serve as collateral)
• Restocking inventory
• Buying vehicles for work
• Meeting payroll and other expenses
• Covering employee wages
What Are Different Types of Business Term Loans?
Most small business owners factor in two things when considering term loans — the purpose of the loan and the term length (there are short-, intermediate-, or long-term business loans).
Payments may be higher with short-term loans than long-term loans, though this depends on how much the business borrows. When considering what your business can qualify for and pay back with its available cash flow, remember to factor in how the length of your loan term affects the payment amount.
Short-Term Loans
Short-term loans typically have a length of less than one year but can extend up to 18 months. Businesses that don’t qualify for a line of credit might find short-term loans helpful. Though these loans are typically easier to qualify for, they tend to have higher interest rates.
It’s important to note that short-term loans may come with a balloon payment, meaning the last payment is much larger than the rest. Keep this in mind when deciding whether a short-term loan is right for your business.
Recommended: The Cost of Capital
Intermediate-Term Loans
Intermediate loans typically have terms between one and three years. Because of their slightly longer payoff time, they may be an option if you’re hiring a new salesperson, for instance, and know there might be some lag time before they start bringing in revenue.
Like short-term loans, intermediate business term loans may also have a balloon repayment structure.
Long-Term Loans
Long-term loans typically have terms of five to 10 years, but they may extend up to 25 years. They typically require collateral, such as real estate or equipment, and may come with lower interest rates than short- and intermediate-term loans.
Long-term loans are often more difficult to qualify for, requiring proof of revenue and a solid credit history. However, they can provide helpful capital for business investments, making them a valuable option for established businesses planning for growth.
Recommended: Merchant Cash Advance for Bad Credit
How Do Business Term Loans Work?
Once you’ve determined the amount you need to borrow and the purpose, you can approach financial institutions to explore their available programs, interest rates, and loan terms.
You’ll also want to find out what documentation you’ll need to apply, what collateral might be required, and whether they can supply the funds on your timeline. Be sure to check what small business loan fees may apply.
Once you’ve evaluated the above factors, compare multiple lenders and choose the one that suits your needs. The loan application process typically happens online, but you may be able to apply in person if the loan is through a bank.
Rates and terms offered vary based on the lender, your personal and business credit history, your time in business, and your financial health and history. Pay particular attention to whether the loans you research are secured and how the interest rates are structured:
• Secured vs. unsecured loans: Secured loans require collateral or a personal guarantee, meaning that your assets will be used as payment if you can’t pay your loan. Unsecured loans do not require this collateral and are therefore riskier for the lender, so they often have higher costs and shorter terms than secured loans.
• Fixed vs. variable interest rates: A fixed interest rate remains stable over the entirety of the term loan. A variable interest rate fluctuates throughout the life of the loan, depending on the prime rate — the rate that commercial banks charge their most creditworthy borrowers.
If you’re approved for the loan, you are free to use the funds once disbursed. From there, you’d make regular payments based on the loan agreement.
Recommended: How to Check Your Credit Score for Free
Deciding If a Business Term Loan Is Right for You
It can be challenging to decide which kind of loan is the right fit for your business. There’s a lot to consider. Here are a few questions to ask before applying:
• Why do I need funding?
• How does this help me reach my business goals?
• How healthy are my business finances?
And if any of these apply to you, it may not be time to consider term loans just yet:
• Your business is new
• You have poor credit
Business Term Loans: Pros and Cons
Like any other loan, business term loans have advantages and disadvantages that are important to consider when deciding whether they’re right for you. Below, we’ve outlined the pros and cons of term borrowing to help you determine whether term loans are a good fit.
Advantages of Business Term Loans
Pros of term loans include:
• You may be able to borrow a large amount of money.
• Multiple types of term loan programs may be available when you look at different lenders.
• Interest rates are typically lower than credit cards, payday loans, and other short-term funding options.
• As you pay the term loan back on time, you can boost your business credit score.
Note: Check with your accountant or tax professional to see what tax benefits you may realize. Term loan interest may be tax-deductible.
Recommended: What Are the Tax Benefits of a Limited Liability Company (LLC)?
Cons of Term Loans
As with any financial product, there are downsides to consider, as well. Cons of term loans include:
• You may be able to borrow a large amount of money.
• Multiple types of term loan programs may be available when you look at different lenders.
• Interest rates are typically lower than credit cards, payday loans, and other short-term funding options.
• As you pay the term loan back on time, you can build your business credit score.
Note: Check with your accountant or tax professional to see what tax benefits you may realize. Term loan interest may be tax-deductible.
Recommended: What Are the Tax Benefits of a Limited Liability Company (LLC)?
Disadvantages of Business Term Loans
Cons of term loans include:
• You may be entering into a long-term debt.
• The loan application process may take longer than you’d like.
• Some business term loans come with prepayment penalties, which means you can’t prepay to reduce the amount of interest paid over the loan’s life.
• If your credit isn’t the best, the interest rates you’re offered may not be, either.
Recommended: Debt-to-Income Ratio
How to Apply for a Business Term Loan
Assess your business goals and lenders’ eligibility requirements as you choose the best option for your company. Here’s how:
1. Compare Small Business Term Loans
Comparing lenders’ terms can help improve your chances of qualifying for a loan. That way, you don’t spend valuable time applying for options for which you’re not eligible. On top of that, it helps keep you from overpaying on rates and fees or endangering your business cash flow with a repayment schedule that’s too aggressive.
2. Look at Each Lender’s Eligibility Requirements
It’s helpful to examine these requirements side by side:
• Personal and business credit
• Time in business
• Annual revenue
• Collateral
• Down payment
• Personal guarantee
3. Scrutinize the Lender’s Fees
Also look at the fees side by side:
• Interest rate and APR
• Origination fees
• Late payment fees
• Early payoff penalty
4. Review the Repayment Schedule
Important questions to ask:
• Are payments made daily, weekly, monthly, or quarterly?
• Are payments automatically deducted from a business bank account?
Many lenders have strict repayment terms for their business term loans, meaning you need to make sure you can meet those standards. That way, you don’t overdraft your accounts, accrue late fees, or damage your credit score.
Recommended: Long-Term Small Business Loans
5. Gather the Required Documents and Apply
When applying for a loan, documents often requested by lenders include:
• Bank statements (personal and business)
• Tax returns (personal and business)
• Business legal documents, including licenses and permits
• Personal identification
• Business plan
• Revenue statements
• Accounts receivable reports
• Accounts payable reports
Because the exact documentation required varies by lender and loan type (and whether collateral is involved), you’ll need to clarify what the lender you choose will need.
Also, it can be worthwhile to explore business grants since those do not need to be paid back.
Recommended: What Are Small Business Grants?
The Takeaway
When businesses seek funding, term loans are worth considering. With a business term loan, the company borrows a certain amount of money in a lump sum and then pays it back in regular installments at either a fixed or variable interest rate. Terms can range from short (even under a year) to long (perhaps as long as 25 years), with the funds used for a variety of purposes.
If you’re seeking financing for your business, SoFi can help. On SoFi’s marketplace, you can shop top providers today to access the capital you need. Find a personalized business financing option today in minutes.
With SoFi’s marketplace, it’s fast and easy to search for your small business financing options.
FAQ
What does “term loan” mean for a business loan?
Like other term loans, a business term loan provides a borrower with a lump sum of cash they repay on a fixed schedule over the set period of time, or term. The interest rate can be either fixed or variable.
What is an example of a term loan?
An example of a term loan is a small business loan of $50,000 from a bank that has to be paid over three years in monthly payments, with fixed interest.
What are the three main types of term loans?
There are short-term, intermediate-term, and long-term loans.
Photo credit: iStock/pikselstock
SoFi’s marketplace is owned and operated by SoFi Lending Corp. See SoFi Lending Corp. licensing information below. Advertising Disclosures: SoFi receives compensation in the event you obtain a loan through SoFi’s marketplace. This affects whether a product or service is featured on this site and could affect the order of presentation. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider.
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.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Charlotte, North Carolina, is a city where Southern charm meets modern sophistication. Often referred to as the “Queen City,” Charlotte has emerged as a vibrant hub for finance, culture, and innovation. Whether you’re considering renting a house or an apartment in Charlotte, NC, buying a home in the area, or just in the beginning phases of imagining life here, we’ll explore just a glimpse of what Charlotte has in store for you in this Rent. guide. Here’s a closer look at what makes Charlotte so well-known and beloved.
What Charlotte is known for: A blend of Southern charm and modern flair
1. Financial powerhouse
Charlotte is the second-largest banking center in the United States, trailing only behind New York City. It’s home to major financial institutions like Bank of America and the East Coast headquarters of Wells Fargo. The city’s financial district, Uptown Charlotte, buzzes with skyscrapers, upscale dining, and cultural landmarks.
2. NASCAR capital
Charlotte is synonymous with NASCAR. The city is home to the NASCAR Hall of Fame, a must-visit for any racing enthusiast. Additionally, Charlotte hosts several major races throughout the year at the Charlotte Motor Speedway, drawing fans from all over the country. Many NASCAR teams and drivers are based in the Charlotte area, cementing the city’s reputation as the heart of motorsports.
3. Culinary scene
Charlotte’s food scene is an eclectic mix of Southern comfort and contemporary innovation. “Charlotte is a city that is full of culture,” Christa Sagmoe with The Avid Pen explains. “You can spend a Friday night gallery hopping from Southend to Myers Park or spend a Saturday morning walking through the gardens of the Duke Mansion or Winghaven. If you’re a foodie at heart, you can enjoy delicious French pastries from Cafe Marie or Copain or, if you prefer Italian fare, Mano Bella recently opened across from the SouthPark Mall where everything is made fresh in-house with products either imported from Italy or sourced from local farms. There’s no doubt when it comes to things to see and do, Charlotte’s got a lot.”
Charlotte is also a craft beer destination, with over 30 breweries in the area.
4. Arts and culture
Charlotte is a cultural melting pot, offering a wide range of experiences for art lovers. “Charlotte’s vibrant street art scene is a hidden gem that captures the city’s creative pulse. From the colorful murals in NoDa to the intricate designs tucked away in South End alleys, the city’s walls tell stories of its past, present, and future,” explains Victor Bubuioc with Overtop Media Digital Marketing. “These artworks aren’t just eye-catching; they reflect Charlotte’s diverse culture and the voices of its local artists. Our Instagram account @overtopmedia features some of these local greats, offering a unique and authentic glimpse into the heart of the Queen City.”
The city is also home to the Levine Center for the Arts, which includes the Mint Museum, the Bechtler Museum of Modern Art, and the Harvey B. Gantt Center for African-American Arts + Culture. Music and theater thrive in Charlotte, with venues like the Blumenthal Performing Arts Center hosting Broadway shows, concerts, and dance performances year-round.
5. Sports enthusiasm
Beyond motorsports, Charlotte has a deep passion for professional and collegiate sports. The city is home to the NFL’s Carolina Panthers and the NBA’s Charlotte Hornets, providing sports fans with action-packed events year-round. College football also has a strong presence, with the Duke’s Mayo Bowl and ACC Football Championship held at Bank of America Stadium.
6. Indoor and outdoor activities
Despite its urban growth, Charlotte maintains a love for the outdoors. The city offers numerous parks, greenways, and nature preserves like Freedom Park and the U.S. National Whitewater Center. The latter is a unique destination that offers whitewater rafting, kayaking, rock climbing, and zip-lining, appealing to adventure seekers and nature lovers alike.
There are plenty of indoor activities to match the plethora of outdoor activities. “Charlotte is known for being a melting pot, with an amazing social scene and welcoming atmosphere for all newcomers,” explains Karen Mikami marketing director of SportsLink, Bottoms Up Events, and Charlotte Nightlife. “Join one of the many adult sports leagues organized by SportsLink, hit up a weekend festival, or check out the bustling nightlife. Regardless of what you’re looking for, Charlotte is a fantastic place to forge new friendships and experience something new and exciting.”
7. Southern hospitality
At its core, Charlotte is known for its warm, welcoming atmosphere. The city’s blend of Southern hospitality and modern appeal creates a unique sense of community. Neighborhoods like Dilworth, Plaza Midwood, and Myers Park offer a charming mix of historic homes, tree-lined streets, and friendly locals, making Charlotte a place where people feel at home.
8. Growing tech scene
While Charlotte is often celebrated for its financial prowess, it is also becoming a hub for tech and innovation. The city is attracting startups and tech companies, particularly in fintech, with a growing number of incubators and co-working spaces. This trend is positioning Charlotte as a rising star in the tech landscape.
9. Education and research
Charlotte is known for its educational institutions, including the University of North Carolina at Charlotte (UNC Charlotte), which is a key player in research and innovation. The city’s focus on education shines through its museums and science centers, such as Discovery Place Science, which fosters a love of learning in people of all ages.
10. Historical significance
Charlotte holds an important place in American history. Its name is in honor of Queen Charlotte of Mecklenburg-Strelitz, wife of King George III. It played a role in the American Revolution, with local leaders declaring independence from Great Britain in the Mecklenburg Declaration of 1775, a year before the Declaration of Independence.
The Queen City: Where tradition meets tomorrow
“Charlotte is known for growth, and they are accomplishing this by respecting the past while creating a better future,” Steve Lonnen with SL Home Group concludes. “Charlotte today attracts over a hundred people daily with its incredible location, access to beach and mountains, four seasons, cost-of-living, dynamic job market, professional and collegiate sports, top 10 international airport, arts, and music festivals, local attractions, hundreds of parks and greenways, a fun/vibrant nightlife, and exploding culinary scene.
Today Charlotte offers all the options of a big city while maintaining the southern charm and warm welcome of a small town. This is why Charlotte consistently ranks as a the top five growing cities, and one of the most desired cities to live in in the entire country,” Lonnen shares.
Charlotte is a city that beautifully balances its rich history with a forward-thinking mindset. Whether it’s the allure of its financial sector, the excitement of its sports culture, or the warmth of its community, Charlotte has something special that draws people in and keeps them coming back.
Wesley Masters works on Redfin’s stellar Content Marketing team as a content writing specialist. She has been with Rent. since 2023 and her previous experiences include non-profit communications, graphic design, and content creation. Wesley lives in Atlanta, GA, and loves outdoor walks, hanging out with her loved ones, and finding new recipes to try on Pinterest. Her ideal home is a brownstone with contemporary interiors.
Are you looking for the best side hustles for moms? Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier. Whether…
Are you looking for the best side hustles for moms?
Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier.
Whether you need to make money to pay the bills, if you’re looking to save for a vacation, or if you simply want to save more money, there are many side hustles that may fit what you’re looking for.
I am a mom and I have done many of the side jobs listed below. Some can be part-time, others full-time, so there is probably something on the list below that can work for you.
Best Side Hustles for Moms
Below are the best side hustles for moms.
1. Blogging
Blogging is a great way for moms to make money from home. It is what I personally do so that I can work from home and spend more time with my daughter.
For me, blogging lets me travel whenever I want, work on my own schedule, make good money, write about topics I enjoy, and I really love having a blogging business.
I started Making Sense of Cents in 2011, and since then, I’ve made over $5,000,000 from my blog. When I began, I had no idea it would turn out to be one of the best jobs for stay-at-home moms. Now, I am extremely grateful for this – and it all started as a side hustle!
One way to earn money with a blog (and this is my favorite way) is through affiliate marketing. This means you recommend products and get paid when someone buys through your link. It’s like earning a commission for sharing products you use and enjoy.
Another way to make money is by placing ads on your blog. As your blog gets more visitors, you can earn money from the ads.
Writing sponsored posts is another option. Companies pay you to write about their products or services (it’s a good idea to choose products that you believe in and that fit your blog’s theme).
Blogging takes time and effort, but it can be very rewarding. You get to be creative, connect with others, and make money doing something you love.
You can learn more about how to begin in my free How To Start a Blog Course here.
2. Sell printables
Selling printables on Etsy can be a great side hustle for moms. You can make extra money by creating and selling digital items like planners, calendars, and worksheets.
All you need is a computer and some design software, and you can work on it at your own pace and from the comfort of your home.
You don’t have to spend any money to start selling printables either.
This is a great way to make money from home because you only need to create one digital file for each product, and you can sell it as many times as you want. You don’t have to print or ship anything. Instead, you create the digital file, and the customer downloads it and handles the rest after buying it from you.
You can learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
3. Proofreading
Proofreading is a great way to make some extra money from home. If you have an eye for detail, you can get paid to spot errors in text.
You don’t need a special degree to start proofreading. Many online companies hire beginners and this means you can get started without lots of experience. Plus, you can build up your skills and portfolio as you go.
The pay can vary. Some proofreaders earn $1,000 a month, while others make six-figure incomes. It depends on how much you work and your experience level. You can do this full-time or just as a part-time gig.
I know several proofreaders (who are moms) who started proofreading as a side hustle, and now it’s their full-time job. So, you can spend as little or as much time as you want growing this job.
You can learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
4. Bookkeeping
Bookkeeping is a great side hustle for moms. It’s flexible and can be done from home.
Bookkeepers keep track of financial records for businesses. This includes recording transactions and balancing accounts.
Before you pass this by because you think you’re not qualified, you might be surprised to know that you don’t need to be an accountant or have any experience. Becoming a virtual bookkeeper is something you can learn from home.
You can learn more at How To Find Online Bookkeeping Jobs.
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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
5. Print-on-demand
Print-on-demand is a great side hustle for moms.
You can create your own designs and sell them on items like T-shirts, coffee mugs, and tote bags. Websites like Etsy make it easy to set up your own shop.
There’s no need to buy supplies or handle shipping. The print-on-demand company (like Printify) takes care of that for you. This means you can focus on being creative and taking care of your family.
Many moms find this side hustle to be simple and rewarding. You can work on it during nap times or after the kids go to bed. If you love designing, this can be a perfect fit for you.
You can learn more at How I Make $1,500 Monthly With My Print-On-Demand Business.
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This freebie will teach you about print-on-demand as well as give you a list of 17 hot-selling products you can sell via print on demand.
6. Run a dog treat bakery
Starting a dog treat bakery can be a fun and profitable side hustle. You can begin this business right from your kitchen so it’s perfect for moms looking to make some extra money.
This side job can be very flexible. You can choose to keep it small and earn $500 to $1,000 a month. Or, if you have more time, you can scale it up and make even more.
You can learn more at How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
Plus, you can sign up for this free training workshop that teaches you the small business plan for starting your own pet bakery.
7. Online survey taker
If you’re a mom looking to make some extra money from home, taking online surveys could be a side hustle.
Companies pay for your opinions on their products or services, which helps them improve and stay competitive. This side hustle is flexible, allowing you to fit it around your busy schedule, whether during nap times or after the kids go to bed.
No, you will not get rich taking surveys (this is not a lucrative side hustle, but it is very flexible!), but you may be able to earn around $50 to $100 per month by answering several surveys each week.
Surveys are almost always done online, and you’ll usually be answering multiple-choice questions or typing in quick answers about your daily life, like where you last shopped. To get started, you can sign up for several survey sites.
Some popular survey sites include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
IncomeFindr
User Interviews
While some surveys pay just a few cents, others can pay up to $20 or more, depending on how detailed and complex they are. This makes it a convenient way for moms to earn a little extra income in their spare time.
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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
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Once you complete five surveys, you’ve earned $5, which you can cash out using the payout options offered by the site (such as PayPal cash and free Amazon gift cards).
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Prime Opinion is a survey website that helps people to earn extra money by sharing their opinions at home. It’s a simple survey site to use: you share your thoughts, and they pay you for them.
8. Virtual assistant
A virtual assistant (VA) can do many tasks from home and this is a popular side hustle idea for moms. They may manage emails, set up appointments, create social media posts, handle customer service, and more. Many small businesses need help with these jobs.
Becoming a VA doesn’t require a lot of training. You just need good organizational skills and a reliable internet connection.
A big advantage of being a VA is flexibility. You can set your own hours and work when it’s best for you, so this makes it a perfect side hustle for busy moms.
You can learn more at Best Ways To Find Virtual Assistant Jobs.
9. Social media manager
Being a social media manager is a great side hustle for moms.
Many businesses need help with their social media accounts because they don’t have the time to keep up with posting and replying to messages, or they simply don’t have the expertise.
Tasks might include creating posts, scheduling them, and interacting with followers. Social media managers might also run ads and analyze their performance.
It’s a flexible job you can do from home, making it perfect for busy moms.
10. Affiliate marketing
Affiliate marketing is a great way for moms to make extra money.
With this side hustle, you promote products or services online. When someone buys through your link, you earn a commission.
You can get started by choosing products you like and trust. This makes it easier to talk about them. People will feel your enthusiasm and trust your recommendations.
Many moms start with their own blogs. You can write about things you know and enjoy. Topics like parenting, cooking, or fashion are good choices. You can add affiliate links in your blog posts where they fit naturally.
Social media is another place to use affiliate marketing. Sharing links on Instagram, Facebook, or Pinterest can reach a lot of people.
Affiliate marketing is flexible. You can do it at your own pace and schedule, so this is perfect if you have kids and need to work around their needs.
For me, I love affiliate marketing and I think it’s one of the best ways to make money online. I especially like how I can do work up front and make money years down the line from older blog posts. So, it is kind of like a form of semi-passive income.
If you want to learn more about affiliate marketing, I recommend signing up for Affiliate Marketing Tips For Bloggers – Free eBook.
11. Online tutoring
Online tutoring is a great side hustle for moms. You can teach different subjects from your own home and this flexible job allows you to set your own hours.
If you love math, science, or another subject, there are students looking for help. You don’t need to be a certified teacher, but having a good grasp of the subject is important.
Online tutoring also pays well. Average rates can range from $10 to $30 per hour, depending on the subject and your experience.
12. Pet sitting and dog walking
If you love animals, pet sitting and dog walking could be the perfect side hustle for you.
Pet sitting is when you look after a pet while the owner is away. This could mean feeding, playing with, and sometimes even staying overnight with the pet.
Dog walking is a bit different. You take dogs for walks, making sure they get exercise and fresh air.
Both of these jobs are flexible. You can take on as many or as few clients as you want. This makes it easy to balance with other responsibilities.
My husband’s mother is a dog walker and pet sitter on Rover (the popular dog walking app), and it always seems like she loves this side hustle. She really likes dogs, so it looks like fun to me.
You can learn more at 7 Best Dog Walking Apps To Make Extra Money.
13. Sell handmade crafts
Selling handmade crafts is a fun and creative way to make money as a mom. You can use your skills to create unique items that people love.
There are many types of crafts you can sell. Items like handmade jewelry, painted mason jars, or knit blankets can be very popular. If you’re good at sewing, you can make and sell upcycled clothing or custom pieces.
Selling classes or workshops is another option. If you’re skilled at a particular craft (like knitting), teaching others can be a rewarding side hustle.
You can learn more at 16 Best Things To Sell On Etsy To Make Money.
14. Transcribing
Transcribing is a great side hustle for moms working from home. This is where you transcribe audio files into text for clients.
To start, you only need a computer and good listening skills. Some companies hire beginners, so you don’t need experience.
The pay can vary. Some jobs pay per audio minute, while others pay per audio hour. Usually, though, you can make around $10 to $20 per hour.
Platforms like Rev, Scribie, and CrowdSurfWork are good places to begin.
Transcribing can be done at any time of day, making it flexible for moms. This makes it easy to fit around your family’s schedule.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
15. Photography
Photography can be a great side hustle for moms, and I personally know a few photographers who have very successful photography careers and are also mothers!
This is something you can learn, such as by shadowing another photographer or by taking classes in person or online. As you get better, you can sell your services to others. Portrait photography is a popular choice, such as with taking photos of families, kids, or even pets.
Event photography is another option. Birthdays, weddings, and parties usually need a photographer.
You can also sell your photos online. Websites like Shutterstock or Etsy allow you to earn money from your images. This way, you can work from home and on your own time.
You can learn more at 18 Ways To Get Paid To Take Pictures.
16. Clean homes
Cleaning homes can be a good side hustle if you enjoy tidying up. Many people need help keeping their houses clean but don’t have the time to do it themselves.
You can set your own hours, making it easy to fit into your daily schedule. You can start by selling your cleaning services to friends and family. Once you get some experience, you can expand your client base.
You don’t need much to start. Basic cleaning supplies and a positive attitude can go a long way. You can also charge by the hour or by the job, whichever works best for you and your clients.
I know several mothers who clean homes in their free time, and they like how they can find homes to clean that fit into their schedule (so, it can be flexible!).
17. Baby equipment rental
Renting out baby equipment can be a great way for moms to make extra cash. Many mothers likely already have a bunch of different baby items at home, so they can make money with them when they are not being used.
Platforms like BabyQuip help connect you with families who need baby gear when they travel. You can rent out items such as strollers, cribs, car seats, and even toys.
You earn money based on how often your items are rented. The more popular the equipment and the busier the travel season, the more you could earn.
Some top providers make over $10,000 a month by renting out baby gear (at this level, they are definitely buying things with the sole purpose of renting them out, though, and not just renting out things they have just laying around their homes).
18. Book author
As a mom, becoming a book author can be a great side hustle. You get to share your stories or knowledge while working from home.
You can write about anything that interests you. Whether it’s a children’s book, a novel, or a guide on something you know a lot about, there’s a place for your work. You could even write romance novels!
Income from book sales can vary. New authors might see $0 to $500 a month, while experienced authors can make between $1,000 and $10,000 per month.
Writing a book does take time and effort. You might need to write during nap times, after the kids go to bed, or when they are in school.
19. Real estate agent
Becoming a real estate agent can be a great side gig for moms. You get to help people buy, sell, or rent properties. You can set your own hours, which is perfect for balancing work and family time. Plus, the more properties you sell, the more money you can make.
You can start part-time and grow your business as you gain experience. Real estate agents usually earn commissions, so your income can vary. It’s possible to earn a lot if you work hard and build good relationships with your clients.
20. Travel agent
Being a travel agent from home is a great side hustle for moms. You help people plan their trips, find the best deals, and book their vacations.
It’s ideal for moms who love to travel and know how to find great deals. If you have experience planning trips, this can be a rewarding way to earn money.
21. Freelance writing
Freelance writing is a great side hustle for moms, and I think it’s one of the most realistic jobs for stay-at-home moms. It lets you work from home on your own schedule, so if you love to write, this could be a perfect fit.
You can write many things like blog posts, articles, or website content. The pay can start from around $50 per article but can go up to over $1,000. As you gain more experience, you might earn even more.
One big advantage of becoming a freelance writer is the flexibility. You can work when your kids are napping or busy with activities. This makes freelance writing great for busy moms.
You don’t need a lot to start either, which is nice. A computer and internet connection are enough.
I have been a freelance writer for years, and I think it’s a great way to make money as a mom.
You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).
Time Management Tips for Moms
As you may have noticed above, there are a lot of different side hustles for moms.
But, how can you fit them into your already busy schedule?
I get it. Being a mom is hard work, and you may feel scattered already.
Managing time can be tough for moms who have a lot to handle. Here are some simple tips to help you stay organized and use your time wisely.
Creating a schedule
I recommend that you start by creating a weekly schedule. Write down everything you need to do, like work, family time, and personal tasks. You may want to use a planner or a digital app to keep it all organized.
Then, allocate specific times for your side hustle. It could be during your child’s nap time or after they’ve gone to bed. Consistency helps in sticking to your plan.
Don’t forget to schedule some “me time.” Whether it’s reading a book or going for a walk, taking breaks can help you recharge.
Review your schedule at the end of each week. Adjust what didn’t work and keep improving. This way, you’ll find a rhythm that suits you best.
Balancing work and family
Balancing work and family is important. I recommend that you set clear boundaries between work time and family time. Let your family know when you’ll be working on your side hustle so they can respect that time.
You may want to find activities for your children that don’t need constant supervision. This can give you pockets of time to focus on your tasks.
Another way is to prioritize tasks based on importance. Use to-do lists to keep track of what needs to get done. Tasks with tight deadlines should come first. For me, I have a constant to-do list on my phone, and I find that helps me remember everything as well as prioritize everything that I have going on.
To balance work and family, you will want to remember to have family activities. Movie nights or game days can strengthen family bonds and make up for the time you are working. Quality time with family is just as important as work.
Time management is about finding balance and being flexible. What works for one mom might not work for another, so keep adjusting until you find what works best for you.
Frequently Asked Questions
Below are answers to common questions about side hustles for moms.
How can moms make money on the side?
There are many ways for moms to make money on the side, such as starting a blog, selling handmade crafts, selling printables on Etsy, proofreading, bookkeeping, freelance writing, tutoring, dog walking, photography, and more.
What are some flexible ways for moms to earn money at home?
There are many ways for moms to earn money from home. They could start a bookkeeping business, sell online courses, start a blog, transcribe, or even work with print-on-demand services to sell custom-designed items.
Can you list creative side jobs for stay-at-home moms?
Some creative side jobs for moms include blogging, making and selling printables, baking (and selling) dog treats, graphic design, voice-over work, and starting a YouTube channel.
How do working moms find time for side jobs?
Working moms can find time for side jobs by finding small pockets of time during the day, like when the kids are napping or after they go to bed. Using a planner can help organize your time and set achievable goals to keep on track.
What’s the easiest side hustle for moms with no previous experience?
Taking online surveys or becoming a virtual assistant are great options for moms with no prior experience. These jobs are easy to start and require little to no training.
How can a stay-at-home mom make $2,000 a month?
To make $2,000 a month, a mom could sell multiple services like bookkeeping, proofreading, or selling a range of products such as printables and crafts. Combining several side hustles can help you reach this goal. Or, you could focus on a single side job and spend more time on it.
How can a SAHM be financially independent?
A mom can definitely become financially independent. This is possible by diversifying their income streams. They can sell products online, sell freelance services (like writing or bookkeeping), or even invest some time into building a successful blog or YouTube channel.
How To Find Side Hustles for Moms – Summary
I hope you enjoyed this article on the best side hustles for moms.
Finding the right side hustle can make a big difference for moms who want to earn extra money while still focusing on their families.
Many of the side hustles for moms above have a lot of flexibility, the chance to work from home, and the opportunity to do what you love.
Whether you start a blog, sell handmade crafts, or become a virtual assistant, there’s a side hustle that can fit into your busy life.
What do you think are the best side hustles for moms?
If you’re thinking about purchasing a property, you’ve likely sifted through available home loan options to determine what’s best.
There are lots of loan types of choose from, including conventional loans (those not backed by the government) and government-backed loans, such as FHA, USDA, and VA loans.
While each have their pros and cons, there is one hidden danger to taking out an FHA loan, especially if you’re buying a home as opposed to refinancing an existing loan.
In competitive markets where there are multiple bidders vying for the same property, the financing you choose matters.
Sellers want assurances that you can actually close your loan, and that could make or break your offer.
Home Sellers Care What Type of Mortgage You Use
Over the past decade, home buying has been very competitive. It’s been a seller’s market for as long as I can remember.
In fact, even when the housing market bottomed in 2012-2013, it was still difficult to find a property.
While short sales and foreclosures were prevalent then, inventory was still relatively scarce and many savvy buyers entered the fray quickly to scoop up bargains.
Over the years, it has only gotten worse, thanks in part to underbuilding since the mortgage crisis, and also due to record low mortgage rates.
That combination of limited inventory and low mortgage rates propelled home buyer demand to new heights.
And the fact that millions were entering the prime home buying age (of 34 years old) didn’t help either.
Long story short, you’ll often face other bidders when making an offer on a home. And one of the things sellers look at when evaluating offers is financing.
How will you be able to afford the property. Will you pay with cash? Probably not, but know that cash is king and will make your offer stand out above the rest.
A close second might be putting 20% down on the home purchase because it shows you’ve got a lot of skin in the game and assets in the bank.
It also provides wiggle-room should the appraisal come in low, allowing you to retool the loan amount as necessary.
Further down the pecking order are FHA loans, which allow borrowers to come in with just a 3.5% down payment and FICO score as low as 580.
While that’s great for borrowers in need of flexible underwriting guidelines, sellers might not be as keen. After all, they need the loan to fund to sell the property!
FHA Loans Have a Negative Stigma
That brings me to a new report from the Consumer Federation of America (CFA), which “highlights the stigmatization of FHA loans,” especially in competitive housing markets.
The graph above shows how FHA lending was popular when banks were risk-averse post-crisis, but fell off once conditions improved, possibly because such buyers were outbid by those using conventional financing.
In addition, they found that FHA lending is less common in more affluent communities or those that are predominantly white.
This means minority individuals may be relegated to less desirable neighborhoods, where seller’s agents are more familiar and willing to work with borrowers who need FHA loans to qualify.
The result is the unintended effect of “perpetuating socio-economic and racial segregation” in the housing market.
There are a couple main issues that drive this negative perception of FHA loans, per the CFA.
One is that the FHA includes a mandatory inspection as part of the appraisal process to establish minimum property requirements.
While it’s not necessarily an intensive inspection, it does require the property being financed by an FHA loan be “safe, sound, and secure.”
So things like access to clean drinking water and working appliances, and no hazards like lead-based paint or overhead power lines.
Some of these items might wind up being a nuisance for the seller, who must now either repair/resolve the issue or work out an arrangement with the buyer. The CFA notes that sellers aren’t “financially liable to make all repairs.”
But nonetheless, it can present an unnecessary roadblock and put a deal in jeopardy, especially if the buyer is already lacking funds.
That brings us to the second issue, which is that real estate agents have a “perceived stigma about FHA mortgages and their buyers.”
Some look at it like a loan program for less qualified applicants, or a government program (which it is) riddled with bureaucracy or inefficiencies.
In turn, it becomes a sort of self-fulfilling prophecy where such applicants might be avoided and then only bid on homes in less desirable areas.
These areas then see a high concentration of FHA loans as a result, and such loans become further stigmatized because agents in the “good areas” don’t deal with them.
If they are to make their way into a desirable neighborhood and/or home, they might find that they need to “overbid” to get their offer accepted.
What’s the Solution to Make FHA Loans Less Discriminatory?
The CFA came up with four policy recommendations to level the playing field for FHA loans, which they argue have helped millions purchase a home.
They believe more states and cities should pass “source of income” or “source of financing” anti- discrimination statutes, which make it illegal to refuse to rent/sell/lease based on income used.
Originally intended to protect renters using things like subsidized Section 8 vouchers, it could apply to home buyers using government-insured mortgages.
For example, preventing anti-FHA language in an MLS listing or real estate advertisement.
The next step is to “simplify FHA inspection criteria” to reduce potential hurdles for home buyers.
Another measure would be for real estate agent trade groups to dispel myths related to FHA loans and educate them on how to better work with FHA buyers.
Lastly, they argue that Congress/HUD should increase funding for Fair Housing Centers to investigate FHA home buying trends.
And if necessary, bring cases against offending real estate agents, lenders, brokers, etc. that perpetuate “financing discrimination.”
While I’m not opposed to their findings or their solutions, the bottom line is sellers will still gravitate towards the most creditworthy buyers.
Their agents will likely reinforce this as well when looking at multiple offers. As noted, the cash buyer will always be king. Then the 20% down buyer, assuming they have at least decent credit.
Unfortunately, the lowest rung tends to be the FHA buyer, who can get approved with a 580 FICO score and 3.5% down.
Conversely, a conventional loan buyer using a loan backed by Fannie Mae or Freddie Mac needs a 620 FICO score. And there are fewer hoops to jump through in terms of a mandatory inspection being part of the appraisal.
So in practice, while FHA buyers shouldn’t be discriminated against, they will still be lowest in the pecking order when a seller evaluates offers, all else equal.
Perhaps some of the proposed solutions will help, but if sellers and their agents look at the loan like an underwriter would, and see a lower credit score combined with little money down, they might be less inclined to accept the offer.
And that’s not necessarily a bad approach or discriminatory. It’s weighing the options and determining which buyer has the best approval odds, which gets the home sold.
Make Yourself a Better Borrower Before You Apply for a Mortgage
While there are no doubt issues that need to be addressed and resolved in the lending space, there are some actionable things you can do on your own.
Often, FHA loans are used because the borrower doesn’t qualify for conventional financing.
And sometimes this is due to a low credit score, as the chart above shows even high-income earners often wind up with FHA loans.
So something prospective home buyers can do is work on their credit before they apply for a home loan to ensure their three scores are all 620+.
At the same time, they can better educate themselves on their options so they’ll know if they’re eligible for a conforming loan before speaking to a lender.
Or they can outright ask the loan officer or mortgage broker if they qualify for a loan backed by Fannie Mae or Freddie Mac. And if not, why not?
If you get your ducks in a row early on, you’ll have more lending options at your disposal and be less impacted by any stigma attached to a given financing type.
You may even score a lower mortgage rate and get your offer accepted by the home seller in the process!
Read on: Conventional vs. FHA Pros and Cons
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.
A new paper from Yale professor Kelly Shue argues that consumers mistakenly wait to take out mortgages and other long-term loans when the Fed is expected to cut rates.
Their confusion seems to be related to conflating short-term and long-term rates, which don’t necessarily move in tandem.
In fact, short-term rate moves are typically already baked in to long-term rates, meaning there’s no need to wait until the cut is official for an even lower interest rate.
The savings of short-term rate cuts should already be reflected in the interest rate of a long-term loan such as a 30-year fixed mortgage.
Despite this, home buyers and even professional forecasters tend to get this wrong according to the research.
Short-Term Rates vs. Long-Term Rates
Consumers have long misunderstood the relationship between the Fed and mortgage rates.
Many incorrectly believe that the Fed directly controls mortgage rates. So when the Fed announces a rate cut, prospective home buyers expect mortgage rates to come down as well.
For example, the Fed is widely expected to lower its fed funds rate by 25 (or maybe 50 basis points) at its September 18th meeting.
When this takes place, there will be a slew of articles written about how “mortgage rates fall” and the like.
Some may even assume that the 30-year fixed fell by the same amount, whether it’s 0.25% or .50%.
So if the 30-year fixed was 6.50% the day before the meeting, a hypothetical home buyer might think the going rate is 6.25% or even 6% the next day.
In all likelihood, they’ll probably be disappointed if and when they speak to their loan officer or mortgage broker.
Chances are mortgage rates won’t budge much at all. And perhaps worse, they could actually rise after the Fed announces a rate cut!
This all has to do with short-term and long-term rates, with the fed funds rate a short-term rate and the 30-year fixed a long-term rate.
While they can impact one another, there isn’t a direct correlation. This is why you don’t hear mortgage rate experts telling you to use the fed funds rate to track mortgage rates.
Instead, the 10-year bond yield is a good way to track mortgage rates, since historically they have a very strong correlation.
Simply put, they are both long-term rates and function fairly similarly because many home loans are paid off in a decade or so despite being offered a full 30 years .
Should You Wait for the Fed to Cut Rates Before Refinancing (or Buying a Home)?
That brings us to consumer behavior surrounding rate cuts and hikes. Before we talk about rate cuts, which are finally on the table, let’s talk about rate hikes.
When the Fed is expected to hike rates, people tend to rush out and lock their loan before rates go up even more.
The researchers, which include Professor Shue, Richard Townsend, and Chen Wang, argue that this too is “a mistake.”
They note that knowing “that the Fed plans to gradually increase short rates does not mean that long rates will gradually increase in tandem.”
Conversely, they say “the long rate jumps immediately in response to such an announcement,” meaning there isn’t a rush to lock your rate before the Fed acts.
Now when we flip the script and consider a rate cut, the same logic applies. If you’re waiting to buy a home or refinance your mortgage due to an impending rate cut, it might be a mistake.
The Fed rate cuts are mostly telegraphed in advance and known to market participants. So there won’t be a big surprise on the day of the announcement that leads to a significant improvement.
At least not with regard to the rate cut announcement itself. This is why mortgage rates often defy logic on the day Fed announcements take place.
Sometimes the Fed raises its rate and mortgage rates fall. And sometimes the opposite happens.
And again, this is due to the disparity between short-term and long-term rates.
What About Long-Term Monetary Policy?
While I agree with the researchers on the point of short-term rate cuts already being baked in to longer-term rates like 30-year mortgages, there’s one other thing to consider.
The expected long-term monetary policy of the Fed. If they are just beginning to cut short-term rates, there is a chance long-term rates continue to improve over time.
I know, the researchers already debunked this with their talk about gradually increasing rates, saying people “fail to recognize that the current long rate already reflects future expected changes in short rates.”
And at the moment, the consensus is for the Fed to cut rates 200 basis points or more over the next year, per CME.
By the September 17th, 2025 meeting, the fed funds rate could be in a range of 3% to 3.25%, down from 5.25% to 5.50% currently.
Sure, you could argue that this too is somewhat baked in to long-term rates at the moment, but there’s still a degree of uncertainty.
If and when the Fed does actually begin cutting rates, instead of merely hinting at it, we could see longer-term rates trickle down further.
Of course, that will depend on economic data and things like inflation and unemployment, which will only reveal themselves over time.
But if you look at the rate tightening cycle, which involved 11 Fed rate hikes between early 2022 and mid-2023, you’d see that mortgage rates kept getting worse and worse.
Granted that too was driven by the underlying economic data, namely out-of-control inflation.
Still, the 30-year fixed surged from roughly 3% in early 2022 to around 8% during that span of time. So those who did go out and lock their rate ASAP were rewarded.
Even someone who chose to take out a 30-year fixed in March 2022 was able to snag a ~3% rate versus a rate of nearly 6% by as early as June of that same year.
In other words, what the Fed has already indicated might be baked in to rates today, but what we’ve yet to find out could push rates even lower as time goes on.
There’s no guarantee mortgage rates will continue to decrease from here, but it’s decently likely if economic data continues to come in cold.
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.
San Diego is known for its sun-soaked beaches and relaxed coastal vibe, but the city offers a collection of unique experiences that capture the essence of its diverse culture and community spirit. Maybe you’re thinking about buying a home in San Diego, CA, or renting a house or apartment in the city. Or perhaps you’re just in the beginning phases of imagining life here. Wherever you’re at, we’ll explore just a glimpse of what San Diego has in store for you.
1. Ride the waves
Learning to surf is an absolute must for anyone moving to the area, and San Diego Surf Lessons make it easy. Located in Solana Beach, Cal Coast Adventures provides everything you need—surfboard, wetsuit, and a professional instructor—for an unforgettable time on the warm waters of the Pacific. The experience starts with the basics and progresses to more advanced techniques, ensuring both safety and fun all while soaking in the sunny coastal ambiance.
2. Tap into local craft brews
For those looking to experience San Diego’s renowned craft beer scene like a local, TapRoom Beer Co. in Pacific Beach is the place to be. This laid-back spot offers a vast selection of local brews under one roof, combined with delicious food and a killer beer garden. The chill atmosphere makes it a perfect hangout for both craft beer aficionados and those just looking to soak up the San Diego vibes.
3. Tap into your creative side
If you’re in the mood for something hands-on and creative, a visit to The Mudd House Ceramics Studio is a must. This community-centric studio offers pottery classes that are as much about socializing as they are about creating. You can dive into the art of ceramics, meet new people, and perhaps even start a new hobby. It’s a fun activity that adds a unique touch to your San Diego experience.
4. Savor authentic Italian
For a taste of Italy in the heart of La Jolla, Piazza 1909 is the place to be. This family-owned Italian restaurant, with their Chef Stefano from Milan, offers a cozy spot for outdoor dining with a dog-friendly atmosphere. The menu caters to all with gluten-free and vegan options, making it a versatile choice for any gathering.
5. Sip unique lattes
Located in the trendy North Park neighborhood, Lazy Eye Coffee is more than just a coffee shop—it’s a creative hub. Known for its unique lattes with house-made syrups and a playful food menu, this spot is perfect for those looking to relax in a stylish setting. The beautiful patio, complete with a cactus garden and pallet forest, offers a serene environment to enjoy your coffee and soak in the neighborhood’s artistic vibe.
6. A culinary journey in the Convoy District
San Diego’s Convoy District in Kearny Mesa is a cultural haven, especially for food lovers. The nearly 2-mile-long street is packed with over 200 Asian restaurants, shops, and grocery stores, offering a culinary journey like no other. Whether you’re craving Korean BBQ, Japanese sushi, or Chinese dim sum, Annie & Ty at The Seasoned Wok recommend bringing your appetite and diving into the diverse flavors that this vibrant neighborhood has to offer.
7. Experience coastal dining at its best
For a true taste of San Diego’s Mexican roots, Chantelle from DOPE AF Food suggests two of their favorite restaurants that perfectly capture the city’s chill, coastal vibes and proximity to Mexico. Casa Guadalajara, nestled in Old Town, delivers an original experience with its festive ambiance, extensive menu, and live mariachi music, offering a true blend of California and Mexican culture. If you prefer a location with a more serene vibe, Chantelle also recommends George’s at the Cove in La Jolla. Here, you can enjoy fresh seafood, specialty cocktails, and breathtaking ocean views—making it the perfect spot to unwind and catch the sunset.
8. Discover breathtaking art
San Diego’s downtown Marina District is home to Art Scene West, a vibrant cultural hub that showcases breathtaking works of art. This gallery not only offers a diverse collection of fine art but also encourages creative expression through interactive guided painting events known as Painting Parties. Whether you’re looking to add a piece of art to your collection or simply enjoy a creative date night, Art Scene West is a must-visit.
Photo courtesy of Art Scene West
9. Shop local at Point Loma Farmers Market
For an authentic “locals-only” experience, head to the Point Loma Farmers Market. Nestled in the heart of the beautiful Point Loma Hills neighborhood, this market offers a variety of attractions, from organic farm goods to unique crafts and jewelry. The market is also home to one of the largest Brazilian communities in San Diego, adding a rich cultural flavor to the experience. With a free kids area, delicious food booths, and a vibrant community atmosphere, it’s a great way to spend a Sunday morning.
10. Satisfy your taco cravings
San Diego is famous for its Mexican food, and City Tacos, a favorite of Chef Ben Mastracco, offers a delicious twist on the classic taco. With multiple locations throughout San Diego, this taco spot blends traditional flavors with gourmet ingredients, all served in a relaxed setting. Pair your meal with one of their local craft beers for an unbeatable combination that epitomizes San Diego’s vibrant food scene.
11. Create and connect
For a more intimate and personalized creative experience, consider booking a private ceramics class at Clay Society. Led by Janna, the artist behind Isiko Global Goods, these classes offer a relaxed and inspiring environment where you can craft your own pottery pieces. It’s a perfect activity for a date night or a small group of friends looking to try something new and artistic.
Photo Courtesy of Clay Society
12. Immerse yourself in art
Located in the Liberty Station Art District, Mi Gallery Tu Gallery is a must-visit for art enthusiasts to immerse themselves in San Diego’s art scene. This gallery hosts art exhibitions, workshops, and private events, making it a vibrant part of the city’s cultural fabric.
13. Reconnect with nature at Torrey Pines State Natural Reserve
One of San Diego’s natural wonders, Torrey Pines State Natural Reserve offers breathtaking views of the Pacific Ocean, unspoiled beaches, and the rare Torrey pine trees. This 1,500-acre park is a “coastal gem” that provides a quintessential San Diego experience. Whether you’re hiking, whale watching, or simply soaking in the sunset, Torrey Pines is a place where the beauty of nature takes center stage.
14. Shop vintage treasures
Finally, for a truly unique shopping experience, check out Bad Madge & Co. in San Diego’s South Park neighborhood. Voted the best vintage store in the country in 2022, this eclectic shop offers a curated mix of vintage treasures, local designer pieces, and retro finds. It’s a perfect stop for those looking to discover unique items that reflect San Diego’s character.
Unique things to do in San Diego, CA: Final thoughts
San Diego is a city bursting with unique experiences that go beyond the usual tourist spots. From riding the waves to exploring cultural districts and dining on gourmet tacos, there’s always something new and exciting to discover in the city. Whether you’re exploring the neighborhoods or immersing yourself in the local culture, living in San Diego offers endless opportunities to create unforgettable memories.
Looking to get some extra cash from your old electronics? You’re not alone! Many people have used electronics lying around, and selling them can be a great way to make some extra income. Plus, finding the best places to sell used electronics is also a great way if you need to make money fast, such…
Looking to get some extra cash from your old electronics? You’re not alone! Many people have used electronics lying around, and selling them can be a great way to make some extra income.
Plus, finding the best places to sell used electronics is also a great way if you need to make money fast, such as if you are looking to make money in one day.
There are many places where you can sell your used electronics quickly and easily. Whether you’re upgrading your tech or just decluttering, finding the right platform is key to getting the best value. You’ll want to know where to go and what to expect to make the process smooth and profitable.
I have sold many of my used electronics over the years, including a cell phone, a laptop, and a camera. And, there are many more you can sell as well, such as gaming systems, smart watches, fitness trackers, headphones, speakers, and tablets.
Best Places To Sell Used Electronics
Below are the best places to sell used electronics.
1. Decluttr
Decluttr might be the perfect solution for you if you want to sell electronics online instantly as this is one of the best selling apps for electronics. You can trade in your devices like phones, game consoles, iPads, tablets, MacBooks, DVDs, and more.
I have personally sold a cell phone on Decluttr and I found the process to be very easy, and that is why this is my top choice if you are looking to sell your used electronics easily and hassle-free.
To sell on Decluttr, you just head to the Decluttr website and answer the prompts about what you would like to sell. They will want to know the type (phone, gaming console, laptop, etc.), the condition (they accept items in “Excellent,” “Good,” and “Poor” conditions), the storage capacity, and more.
Decluttr will then give you a price and you’ll be given a shipping label if you accept. You will then have to find a box to put the item in.
Once Decluttr receives and processes your items (usually the next day after receiving them), you’ll get paid by direct deposit or PayPal.
Decluttr also accepts broken electronics. Even if your device is water-damaged or has cosmetic issues, you can still sell it by marking the condition as “Poor.”
You can check out Decluttr by clicking here.
2. Gazelle
Gazelle is a popular option if you want to sell your used electronics quickly and easily. They buy a variety of devices including iPhones, Samsung Galaxy phones, iPads, and more.
To get started, tell Gazelle about your device. They will give you an estimated price. If you accept, you send your device to them for free.
Once Gazelle gets your device, they inspect it to make sure it matches what you described. After that, you get paid quickly. This process is simple and fast, which makes it convenient for many sellers.
You can check out Gazelle by clicking here.
3. Amazon Trade-In
Amazon Trade-In is a simple way to sell your old electronics if you are just learning how to sell your stuff. You can get an Amazon gift card or a promotional discount for your device. The process is quick, and you can do it online.
Amazon accepts many types of electronics like phones, tablets, and smartwatches and from brands like Amazon, Apple, Samsung, Microsoft, Google, Sony, Arlo, Foscam, NETGEAR, Bose, ASUS, TP-Link, and more. You answer a few questions about your item, and then Amazon gives you an estimate.
If you agree with the estimate, Amazon provides a free shipping label. You can mail your device or drop it off at a participating location.
Once Amazon gets your device, they will verify its condition. If it matches what you described, you get your gift card or discount. If the condition is worse than expected, you can choose to have the device returned or accept a lower value.
Amazon offers Instant Payment for some trade-ins. This means you get your gift card right away. If you don’t qualify for Instant Payment, you will get your gift card once Amazon processes your device, which can take up to 15 business days.
4. Apple Trade In
I recently traded in my old laptop to Apple and made around $300 for a laptop that was around 5 years old (and was actually broken with a flashing screen). I did it all right on the Apple website and it was very easy to sell.
Apple Trade In lets you trade your old device for credit toward a new one. You can do this either online or at an Apple Store. If your device isn’t worth any money, no worries. Apple will still recycle it for free.
You can trade in an iPhone, iPad, Mac, or Apple Watch.
You can use trade-in credit toward a purchase or get an Apple Gift Card. I was buying another laptop, so I just got store credit and put it toward my purchase.
Now, you may be wondering if your data and privacy are safe if you’re selling your laptop (which probably has a lot of passwords and documents that you would like to keep secure). Apple makes sure that your data is safe throughout the process, and they guide you on how to back up and erase your data.
5. eBay
I have sold many, many items on eBay over the years, from clothing to electronics and more.
EBay is a great place to sell your used electronics because it’s a huge marketplace with millions of buyers.
You can list almost any device, from old phones to gaming consoles. The auction format can help you get the highest price for your items.
Creating a listing is simple on eBay and you just add photos, describe your item, and set your price. You can also choose to sell at a fixed price if you don’t want to wait for an auction to end.
Now, eBay does have a cost. They charge fees for listing and selling items, so you’ll want to be sure to check their fee structure to understand how much you’ll pay.
6. Best Buy Trade-In
Best Buy’s Trade-In program is a great way to get rid of your old electronics and earn some store credit. They accept a wide range of devices, like phones, tablets, game consoles, and more.
Once you bring in your used electronics, they will evaluate them and give you a Best Buy gift card in return. You can use this gift card to shop for new electronics or accessories at any Best Buy store or on their website.
You need to be at least 18 years old to take part in this program. If you live in Alabama or Nebraska, you need to be 19 years old.
Best Buy also offers convenient options for trading in your devices. You can bring your items to a store or use their website to get a trade-in estimate and mail your items for free. This makes it easy to trade in your devices from the comfort of your home.
7. Swappa
Swappa is a popular choice if you want to sell your used electronics. It’s known for being safe and easy to use. You can sell phones, laptops, tablets, and more.
One of the best things about Swappa is that you deal directly with other users. There is no middleman, which means you can get more money for your items.
All you have to do is create a listing, similar to how you would with eBay.
8. Facebook Marketplace
Facebook Marketplace is a great place to sell your used electronics near you. It’s easy to use and connects you with buyers in your local area, and you can sell items like phones, laptops, cameras, and video game consoles.
One of the best things about Facebook Marketplace is the convenience. You just need to take a few pictures of your item, write a short description, and set your price.
You can also reach many potential buyers quickly since Facebook has millions of users, so this increases your chances of selling your electronics fast and at a good price.
For safety, I do recommend that you meet buyers in public places during the daytime. You are selling electronics after all, so it could be something that someone may want to steal. Many people will meet in a police department parking lot to make sure everything is safe.
9. OfferUp
OfferUp is a popular app where you can sell your used electronics and it’s easy to use, plus you can list almost anything, from phones to TVs.
With this site, you will have to create a listing, along with a description and a price. Buyers can then make offers or ask questions directly through the app.
OfferUp merged with Letgo, which means more potential buyers see your listing. The app also has a rating system for both buyers and sellers and this helps you know who you are dealing with.
You can choose to meet buyers in person or ship the item. OfferUp gives you the flexibility to decide what works best for you. Remember to meet in a public place for safety if you choose the in-person option.
10. Craigslist
Craigslist is a great place to sell your used electronics. It’s free to list your items, which means you get to keep all the money from your sale. No hidden fees!
I have sold many items on Craigslist, and like Facebook Marketplace, I recommend that you meet somewhere safe, such as a police department parking lot.
One of the best things about Craigslist is its simplicity. You just need to create an account, write a quick description, add a few photos, and set a price.
Many people use Craigslist because it’s local. Buyers can arrange to meet you in person, which can be safer and faster than shipping items.
Also, you will want to watch out for scammers. If a deal seems too good to be true, it probably is. Trust your instincts and avoid sharing any personal information. There are a lot of scams on Craigslist, unfortunately.
11. Gizmogo
If you want to sell your used electronics, Gizmogo is a good choice. They make the process quick and easy, and you can get an instant quote online by entering your device’s details.
Gizmogo pays competitive prices for many types of electronics. These include smartphones, laptops, tablets, and gaming consoles. They also accept cameras, drones, and smartwatches.
Shipping is free with Gizmogo. They provide a prepaid label, so you don’t have to pay for shipping. Your device is insured during transit, which adds an extra layer of protection.
Once Gizmogo receives your device, they inspect it quickly. You get paid fast, either in cash or online payment.
12. BuyBackWorld
BuyBackWorld is a great place to sell your used electronics. They make selling easy and quick, and you can sell items like phones, tablets, laptops, and more.
To get started, you simply just go to their website and get an instant price quote for your items. This helps you know how much money you will get. The best part is that you don’t have to guess the value.
After you get your quote, you ship your items for free. BuyBackWorld even provides the shipping label. You just pack up your items and send them off.
Payment is fast. Once BuyBackWorld gets your items and checks them, they pay you quickly. You can get paid through PayPal, a check, or a direct deposit.
13. Pawnshop
Pawnshops can be a great place to sell your used electronics quickly. They buy a wide range of items, from phones and laptops to gaming consoles and cameras.
The main advantage of selling to a pawnshop is the speed of the transaction. You can walk in with your item and walk out with cash in hand, usually within minutes, so this makes it a convenient option if you need money fast.
However, there are a few things to keep in mind when selling your electronics to a pawnshop. First, they typically offer less money compared to other selling options. Pawnshops need to make a profit when they resell your item, so they’ll often give you around 30%-60% of the item’s resale value.
It’s important to research the value of your electronics beforehand so you have an idea of what a fair offer might be. Also, be prepared to negotiate, as many pawnshops expect some haggling.
14. ItsWorthMore
ItsWorthMore.com is a great place to sell your old electronics. It’s easy to get started. You just go to their website, get a quote, and see how much your device is worth.
Shipping is free and they give you a prepaid label, so you don’t have to pay anything.
Once they get your item, they check it out. If it matches your description, you get paid. They send the payment fast, often within a week. You can choose to get paid by PayPal or check.
Frequently Asked Questions
Below are answers to common questions about how to sell your used electronics.
What is the best website to sell electronics?
The best website to sell your electronics often depends on what you’re selling. Decluttr and Gazelle are great for quick sales and you don’t have to create a listing. Facebook Marketplace and eBay can also be good options, especially if you want to reach a large number of buyers.
What’s the easiest way to sell my used computer monitor?
Selling a used computer monitor is easiest through websites like Decluttr or Gazelle. These services provide free shipping and fast payment. You can also try local selling through Facebook Marketplace for convenience and quick cash.
How do I sell my laptop?
To sell your laptop, start by choosing a platform like Decluttr, Gazelle, or Amazon Trade-In. If you have a Mac laptop, then you may want to trade it in to the Apple Trade-In program.
What to do before selling a used laptop?
Always back up your data before selling your laptop. Then, perform a factory reset to erase all personal information and don’t forget to remove all accessories like SIM cards and SD cards. I also recommend that you clean your laptop to make it look presentable.
What is the best place to sell used electronics near me?
For local sales, such as if you want to sell your used electronics near you, I recommend using sites like Facebook Marketplace, Craigslist, or local buy and sell groups. A pawnshop is another option if you want to sell used electronics locally, but you usually can’t get as much money.
What is the best place to sell used electronics online?
Decluttr and Gazelle are top choices for selling used electronics online due to their simple process and quick payments. Amazon Trade-In and eBay are also great options if you prefer more control over your selling price.
Best Places To Sell Used Electronics – Summary
I hope you enjoyed this article on where to sell old electronics for cash.
You can sell many types of electronics such as cell phones, laptops, tablets, and gaming consoles. They don’t have to be brand new either, they can be years old in many cases.
And, sometimes, they don’t even need to work. Yes, even your broken, used electronics may bring you some money. In fact, I personally recently sold my laptop that was 5 years old and broken, and I still made around $300.
Selling old electronics helps you get some money back. Instead of leaving gadgets in a drawer, turn them into cash.
By selling, you also help the environment. Electronics have materials that can be harmful if not disposed of properly. Selling them means someone else can use them, reducing e-waste.
Wondering how to decide what the best place is to sell your used electronics after reading the list above? I recommend thinking about how much money you’ll get, how fast you need the money, and how much effort you want to put toward selling it.
I hope you are able to make some extra money selling your used electronics. I think it’s definitely worth it instead of having it just sit around your home taking up space.
What do you think are the best places to sell used electronics?
A pleasant-smelling home can instantly create a sense of warmth, comfort, and tranquility. However, achieving this without resorting to harsh chemicals can sometimes be a challenge. This expert guide will explore natural methods to infuse your living space with delightful aromas, ensuring a healthy and inviting environment. Whether you’re moving into a new home in Dallas, looking to refresh your current apartment in Fort Worth, or simply searching for a healthier indoor environment, these strategies from ApartmentGuide and experts we interviewed can make a significant difference. From simple household remedies to elegant DIY projects, discover how to make your home smell good naturally by using natural scents to transform your home.
1. Hang eucalyptus plants in your shower
Daniel Zevallos with the Maryland-based company Clean Home Theory shares, “One of his favorite ways to create a cozy and heavenly atmosphere at home is by incorporating eucalyptus plants. A practical and inexpensive idea is to hang eucalyptus plants in your shower; the steam will activate their lovely scent, transforming your bathroom into a relaxing spa atmosphere. Clean Home Theory is such a fan of this versatile plant that they are currently developing their first candle line, including a refreshing white eucalyptus scent that will infuse any room with a cool, crisp, and elevated aroma, thanks to its natural oils.
2. Tailored fragrances for each room
Karen with Essencional recommends, “Rather than using the same scent throughout your apartment or home, it’s much more inviting to use different fragrances in different rooms. For example, the clean and earthy smell of fig hand soap works well in the kitchen, while a reed diffuser such as AquaFlor’s Ambra Home fragrance will create a warm and cozy mood in the bedroom.” Karen also recommends “candles to enhance the ambiance of your living room, and the gentle light is conducive to spending a quiet evening at home. Try a sandalwood or leathery scent such as Diptyque’s Cuir for a clubby feel.”
3. Keep your home odor-free
Sharon Perfumes suggestion if you want to keep your home fresh and odor-free, you should focus on two strategies: “preventing bad smells from building up and adding your favorite scents. Deal with odor sources by washing linens, curtains, and rugs regularly, and keep your kitchen smelling good by cleaning spills quickly and using airtight containers for food.
Sharon also adds that “It’s equally important to introduce pleasant scents into your home. She shares that to create an inviting atmosphere to use vanilla and sandalwood candles, perfect for relaxing after a long day. Lastly, a fresh bouquet of roses or gardenias can naturally and gently perfume any space, making it feel brighter and more inviting.”
4. Sweet U Candles
Sweet U Candles believes that a welcoming home is more than just a physical space; it’s a sanctuary where you can relax and recharge. That’s why their go-to candle for creating a serene atmosphere is sage lavender. The earthy, grounding notes of sage blend harmoniously with the calming, soothing scent of lavender, creating an oasis of tranquility. This comforting fragrance is perfect for unwinding after a long day, helping you to let go of stress and find inner peace.
Photo courtesy of Sweet U Candles
5. Confessions of a Cleaning Lady
Sara San Angelo founder of Confessions of a Cleaning Lady shares that she “believes in the physical and emotional benefits of having live plants in your home. Not only do they clean the air, but studies have shown that being around plants can lower stress levels and promote relaxation. And caring for them, like watering and pruning provides a calming ritual that reduces anxiety.”
So, when looking for how to make your home smell good naturally, Sara looks to plants. She recommends plants like jasmine, eucalyptus, or gardenias, which can make a house smell fresh and pleasant. Plant fresh herbs like rosemary, mint, and basil in pots around your home. “Not only will this make your home smell wonderful, but you can use them to cook and make your home smell even better!”
6. Plant Swag Shop
Plant Swag Shop shares “One of our go-tosfor how to make your home smell good is placing a jasmine sambac plant in a central location in your home. This beautiful plant releases a sweet, calming fragrance that naturally freshens the air and creates a serene atmosphere. It’s an effortless way to enhance your living space with a touch of nature.”
7. Kate Hill Flowers
To naturally freshen your home, Kate Hill Flowers recommends filling it with timelessly fragrant flowers like garden roses, freesias, or oriental lilies. They also share, “For a touch of Australian nature, eucalyptus or flowering gum foliage works beautifully, and looks as good as it smells when creatively displayed in a modern setting.” Kate Hill Flowers loves “enhancing the ambiance of my home with a floral-scented candle. Not to mention the luxury that can be brought to any room with a light spray of natural scent, such as lavender oil, on clean bed linen or a cozy throw.”
Photo courtesy of Kate Hill Flowers
8. Essential Oil Parlour
Melissa Johnson with Essential Oil Parlour suggests adding an essential oil diffuser to the main room or bedroom of your home for an instant, lasting aromatic atmosphere. Do this by creating a diffusing station in just a few easy steps. Keep a container of water plus two or three blends of essential oil like Adaptiv, Balance, or Serenity by doterra at the station. Visiting your diffuser station as one of the first things you do in the morning not only makes your house smell good naturally, but it is also an accessible daily wellness habit.
Ella with Bread and Weather shares this, “Avoid the harmful ingredients and overpowering scents in mass-produced candles by choosing one made with all-natural ingredients.Their essential oil candles are blended and poured in Co. Wicklow, Ireland from natural, aromatherapy ingredients. Seven oil blends inspired by tranquil surroundings will fill your home with luxurious natural scent for hours and hours.”
Photo courtesy of Bread and Weather
Ella also shares to “place a bar of naturally scented handmade soap in your wardrobe. This old-fashioned housekeeping tip has been known by grandmas for generations and is still a winner. Handmade soaps are scented with all-natural, therapeutic essential oils. They will gently scent your clothes as well as naturally deter any little critters who may be attracted to your cashmere sweaters. Helpful tip: A peppermint lemongrass blend is especially good for keeping spiders away.”
10.Fresh air and a clear conscience: GinaBritt Candles
Indulge in the delightful aromas of GinaBritt Candles while supporting a noble cause. These thoughtfully crafted candles not only fill your home with pleasant scents but also contribute to helping animals in need. Experience the perfect blend of fragrance and philanthropy with GinaBritt Candles.
11. Fragrant flowers with Lora Bloom
Lora Bloom shares her best-kept secret to buying fragrant flowers is to buy local. “Most mass-produced flowers are grown for vase life more so than fragrance. Find your nearest farmer’s market or flower shop that sources locally grown blooms, and you’ll be shocked at how fragrant flowers can be! Depending on the season, lavender, freesia, garden roses, sweet peas, stock, eucalyptus, and much more will be available! Even plants like geranium, mint, and rosemary create beautiful and welcoming fragrances in the home!”
Photo courtesy of Missy Palacol Photography.
12. Sweet aroma with Sadie Sunshine
Sadie Nelson, lead floral designer with Sadie Sunshine Floristry, shares this helpful tip of placing freshly cut garden roses in vases throughout your space, as their delicate and fragrant petals release a subtle, sweet aroma. Enhance the scent by drying a few rose petals and using them in homemade potpourri or sachets.
13. A simple stovetop method: Inspire Clean
Inspire Clean shares this helpful and creative tip for how to make your home smell good –by simmering a pot of natural ingredients on the stove. A mix of citrus slices, cinnamon sticks, cloves, and fresh herbs like rosemary or thyme can fill your home with a warm, inviting scent. Simply add these ingredients to a pot of water, bring it to a simmer, and let the fragrant steam waft through your space. It’s a simple, yet effective way to create a cozy and pleasant atmosphere.
14.Scent-sational cleaning with Scents Gift
Scents Gift shares, “To cultivate a naturally fresh aroma in your room, incorporate essential oils into your cleaning routine by adding a few drops to water for mopping or wiping surfaces. Place air-purifying plants like lavender or eucalyptus around the space. Ensure proper ventilation by frequently opening windows, and keep the room clean for a lasting, pleasant scent.”
15. Cork & Candles: DIY fragrance fun
Kenny Straub of Cork & Candles suggests the fun of creating your own custom fragrance through candle making, bringing a unique and delightful scent to your home.”Candle-making is the perfect way to fill your home with a wonderful aroma! As you pour the melted wax into your container and stir it with the fragrance oil, you will enjoy the aroma that fills the air.
By making a candle yourself, you get to enjoy the aroma both when you make the candle and later when you light it. For anyone who wants to enjoy candle making, but who doesn’t want to deal with the hassle of buying supplies, testing recipes, or cleaning up, Cork and Candles can be a great alternative. Cork and Candles offers a BYOB candle-making experience in their luxurious space that allows guests to enjoy the art of candle-making while connecting with friends!”
16. Potpourri: The Blu Blazer Guy
The Blu Blazer Guy says, “The perfect product to use to naturally make my home smell wonderful is the potpourri from the Italian brand Santa Maria Novella. Made from leaves, roots, blossoms, and buds that grow in the Tuscan hills, it fills the air with a sophisticated blend of spicy, woody, and balsamic notes that are utterly addictive. It’s perfect for the upcoming autumn season, lacing the home with its comforting and rich aromas.”
17.How to make your home smell good: Lasting aroma with Aroma Energy
Aroma Energy’s suggestion is “to make your home smell wonderful, add a few drops of Aroma Energy’s fragrance or essential oils, like lavender, fresh linen, anxiety blend or vanilla & coconut, to a diffuser or oil burner, allowing the scent to gently disperse throughout the space. For a more lasting aroma, mix the oils with water in a spray bottle to refresh fabrics or lightly mist the air.”
18. Ever Clean House
Ever Clean House says to “Regularly clean your apartment to prevent odors from developing. Use eco-friendly cleaning products to maintain a fresh environment.
Another great way is to use essential oils in a diffuser, which is a popular and eco-friendly way to keep your apartment smelling fresh.”
19. Beauty and benefits: My Little Flower Shop
My Little Flower Shop’s favorite way to make a home smell heavenly is to place small bouquets of fresh lavender and rosemary throughout the house. Not only do they provide a soothing, herbal fragrance, but they also add a lovely visual touch to any room. For a longer-lasting scent, I often keep these bouquets on display.
A lasting impression: How to make your home smell good naturally
By incorporating these natural methods into your daily routine, you can effortlessly transform your home into a fragrant oasis. Not only will you enjoy the pleasant aromas, but you’ll also contribute to a healthier and more inviting living space. Remember, a delightful-smelling home is not just a luxury; it’s a simple and effective way to enhance your overall well-being.