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Apache is functioning normally

United Home Life Insurance Company has been in the business of offering life insurance coverage to its clients for nearly 70 years. Its parent company, United Farm Family Life, initially began in the insurance industry in 1937. The firm’s headquarters are located in Indianapolis, Indiana.

Unlike many other life insurers requiring coverage applicants to undergo a medical exam prior to approval, United Home Life Insurance Company is primarily known for offering simplified issue life insurance coverage. This means that those who apply for coverage will be approved – even if they have some type of adverse health condition. This is because these types of policies may not require the applicant to take a medical exam, and may not even require them to answer a great deal of health-related questions.

United Home Life Insurance Company has the motto of “Simplified Products – Faster Results” – and the company abides by this in both its life insurance coverage products and in its customer service. This is because the company believes buying life insurance should not be a long, drawn-out process; it should be as easy as possible for customers. This is one of the things that has made United Home Life Insurance Company so successful throughout the years – especially in this particular product niche.

United Home Life Insurance Company Review

United Home Life Insurance Company also abides by the rule of “life insurance made simple.” The goal of the company is to offer life insurance coverage that is easy to understand and that will provide financial security for the loved ones of insured policyholders.

The company offers a nice selection of different types of life insurance coverage – and many of their plans may be further custom-tailored to meet more specific insurance needs via riders, some even at no additional cost to the policyholder.

In addition to being known for its simplified underwriting products, the company is also known for its top-notch customer service. This comes from both its home office staff as well as the independent agents offering the company’s policies.

Combined, United Home Life and its parent company, United Farm Family Life, have more than $2 billion in assets, as well as more than $20 billion of life insurance in force. For this reason, these companies are in a good, solid position to meet the financial promises they have made to their policyholders.

United Home Life Insurance Company Rating

  • A- (Excellent) from A.M. Best Company

The parent company of United Home Life – United Farm Family Life – is also very strong financially. It, too, has been given a high mark, including:

  • A (Excellent) from A.M. Best Company

Types of Life Insurance Available

United Home Life Insurance Company and United Farm Family both offer a wide array of life insurance coverage. This can help clients to better meet their protection needs, as well as assist clients in changing or adding to their coverage as their needs change over time.

The insurers offer both term and permanent protection. With term life insurance, the insured is covered with pure death benefit coverage only – and because of this, the life insurance can often be less expensive than a comparable permanent policy. They are especially more affordable for those looking for a larger policy, such as a million dollar life insurance policy. Term life insurance is purchased for a certain number of years.

Permanent life insurance coverage offers both death benefit protection, as well as cash value build up. The death benefit protection is guaranteed to last for the insured’s lifetime, as long as the premium is paid. Cash value inside of a permanent life insurance policy is allowed to grow tax-deferred. And, the cash may be either borrowed or withdrawn for whatever reason the policyholder sees fit.

Term Life Insurance Coverage

The term life insurance coverage offered through United Home Life Insurance Company and United Farm Family Life provides a defined amount of coverage for a set amount of time. At the end of this “term,” the premium will increase each year until the policy ends, which is typically at the insured’s age of 95.

There are three primary products offered, including:

  • Express Issue Term 20 – This 20 plan is a level death benefit term policy featuring a 20-year initial level premium guarantee period. The premium will increase on a yearly basis after the 20-year period is complete. The policy features four supplementary riders so the insured has the ability to further customize coverage if he or she would like. 
  • Express Issue Term 30 – This 30 plan is a level death benefit term policy featuring a 30-year initial level premium guarantee. Then, the premium will go up annually. There are also four supplementary riders the insured may add for further customization.
  • Premier 20 with ROP – With the Premier 20 ROP policy, there is a 20-year initial level premium guarantee period. At the close of the 20-year period, premiums go up annually. There is also a return of premium feature on this policy. There are two supplementary riders available with this type of policy.

Because these are all simplified issue policies, there is no routine medical exam required as a part of the underwriting process, and the coverage cannot be canceled during the term period as long as the premium is paid.

Permanent Life Insurance Coverage

Provider whole life is a permanent life insurance policy that offers both death benefit protection, as well as cash value build up. This cash is allowed to grow on a tax-deferred basis, meaning that there is no tax due on the gain unless or until it is withdrawn.

This is a graded benefit whole life insurance policy, which means that during the first two years of policy ownership, the benefit for death of the insured by natural causes will be a refund of the premiums paid in, plus interest. However, starting day one of policy year three, the full amount of the policy’s death benefit will be paid to the beneficiary should the insured pass away for any reason. There are also several no-cost riders that may be added to this policy.

Final Expense Life Insurance Coverage

United Home Life Insurance Company and United Farm Family offer several simplified issue final expense whole life insurance policies, too. These plans offer a death benefit that never decreases, as well as premiums guaranteed never to increase. They also offer cash value build up that is allowed to grow on a tax-deferred basis.

There are three final expense policies offered, including:

  • Express Issue Premier – This is an immediate death benefit whole life insurance product offering additional riders and benefits to help in customizing the product to the policy holder’s needs.
  • Express Issue Deluxe – The Express Issue Deluxe also offers an immediate death benefit, as well as numerous additional riders that can help to offer more customized protection.
  • Express Issue Whole Life – This graded benefit whole life insurance policy also provides several no-cost riders designed to provide additional value – including an Identity Theft Waiver of Premium Rider.

Accidental Death Coverage

The company also offers the Protector AD accidental death plan. This accidental death coverage is an inexpensive addition to existing life insurance coverage, and it doubles over 20 years. The premium is level and guaranteed for 20 years, followed by guaranteed increasing annual premiums. There is also a return of premium feature. This plan only has one non-health question on its application.

Other Products Sold

United Home Life Insurance Company and United Farm Family also offer an Express Issue Deluxe Whole Life insurance policy that provides an immediate death benefit to qualifying insulin-dependent diabetics. This means that there is no need to wait for two or three years of policy ownership in order for the full amount of the death benefit to be paid out.

Source: goodfinancialcents.com

Apache is functioning normally

Apache is functioning normally

By Bobby Parker | Editor

Lori’s Ace Home & Hardware will host the Women in Power workshop to teach women how to operate lawn and landscaping equipment with confidence.

The workshop will be from 4 to 5 p.m. July 11 at the hardware store, 2800 Raeford Road, Suite 24A, according to a news release.

Participants will learn to safely operate a leaf blower, weed trimmer and hedge trimmer; the features, benefits and pros/cons of various gas and battery models; and how to maintain the equipment, the release said.

“Since opening in March, we’ve had several female customers ask us how to operate the outdoor power equipment,” said Lori Tracy Stobbe, president and co-owner. “Many women are taking care of the lawn and landscaping duties but may not feel confident in their ability to use the equipment. We can help them.”

The workshop will include a hands-on demonstration and Q&A session. Presenters will include Nate Stobbe, co-owner, and Aaron Russell, assistant store manager. Both have extensive experience operating outdoor power equipment and teaching customers how to use it, the release said.

Reservations can be made by calling the store at 910-900-4455.

Lori’s Ace opened March 15. The nearly 20,000-square-foot store includes an outdoor garden center, patio furniture, home decor and gifts, toys and games, kitchen and bath accessories, and wild bird food and feeders.

Optometrist opens practice on Ramsey Street

Optometrist Joseph Ballard has opened his own practice, Northside Family Eye Care, at 5811 Ramsey St.

Ballard is a graduate of the University of North Carolina at Pembroke and has a doctoral degree from the Southern College of Optometry. He worked at Professional Eye Care in Hope Mills for eight years before opening his practice at the first of the year.

Northside is a full-service eye care practice that helps patients with routine eye exams for eyeglasses and contact lenses, emergency eye care needs, chronic eye treatment and prevention of diseases such as glaucoma, cataracts, and dry eye disease. It is the only locally owned and operated eye care practice in north Fayetteville, according to a news release.

New patients are being accepted, and most insurance coverage is accepted.

Stress recovery center secures art therapy grant from Arts Council

SPRING LAKE — Enclave Stress Recovery Center has received a Mini Grant from the Arts Council of Fayetteville-Cumberland County.

The grant is for seed funding for art supplies and equipment to host adult art therapy classes called “Weekly Wind-Down,” according to a news release. The counselor-led therapy classes will begin at 6 p.m. June 30.

“We are very fortunate to have an art therapist and two licensed counselors on our team at the Enclave,” said Executive Director Taneshia Kerr. “They put a lot of time and research into the curriculum creation, and we are ready to use this award as a steppingstone to bring even more stress recovery opportunities to Cumberland County.”

The Weekly Wind-down will be a 90-minute art therapy program that is open to the public. Participants will meet in a suite that has been prepared with therapeutic-grade aromatherapy diffusion and Tibetan singing bowls, the release said. These modalities are designed to lower physical tension and improve mood.

The program includes a five-minute talk about a stress recovery technique, a guided deep breathing exercise, and an art station with mixed media, the release said.

The Enclave has been providing mental wellness and emotional support services to Cumberland County since 2020. For more information, call 910-354-6287 or email [email protected].

School resource center named for former Superintendent Harrison

Cumberland County Schools’ Educational Resource Center, located at 396 Elementary Drive, has been named in honor of William “Bill” Harrison, former superintendent of the school district. 

Principals, Board of Education members, district staff, elected officials, retired personnel who served with Harrison as well as his family and friends attended a renaming ceremony on June 13. 

Current Superintendent Marvin Connelly Jr. presented Harrison with a plaque.

“Today, we stand on the shoulders of Dr. Harrison’s remarkable legacy,” Connelly said. “His tireless efforts, vision and passion have transformed the lives of countless students, educators and families in our community.”

Harrison spoke candidly about the significance of the honor.

“This is more special to me than a school would have been … because of my history with it and because of how important I think professional development is,” he said. 

Harrison began teaching in Fayetteville after receiving a bachelor of arts degree in intermediate education from Methodist College in 1974. His work began at Vanstory Elementary School in 1974. He was superintendent starting in August 1997 and served until March 2009.

He was appointed by former Gov. Bev Perdue as chairman of the North Carolina Board of Education and served from 2009 to 2012. He then was superintendent of the Alamance-Burlington County School system and retired in 2018. In total, Harrison served Cumberland County for 26 years. 

The Board of Education approved naming the center for Harrison on Feb. 14. 

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Cumberland County,

business,

Lori’s Ace Hardware,

Bill Harrison,

optometrist,

stress recovery

Source: cityviewnc.com

Apache is functioning normally

Apache is functioning normally

Some good news if you happen to have a Bank of America owned mortgage and live in the state of Utah.

A St. George judge has temporarily put a stop to all foreclosure sales in the state after an attorney claimed the bank and its affiliates weren’t properly registered to do business in the state, according to the Salt Lake Tribune.

The case, which evolved out of a homeowner-facing-foreclosure lawsuit, involves Bank of America and its wholly-owned subsidiary ReconTrust, a default management company.

Per the publication, the Utah Department of Commerce has no record of ReconTrust being registered as a business entity in Utah, and three corporate registration records for Bank of America companies are all listed as expired.

The judge issued a preliminary injunction on May 22 baring the companies from carrying out Trustee Sales until a determination is made as to whether they’re registered with the Utah Division of Corporations.

Of course, Bank of America has argued that it’s governed by federal laws and regulations, and not subject to state statutes, but they’ll need to prove that.

ReconTrust currently lists just under 1,000 foreclosures that it is pursuing in the state of Utah – roughly 22,000 homeowners have fallen behind on mortgage payments since mid-2008.

Mortgage Electronic Registration Systems (MERS), a mortgage data collection company based out of Reston, Virginia, which is listed as the foreclosing party on thousands of delinquent loans in Utah (on behalf of BofA and others), is also named as a defendant in the case.

If the order becomes permanent, Bank of America will be required to register in the state and open offices where distressed homeowners can negotiate with the mortgage lender face-to-face.

Bank of America is the largest loan servicer in the United States thanks to its acquisition of Countrywide back in 2008.

Source: thetruthaboutmortgage.com

Apache is functioning normally

Apache is functioning normally

Let’s talk about home prices again because there have been numerous reports of eroding affordability and fears that we might be topping out just five short years after hitting rock bottom.

For example, the National Association of Realtors recently noted that the median existing-home price in February was up 7.7% to $228,400 from a year earlier (February 2016: $212,100), the fastest pace since last January (8.1%).

It also marked the 60th consecutive month of year-over-year gains, which if you’re doing the math, is five full years of gains.

A month ago, NAR chief economist Lawrence Yun referred to the rapid price appreciation as “concerning” because it was doubling the pace of income growth.

Meanwhile, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index (I feel like this title needs to be longer) chalked a 5.9% annual gain in January, up from 5.7% a month earlier.

The index also hit a 31-month annual return high, which forced Managing Director and Chairman of the Index Committee David M. Blitzer to address affordability concerns.

He argued that while higher home prices and mortgage rates may dent affordability and reduce the number of households able to purchase homes, the lack of inventory and strength of the economy means we likely won’t see a change in direction just yet.

Blitzer did admit “at some point” market forces would drive prices down, but said, “we don’t appear to be there yet.”

Supply and Demand Imbalance

  • While home prices feel really high
  • The supply/demand imbalance means they won’t come down
  • Until prospective buyers can no longer afford them
  • But it’s unclear when that will actually materialize

I think everyone feels the same way, that prices are too darn high, it’s just that no one knows when prices will fall, or by how much. And what the catalyst might be, other than affordability or a lack of willing buyers.

Everyone is referring to the current situation as an inventory crisis, with many potential move-up buyers trapped thanks to limited equity and/or a low mortgage rate they don’t want to let go.

That further limits the supply of starter homes, keeping renters out of the market as they watch home prices creep higher and higher.

In fact, Trulia reported that national housing inventory hit its lowest level on record during the first three months of 2017. I believe their data only goes back to 2012 though.

Still, the recent numbers are troubling – starter and trade-up home inventory fell 8.7% and 7.9%, respectively, year-over-year. And there wasn’t much a year ago either…

Basically, this means the entire housing market ecosystem is out of whack, with no sign of relief anytime soon.

Are Home Prices Really Expensive?

  • Home prices may not be as high as they look
  • When you factor in inflation, interest rates, wage growth, etc.
  • We see that real home prices remain 33.3% below the peak seen in 2006
  • Of course prices at that time were unsustainable so it shouldn’t necessarily be a benchmark

To add insult to injury, home prices might not even be that high, assuming you look at “real home prices,” those adjusted for inflation, wage growth, interest rates, etc.

The First American Real House Price Index (RHPI) measures single-family home prices after accounting for changes in incomes and interest rates.

They use median household income and mortgage rates to determine how much a particular consumer can afford. This allows them to measure house-buying power and in turn affordability.

What we wind up with is a very difficult picture than what you might see with other home price charts.

For example, real house prices are still 33.3% below their peak seen in July 2006, not that we should measure a healthy market based on that turbulent time. Still, it’s quite a margin.

Additionally, real home prices are 10.3% lower than they were in the year 2000.

Now can that all change in a hurry? Sure, and it is. In just the past year, real house prices surged by 8.2%.

If both mortgage rates and home prices continue to rise, we’ll hit another breaking point soon enough, assuming wage growth can’t keep up.

First American chief economist Mark Fleming noted that despite this, “affordability in most markets is still high by historical standards.”

As such, he expects another strong spring home buying season. Or at least lots of interest, despite a lack of inventory.

Source: thetruthaboutmortgage.com

Apache is functioning normally

Apache is functioning normally

If you’re tight for space like we are, this Idea to Steal is for you! Throw out all of your preconceived notions about “putting things away” earmuffs, Mom! and take a moment to consider some simple ways to integrate clothing and accessories into your decor! Mind blown? Ours too.

This isn’t just about keeping clothing and accessories in plain sight although we love the look of that too!— it’s about using them as considered design elements to add interest to a space. Consistency and subtly are key here. It’s important to stick to a few signature pieces or one hanging garment for a simple, scandi-inspired look. The coehisve color palette and studied display also make this look feel intentional. A bonus? You no longer have to choose between fashion and decor! And that friends, is truly a win-win.

Do you have a favorite super-cool textured sweater tucked away in your closet, so pretty it deserves to be displayed? Maybe a sick bomber jacket?

Or a really bold necklace? What are some other fashion items you’d choose as decor?

Don’t miss the Idea to Steal archives HERE!!

image via A Merry Mishap

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Source: apartment34.com

Apache is functioning normally

Apache is functioning normally

The rest of the country is catching on to what Montanans have always known — it’s a beautiful and affordable place to live, and not as wild as it seems on the show, “Yellowstone.”

Montana is known as The Treasure State for its literal on-site treasures, like silver, gold, sapphire and so on. But it’s a hidden gem for many more reasons than that. First, it’s home to some of the most stunning and unspoiled landscapes in the country. For the more practical renter, however, much of the state falls well below the national average in cost of living.

Affordable beauty? Yes, please! Here are some of the best places to live in Montana, and they’re about as wide and varied for a state that sports so much land.

  • Population: 54,539
  • 1-BR median rent: $2,257
  • 2-BR median rent: $2,532
  • Median home price: $693,000
  • Median household income: $67,354

Life in the southern Montana city of Bozeman splits the difference between big-city and rural living. As the fourth-largest city in the state, apartments in Bozeman can be found at a range of price points and styles.

Termed the “most livable place” in Montana, Bozeman has plenty to offer people of diverse interests. Obviously, its proximity to the legendary Yellowstone National Park begets its people access to all kinds of outdoor activities. That said, Bozeman has also cultivated impressive nightlife opportunities for a city its size, not to mention a booming cultural scene complete with art galleries, museums and a symphony.

Bozeman boasts a great selection of housing options, especially when it comes to luxury rentals like Icon Apartment Homes at Ferguson Farm, 19th and Graf and Madison Park, all of which feature up-to-date rentals with plenty of upgrades.

  • Population: 117,445
  • 1-BR median rent: $1,341
  • 2-BR median rent: $1,513
  • Median home price: $360,000
  • Median household income: $63,608

Billings is far and away the most populated city in Montana by tens of thousands of people. Living in Billings is obviously more affordable than in Bozeman, a welcome revelation for the renter looking for a good value. Also found on the southern end of the state, Billings keeps its local population entertained via a spate of events, such as the Yellowstone International Air Shot, MontanaFair and the Magic City Blues Festival, among others. There are also plenty of spas and such to help a local relax following a tough day hiking the trails or climbing rock faces.

There are plenty of apartment options in Billings, from a furnished studio at Billings-West End to one of the more spacious options at Interurban Apartment Homes or Farmstead Apartments.

  • Population: 34,786
  • 1-BR median rent: $900
  • 2-BR median rent: $950
  • Median home price: $250,000
  • Median household income: $50,661

Life in Butte is a picturesque one, as the smaller city is found right between Glacier National Park and Yellowstone National Park. It features some of the best fishing and boating opportunities in the world, not to mention more than a dozen scenic trailheads for hiking, jogging and biking.

Butte’s restaurant scene is larger and more diverse than one would expect from a city its size, including a variety of chain spots mixed in with locally owned and operated eateries. The film industry is also alive and well in Butte as more and more television shows and movies are choosing to set up shop there.

Butte’s apartment scene is a bit more limited than some of the larger Montana cities, but there are still plenty of places to lay your head. This three-bedroom unit has clearly been renovated recently, and this spacious two-bedroom apartment rents for far less per month than the same type of unit would in another city.

  • Population: 33,120
  • 1-BR median rent: $999
  • 2-BR median rent: $1,175
  • Median home price: $430,000
  • Median household income: $59,712

The capital city of Montana is small but mighty. It’s similar in both population and price point to Butte, making it ideal for people who want some neighbors, but not too many.

It’s one of the historic centerpieces of the state and has a lot of attractions to prove it. The lovingly maintained downtown area has a colorful history, best told by any of the walking tour experts available for hire. Then there’s the stunning Mansion District, which is an experience all on its own. Just north of the city are the significant “Gates of the Mountains,” a stop on Lewis and Clark’s historic exploration route, which can be viewed via boat tour. That’s all in addition to the locally owned shopping, dining and other establishments that have become the norm for quaint towns like this one.

Apartments in Helena are available at all price points, including the ideally located Element 79 Apartments, which is close to so many coffee shops and restaurants. Or, there are plenty of units within larger houses to look at. Inventory is lower given the size of the city, but the patient renter can find something to suit and prove the wait worthwhile.

  • Population: 60,403
  • 1-BR median rent: $1,290
  • 2-BR median rent: $1,595
  • Median home price: $255,000
  • Median household income: $53,126

Living in Great Falls doesn’t require as much in the bank compared with some other Montana cities, as the median home price is lower to match a slightly lower median income. So named for the stunning waterfalls, courtesy of the Missouri River, the area is home to the state’s largest urban Native American population and is also the site of the Little Shell Chippewa tribe’s headquarters.

Indeed, Great Falls, like many other areas of the country, has a sad history related to Native Americans, but today’s citizens do their best to preserve the complicated history and encourage the traditions to continue. Locals appreciate the four distinct seasons that the area enjoys, with cold winters but delightfully mild summertime temps. It’s easy to stay busy year-round with tons of scenic drives, trailheads, outdoor activities and festivals to choose from.

Much like other cities in Montana, there aren’t a ton of huge apartment communities to choose from. One good traditional option is Talus Apartments, which has multiple floor plans and a lot of the standard amenities that renters have come to expect. Or, there are furnished units available at Sunnyside Apartments.

  • Population: 74,822
  • 1-BR median rent: $1,295
  • 2-BR median rent: $1,595
  • Median home price: $542,000
  • Median household income: $54,423

Just east of the Idaho border on Montana’s western edge is Missoula, a mid-sized city with big aspirations. Buying a home in Missoula is a pricier prospect than it is in a lot of other parts of the state, with a median home price of $542,000.

It’s not as pricey as Bozeman, but it’s nipping at its heels. Fortunately, there are lots of other reasons people choose to live in Missoula. First, it’s still pretty affordable to rent an apartment in Missoula. It’s also a generally fun and whimsical place to hang out. Shoppers and fans of local goods love to bundle up and hit Missoula’s Winter Market, held at the Fairgrounds. Then there are plenty of hot springs to soak in, gold and gems to mine and even ghost towns to tour.

812 Toole Ave sometimes has chic units available for rent, and 712 Spruce St also has apartment options at a range of price points. Once again, availability is a bit limited as Missoula is far from what people would refer to as the “big city.”

  • Population: 26,110
  • 1-BR median rent: $1,250
  • 2-BR median rent: $1,650
  • Median home price: $499,000
  • Median household income: $55,411

Unlike many other cities on our list, the city of Kalispell is located in the northwestern corner of the state. Only 32 miles from Glacier National Park, this mountain town is also home to the western U.S.’s largest natural freshwater lake, Lake Flathead. Obviously, between the two there is an abundance of outdoor activities to enjoy in Kalispell and its stunning surrounding areas.

Locals and visitors also love to stroll the quaint area of downtown Kalispell for food, shopping and general ambiance. The area is also ultra-friendly to dogs and families, thanks to an abundance of parks and recreation opportunities.

For a city its size, Kalispell actually has a nice range of apartment homes to consider. The Meridian Apartments is a pet-friendly, smoke-free establishment that features beautiful in-unit flooring. Or there’s Stillwater Crossing, which offers covered carports, video monitoring and lots of design upgrades.

  • Population: 8,492
  • 1-BR median rent: $1,400
  • 2-BR median rent: $1,850
  • Median home price: $913,000
  • Median household income: $64,595

The housing market is booming in the city of Whitefish, which has a median home price of $913,000, up more than 30 percent since last year. Situated around Whitefish Lake, this city is a popular ski destination but sees tourism year-round thanks to its proximity to Glacier National Park.

For all of the athletic endeavors that can be enjoyed here, there’s also an exceptional arts and culture scene. The Whitefish Theatre Company puts on shows regularly ranging from plays to musicals. Boating enthusiasts in particular flock to the area’s Whitefish Woody Weekend, specifically put on to showcase classic boats. So although Whitefish boasts some of the best skiing in the world, it also has a lot of other things going for it.

Fortunately, apartment rents in Whitefish haven’t inflated the same way as local real estate has. The new construction units at Whitefish Apartment Homes are pristine and ideally located. Or there are a number of individual units available for rent, like this one on Cottonwood Ct.

  • Population: 9,491
  • 1-BR median rent: n/a
  • 2-BR median rent: $806
  • Median home price: n/a
  • Median household income: $44,809

Only slightly larger than Whitefish is the southwestern Montana city of Anaconda. Known for its iconic smokestack, the city of Anaconda is one of Montana’s best-kept secrets. Originally, Anaconda grew as a result of copper mining in nearby Butte, as Anaconda became the site of critical copper smelting jobs.

Like most of the rest of the state, Anaconda is firmly ensconced in some serious natural beauty. It’s found in the Deer Lodge National Forest, so there’s obviously plenty of outdoor fun to be had. A bit of modern sport is also available at the Old Works Golf Course, however.

Anaconda’s a pretty small city by most people’s standards, so rental options are somewhat limited. There are single units available if you know where to look, such as this one on 4th Street and this one on Locust Street.

Find an apartment for rent in Montana

Montana is thoroughly its own state, thanks to its unique beauty and culture. Anyone who’s interested in adopting a quieter, but still exciting way of life should consider looking at apartments for rent in Montana.

Methodology

The rent information included in this summary is based on a median calculation of multifamily rental property inventory on Apartment Guide and Rent.com as of April 2023.

Median home prices are from Redfin as of April 2023. Population and median household income are from the U.S. Census Bureau.

The information in this article is for illustrative purposes only. This data herein does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

Apache is functioning normally

Mortgage rates are holding steady so far this week. It’s no surprise, really, as there’s been very little meaningful economic data out these past two days.

Tomorrow, though, we get a few notable releases so there’s definitely the chance that we’ll get a market reaction.

Long-term rates are still expected to rise, which is why we’re recommending that borrowers lock in a rate soon. Read on for more details.

[embedded content]

Market Outlook 5.21.18 from Total Mortgage on Vimeo.

Where are mortgage rates going?           

Rates still holding steady

There’s not much economic data out, keeping market movement fairly muted today. The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, is flat on the day at 3.06%.

That’s very close to the seven year high that it briefly hit on Thursday. Depending on who you talk to, there’s plenty of room left to run for the 10-year yield.

With the Federal Reserve getting ready to raise the nation’s benchmark interest rate, the federal funds rate, at least two more times in 2018, some analysts are saying the 10-year yield could easily hit 4.00%.

With mortgage rates closely tied to the bond market, that would put significant upward pressure on rates.

This isn’t anything new to anyone who’s been paying attention to the market this year; back in January we had many projections for the 30-year fixed rate to go as high as 5.00% by the time 2019 rolls around.

In the Freddie Mac Primary Mortgage Market Survey last week we saw the average rate on a 30-year fixed rate move up to 4.61%. That’s up sixty-six basis points from the start of the year.

We’ve still got another thirty-nine basis points to climb before 5.00%, but that could easily be covered over the next seven months.

Rate/Float Recommendation    

Lock before rates move even higher  

With mortgage rates on track to climb higher and high over the coming weeks and months, we believe that it makes sense to lock in a rate on a purchase or refinance sooner rather than later.

Learn what you can do to get the best interest rate possible.  

Today’s economic data:   

Richmond Fed Manufacturing Index  

The Richmond Fed Index hit a 16 in May. That’s a strong reading that is right on the brink of escaping the high end projection.

Notable events this week:     

Monday:  

  • Chicago Fed National Activity Index
  • Fedspeak

Tuesday:   

  • Richmond Fed Manufacturing Index

Wednesday:        

  • PMI Composite Flash
  • New Home Sales
  • EIA Petroleum Status Report
  • FOMC Minutes
  • Fedspeak

Thursday:     

  • Jobless Claims
  • FHFA House Price Index
  • Existing Home Sales
  • Kansas City Fed Manufacturing Index
  • Fedspeak

Friday:          

  • Durable Goods Orders
  • Consumer Sentiment
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Carter Wessman

Carter Wessman is originally from the charming town of Norfolk, Massachusetts. When he isn’t busy writing about mortgage related topics, you can find him playing table tennis, or jamming on his bass guitar.

Source: totalmortgage.com

Apache is functioning normally

Apache is functioning normally

As much as we love good design, we swoon over a good love story. So you can imagine why we’re obsessed when great design has the cutest romance attached to it. That’s exactly what’s going on with Mr. & Mrs. White, designed by a young couple out of Sydney who came together and discovered that their passion was not only for one another, but also for “simple, honest handmade design and the natural beauty of the material.”

Isn’t this collection to die for? The clean lines of the furniture – made with gorgeous american oak – juxtaposed with the softness of the killer Icelandic hides, the leather pillows want! and supple linen textiles create the balance we so crave in our home. Too often decor leans either heavily masculine or overly feminine is anyone else sick of acryllic everything???. But if you’re looking to find a sweet spot – we’d argue this is it. A little him paired with a little her is so right!

Ok, now we’re in love with you too Mr & Mrs. White.

images via Mr. & Mrs. White

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Source: apartment34.com