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?
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.
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.
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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
Fedspeak
*Terms and conditions apply.
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.
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.
America was largely settled by immigrants: These cities lean into that fact.
Moving to a new place can be pretty scary for anyone, but it’s especially intimidating if you aren’t welcomed with open arms. This happens all too often, despite the fact that immigrants and migrants from other states are vital components of any area’s economic and social well-being.
In fact, they actually make up a significant portion of the workforce, and cities with higher immigrant populations tend to experience greater economic growth than other areas. Immigrants also help to offset population decline, which heads off economic disasters. Plus, they readily invest in their new area by opening businesses and thus creating jobs. In short, immigrants tend to show up and take care of business.
These types of cities are the most welcoming to immigrants
The Bush Institute-SMU Economic Growth Initiative recently ranked cities based on how welcoming they are to newcomers. The outfit says that certain cities, like those that are “knowledge-centric,” are the best options. This includes cities renowned for their technology or finance industries — and college towns where education and forward-thinking are paramount.
Many such cities offer a lot of opportunities compared to where a person comes from, thanks to their economic and professional profile. So a city with a higher opportunity score is likely to provide the chance at a higher quality of life than some others. Now, let’s dissect this data, figure out what comprises a higher life quality and reveal these cities in all of their hospitable glory.
The first entry in the top 10 most welcoming cities in the U.S. is State College, Pennsylvania, the appropriately named home to Penn State University. From the period 2010-2021, the city saw an ever-so-slight decline in domestic migration’s contribution to population growth in the area (minus 3 percent), but experienced an uptick of 6 percent related to immigration.
With an overall population of just over 157,000, State College is one of the smallest on our list, but the numbers are hardly what you would call irrelevant. In fact, the opportunity score in State College is one of the highest on our list, at 117 percent, meaning that newcomers average greater quality of life/opportunity by 17 percent compared with their parents. Some of the influx of immigrants to this area is due to the fact that more than 11,000 students from various countries head to Penn State for its varied educational opportunities.
9. Orlando-Kissimmee-Sanford, Florida
Both domestic migration and immigration contributed to the population in the Orlando-Kissimmee-Sanford, Florida metro area, at basically the same rate of 9 percent! With a total population of nearly 2.7 million, this area is the third-largest on our list, which translates to big numbers, in terms of newcomers to the area. The opportunity score is slightly lower than that of State College, at 92 percent, however, it’s mitigated by the area’s reputation for being friendly to newcomers!
The draw is likely due to a preponderance of jobs thanks in part to the state’s booming tourism industry, but also the fact that central Florida already has a lot of immigrants makes it appealing to newbies. This section of Florida is a well-oiled machine for welcoming newcomers, and it translates into more and more each year.
Not so far away from the OG immigrant spot, Plymouth Rock is the metro area of Boston/Cambridge/Newton, which spans parts of Massachusetts and New Hampshire. Immigration to the area went up by 7 percent, although domestic migration took a dip of minus 4 percent.
The metro’s population totals 4.9 million, making even tiny immigration upticks extremely significant. These days, most immigrants to the area come from China, the Dominican Republic and Haiti, the City of Boston says, and are likely lured there by its opportunity score of 117 percent. They most often matriculate into jobs that are blue-collar (construction, production, repair, natural resources) or within the service industry. As these are all very important to growth, the immigrant population is filling a lot of important roles.
7. Naples-Marco Island, FL
Moving back to sunny Florida, the metro of Naples-Marco Island, Florida is considered another particularly hospitable area to newcomers. Found near the southern end of the state outside of Miami, many of these newbies are important to the local agriculture scene and are drawn to the area by such jobs. They’re also critical to recovery from all-too-frequent hurricanes that hit the area, which necessitate skilled hands at construction and other trade jobs.
Domestic migration actually contributed more to population growth here than anywhere else on our list (up 18 percent!) and immigration was also higher by 7 percent. The opportunity score hovers at 101 percent.
6. Fargo, North Dakota/Minnesota
The next metro area on our list could not be any more different from Naples if it tried, weather-wise. The far northern area of Fargo, North Dakota/Minnesota is especially dependent on immigrants to fill important positions within both the manufacturing and production industries, although many also work in sales and healthcare positions.
Many relocate to the chilly, but friendly area from the Philippines, in particular. Domestic migrants to the area were up by 7 percent, while immigrants were also higher by 4 percent. The opportunity score of 133 percent is one of the best on our list, meaning that someone who moves to this area can experience 33 percent worth of improvement in opportunity compared with where they came from.
5. Miami-Fort Lauderdale-Pompano Beach, Florida
Although domestic migration to the Miami/Fort Lauderdale/Pompano Beach area of Florida has declined by five percent in recent years, immigration is up quite a bit at 12 percent the highest uptick on our list). With nearly 6.1 million residents in this metro area, that translates to quite a few newcomers.
Miami has indeed turned into a hotbed of opportunity for Latines, in particular, as they frequently hold STEM positions and 73 percent of local businesses are owned by immigrants. They are also attending local colleges and universities and contribute tremendously to the local economy as consumers.
4. San Jose-Sunnyvale-Santa Clara, CA
The lone West Coast metro on our list, the area of San Jose-Sunnyvale-Santa Clara, California has experienced a decline in domestic migration of minus 11 percent, but an increase in immigration of eight percent. Asian-born immigrants make up a significant portion of this population, although it certainly sees plenty of Latine newcomers, as well.
Many flock to the area for the tech opportunities it is known for, as well as the excellent school systems for their children. However, the ever-rising cost of living in California is making it difficult for many to stay in the area. That said, the opportunity is so rich in the area that the typical person enjoys 23 percent greater opportunity (score of 123 overall).
Moving back over to the Midwest, Iowa City, Iowa is considered the third most welcoming city in America. Perhaps this is because the area has a reputation for welcoming immigrants historically. Whatever the reason, the city/state regularly takes in people fleeing natural disasters or devastating conflicts in their home countries, including those from Ethiopia and Bosnia. There’s also a strong contingent of Hispanics who come to the area looking for professional opportunities.
Both domestic migration (1 percent) and immigration to the area (7 percent) have increased in recent years, continuing this region’s longstanding reputation as one that welcomes others with open arms. Much like San Jose, the opportunity score in this area is 123 percent.
The central Minnesota city of St. Cloud is runner-up as the most welcoming city in America. Immigration to the metro is up by 4 percent, however, domestic migration declined in the same time period by three percent. St. Cloud boasts the highest opportunity score on our list at 145 percent, meaning that people can earn and live at a better quality by nearly 50 percent compared the previous generation.
Immigrants to the area tend to come from East African countries like Somalia, however, people from Kenya, Vietnam, Mexico and Korea also make up significant portions of the newcomer population. They contribute to the local economy by filling major gaps in the employment force, but also by paying taxes and contributing to Social Security.
1. Ames, Iowa
The smallest city on our list is also the most welcoming of them all. Slightly north of Des Moines is the unassuming metro of Ames, Iowa, with a population of just over 126,000 people.
Domestic migration is down slightly there, however, immigration is on the rise at 7 percent. This Iowa city is known as a safe haven for people seeking asylum from the dangers of their homeland. Many newcomers hail from Ukraine, Honduras and the particularly war-torn parts of Africa.
The community is very much a part of this effort, as volunteers with the Ames Interfaith Refugee Alliance advocate for refugees and help them acclimate to the area upon arrival. They also aim (pun intended) to educate people about immigration and the positive impact they can have on a given area. It also doesn’t hurt that the cost of living in Iowa is way below the national average and that the opportunity score is an impressive 132 percent.
A little bit of hospitality goes a long way
Obviously, there are still many kinks to work out related to the often difficult immigration process. That said, it’s good to know that some cities are doing their best to make it a positive experience for everyone hoping to breathe free in a new land.
American Financial Network Inc. bills itself as one of the fastest growing mortgage bankers in the United States, and is indeed ranked in the top 50 nationally.
But they’re not satisfied with that, and believe they have what it takes to land in the top-10 one day. Of course, the competition is pretty fierce at the very top of the pile.
Aside from being a high-growth company, they are also a highly-rated one, finding themselves among the top three lenders on LendingTree based on customer reviews.
That’s pretty impressive given the fact that there are more than 800 mortgage lenders listed there.
Let’s dig into the details to learn more about this SoCal mortgage lender.
American Financial Network Quick Facts
Retail direct-to-consumer mortgage banker founded in 2001
Headquartered in Brea, CA – licensed in all 50 states and D.C
Offers home purchase loans and refinance loans
A top-50 mortgage lender nationally by loan volume
Funded more than $7 billion in home loans last year
185+ physical locations and 700+ loan officers nationwide
One of the top-rated mortgage lenders on LendingTree based on customer reviews
American Financial Network Inc. was founded in Chino Hills, California by mortgage industry veteran Jack Sherman back in 2001.
The company later relocated to nearby Brea, CA before growing rapidly and hitting its first billion-dollar funding year in 2012.
Today, it’s one of the nation’s largest mortgage lenders (top-50), having funded over $7 billion last year alone.
In 2019, they signed on New York and Vermont to achieve their goal of nationwide licensing, and recently celebrated their eighth billion-dollar origination month in a row.
That means they’re on track to fund more than $10 billion in mortgages this year, which should make 2020 a record year for loan volume.
While they have the ability to lend anywhere, including Alaska and Hawaii, the company is most active in the states of Arizona, California, Florida, Texas, and Virginia.
Nearly half of last year’s volume was made up of home purchases, with the remainder split about evenly between cash out refis and rate and term refis.
One other fun fact about the company – apparently 37 different languages are cumulatively spoken, a testament to their diversity.
How to Apply with American Financial Network
You can apply directly from their website without human assistance
They use a digital mortgage loan process known as SNAP
Allows you to scan/upload paperwork, eSign documents, and order a credit report on your own
Can check loan status 24/7 and contact your loan officer via text/phone at any time
AFN is a Fannie Mae Seller/Servicer, Ginnie Mae and Freddie Mac Issuer, and USDA & VA LAPP approved, meaning they can get things done quickly in-house.
Additionally, they provide fully underwritten mortgage pre-approvals, so you can be confident to move forward as a prospective home buyer.
If you’d like to apply for a home loan, you can do so directly from their website or via their free smartphone app.
I believe they offer a digital mortgage application powered by Ellie Mae that lets you complete most tasks electronically. It’s known as SNAP.
Once your loan is approved, you’ll get a to-do list with the ability to scan and upload conditions, eSign documents, and track loan progress 24/7.
Loan Types Offered by American Financial Network
Home purchase loans
Refinance loans (rate and term, cash out, streamline)
Home renovation loans
Conventional loans backed by Fannie Mac and Freddie Mac
Jumbo home loans up to $2 million loan amounts
Government-backed home loans: FHA, USDA, and VA
Down payment assistance programs
Fixed-rate and adjustable-rate home loan options available
American Financial Network is a mortgage banker, meaning they have correspondent relationships with lots of investors to ensure they’ve got every loan product a borrower could need in-house.
This basically allows them to resell loan products from other companies, providing a wider breadth of offerings than other lenders.
Additionally, their loan officers may have the ability to broker out loans if you have a unique loan scenario that can’t be placed in-house.
They offer tons of loan options, including home purchase loans, refinance loans, and home renovation loans. It’s unclear if they have construction loans.
You can finance a primary residence, second home, or investment property, including condos and townhomes.
With regard to loan type, you can get a conventional home loan backed by Fannie Mac or Freddie Mac, a government loan backed by the FHA/USDA/VA, or a jumbo home loan that exceeds the conforming loan limit.
They also have a variety of down payment assistance programs for those who may need a little helping hand asset-wise.
Aside from all the usual stuff, they say they’ve got bank statement programs for self-employed borrowers and real estate investors, and other specialty products to accommodate other needs.
American Financial Network Mortgage Rates
Like many others, American Financial Network doesn’t publicize their mortgage rates on their website.
This says nothing about their rates in general, but it does leave us in the dark unfortunately.
I give lenders transparency points for listing their rates on a daily basis, but I also understand the shortcomings of advertised rates, which often only fit one ideal loan scenario.
That being said, you can get a quick, free mortgage rate quote by filling out a short form on their website or by simply calling them directly.
The form is very short, though you will need to provide contact information.
AFN also doesn’t list its lender fees anywhere, so we don’t know if they charge a loan origination fee and/or other common fees like underwriting, processing, or application fees.
Be sure to speak with a loan officer to get a mortgage rate quote along with the applicable lender fees and mortgage APR so you can shop your rate with other lenders.
American Financial Network Reviews
They are a top-rated mortgage lender on LendingTree (top 3 at last glance) with a 4.9-star rating out of 5 based on nearly 23,000 customer reviews.
The company also boasts a 99% recommendation rate on LendingTree, which is clearly hard to beat.
The only two lenders that are rated above them on the LT network are New American Funding and Fairway Independent Mortgage.
On SocialSurvey, AFN has a 4.82-star rating out of 5 on a whopping 51,000 customer reviews. That’s pretty impressive given the high volume of customer feedback.
On Zillow, they’ve got a 4.94 rating out of 5 based on more than 2,100 reviews.
Lastly, they’ve got a ‘B+’ rating with the Better Business Bureau, and have been an accredited company since 2019.
In summary, American Financial Network checks all the major boxes and seems to really excel in customer satisfaction, a big plus for those seeking a mortgage.
American Financial Network Pros and Cons
The Good
Can apply for a mortgage directly from their website without speaking to anyone
Lots of different loan programs to choose from
Thousands of excellent customer reviews
Top ranked company on LendingTree
Loan officers and support staff may also speak Spanish
Brick-and-mortar locations if you prefer to work in-person
Free smartphone app to manage your loan
Mortgage calculators and mortgage glossary on their website
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The ripple effect of a financial mindset can be seen in every aspect of your life.
Think about it: If you are not mindful of how you spend and save money, then you will be in a constant struggle each and every month.
If you are simply someone who is struggling to make ends meet, there are many things we can do to save money. If you are trying desperately to reach financial freedom sooner, then you need these best money hacks to make it happen sooner.
Around here at Money Bliss, we spend a lot of time on our money mindset and setting goals.
Everyone is in a different season with their finances.
But, one thing is true… Most of us never learned proper money management.
Do you find yourself in a constant cycle of financial struggle? Do you feel like you are constantly trying to live up to unrealistic standards?
It is easy for people to feel that they are constantly broke, and in some cases this is true. But, it is also important to remember that there are ways in which you can make more money and start saving for your future.
Since changing money habits does not always come easy and often requires some serious changes in our mindset, we are here to support you to find the top money hacks.
Read on as we share 50+ ways you can start saving more money as well as making more money while also saving your sanity!
What are Money Hacks?
Money hacks are the ways in which people stretch their money.
These money hacks can come from a variety of sources, such as personal experience, family members or friends, and other individuals on social media.
Money hacks can come in many forms such as:
Simple money saving hacks
Ways to make money on the side
Strategies to make every dollar count
Thrifty ideas to be more frugal
Ideas to be more conscious of our waste
All in all, money hacks will help you to spend less money. Thus, saving more money.
As you will learn at Money Bliss, saving money opens up doors of opportunities
Best Money Hacks
Money hacks are ways to build long-term wealth.
Even though most of the hacks for money include quick saving wins, over the long term, you will actually start a snowball effect of more money in your bank account.
Sometimes, it can be difficult to find the motivation to save money, but these 7 best real money hacks will help you reset your financial mindset and start saving!
The best money hacks are the overarching big picture concepts that you must master for long-term success.
1. Think Big
Open up your mind.
One way to reset your financial mindset is by opening yourself up to new ways of thinking about spending and saving.
Too often, we are focused on what is directly in front of us instead of thinking about the big picture.
A great way to think big with your finances is to decide how you want to live life with intention.
2. Habit of Saving Money
Get back in the habit of saving.
If you have been beyond your means or barely scraping by, the best way to get back on track is by saving at least 20% of your income.
This may seem a little ludicrous. However, by prioritizing saving first, you will be pleasantly surprised how well you live off the rest.
In this post, there will be so many simple and easy ways to start saving today.
3. Make a Plan for Your Money
Create a spending plan (aka that dreaded word budget).
Creating an outline for what you want and need will help you to make smarter decisions about your spending.
This concept has been made too difficult over the years.
The bottom line is you want to spend less than you make. So, make a plan for that to happen today.
4. Make Money on the Side
This one is huge!
Personally, making extra money has been a priority for the last 5 years. We spent many years trying to cut our expenses and hating our inability to actually spend less as a growing family. So, we changed our focus to finding ways to make more money instead.
Start a side hustle. If you are not making enough to live comfortably, start a side hustle! Use your unique skill set to make extra cash.
Pick up a second job or ask for more hours.
There are plenty of ways to make money fast.
5. Invest in Stock Market
This means a way to make money or increase your net worth. AKA make your money work for you.
Too many times, the concept of investing is big and scary. The thought of starting is way too overwhelming. So you put it off until next week or next month. Then, a couple of years go by and you have not invested your money.
That is the biggest financial mistake you can make.
Start small by investing in an index fund. Each month consistently add more money.
If you want to learn to trade stocks, then you must enroll in the best investing course I have found.
Read my in-depth investing course review.
6. Pay Off Debt
Ugh… debt is the cash flow killer.
You are unable to make forward progress if you are straddled by debt.
Figure out how to pay off debt ASAP.
When calculating how long it will take to pay off high-interest debt, you should consider paying the highest interest rate first. Here is the best debt payoff app available.
7. Watch Your Spending
Be mindful of your spending.
This is a great practice that many people need to start doing again, regardless of how much money or how little money they have.
Every few months, you need to evaluate your spending to see if it matches up with your values.
As you can imagine there are many money hacks that can help you save, but the list above is the money hacks that will make the biggest difference the quickest. Below we have many more money hacks for you to explore.
Hacks for Saving Money
Money app hacks are small, quick, and easy ways to improve your finances.
They can range from things like automating your budget or creating a money jar that pays for itself, to more complex solutions like changing your tax withholding or moving money around to get a higher return.
Honestly, there are so many life hacks for saving money.
8. Automatic Savings
This is a practice of automatically transferring money from your checking account into your savings account on a regular basis.
It is best to set a transfer amount and stick to it.
Since it is easier to save your money before you spend it, you must save as much money as possible in order for this strategy to be effective.
9. Financial goals
A financial goal is a long-term, quantifiable expectation for how much money you want to have, or what you plan on doing with your money. Your goals can be as simple as saving for the down payment on a house or as involved as saving for retirement.
Our financial goals allow us to set specific, numerical targets that help us achieve our desired lifestyle in a more concrete way.
You must set smart financial goals.
10. What brings you joy?
At the end of the day, it is important to remember that life is all about finding what brings you joy.
The question is open-ended, but your money must line up with what brings you joy.
Spend a few minutes and stew on the question.
11. Build an emergency savings fund
Building an emergency savings fund is a great idea if you are in the habit of saving money and want to make sure that you have some money saved up when times get rough.
If you are struggling to save, there are a few ways you can increase your savings.
For example, you might be able to set up automatic transfers from your checking account into an investment account. You should also make sure that you have a way to save money outside of your checking account.
Saving cash in a jar or saving up coins are ideas for some people.
12. Invest spare change
If you go shopping and buy something, most stores will give you change. If you use a debit or credit card, you can do the same thing with help of a popular app!
Simple money hack: investing your spare change.
In order to invest your spare change in an account, you can open one for as little as $5. Acorns then automatically invest the money from your checking account and into a savings acorn account.
As the round-up feature continues to add upon each purchase, it is a good idea to invest in this app so that you can save more dollars!
13. Challenge Yourself to Save
If you are looking to save money, it is best to set up a budget that includes challenging yourself.
A great way to do this is with the no spend challenge.
A no-buy is when you decide to simply not make any purchases for a certain amount of time.
A no-spend is when someone decides to not spend any money in a certain period of time.
When you are struggling with spending too much money and want to reset your wallet, then give up spending money. Period.
14. Join a buy nothing group
The buy nothing groups are a growing movement that started in order to help people cut their ecological footprint, save money, and break free of consumerism.
This is a great way to find things you need as well as declutter your house.
15. Negotiate everything
The key to successful negotiation is preparation.
Research the company’s past sales, price changes, and discounts offered in order to get a better understanding of what you’re negotiating for.
Don’t be afraid to negotiate.
What is the worst thing that can happen when someone says no!?!
16. Refinance Your Mortgage
It is never too late to refinance your mortgage.
In fact, it might be a good idea if you’re in the market for a new home or refinancing your loan on an existing property.
You must weigh the costs of refinancing to how much you will save over the time period of the loan.
Ask around for mortgage broker recommendations and get at least two quotes.
17. Downsize your Home
Downsize your home is the term for reducing a residence in size. This can be done by either moving to an apartment or buying a smaller house. There are many benefits of downsizing, including living a more affordable lifestyle and having less upkeep.
Downsizers use their homes as investments and save money on rent or mortgage payments.
18. Cut the cord
With the internet becoming accessible to everyone, people have started cutting their cable and watching shows online. People can save up to $500 a year by cutting cable from their bills.
Cut the cable & stop watching TV!
19. Learn about Finances
Ask for help.
If you are struggling, there is no shame in asking for assistance from your friends or family members.
The goal is to get ahead with money and not keep digging further into a hole.
Check out any of our courses to help you.
20. Save for What You Want
Decide what you want most and work towards it with the money you have now, instead of waiting for a windfall or a large inheritance.
This may mean setting aside $200 a month.
For example, as a reminder of your long-term goal of buying a beach property, you may buy something you would hang in the new place. Every time you see it, you will be reminded of what you are saving towards.
Budget Hacks
Financial hacks are not unusual.
Since it is so easy to overspend, you must know a few budgeting hacks ahead of time.
21. Need vs Want
A want is a desire for something, while a need is something that fulfills the requirement of your body like food or shelter.
When you think about buying something, ask yourself if it is a want or a need.
By uncovering needs vs wants, you are quickly able to find ways to spend less and save more.
22. Avoid Temptation
To avoid temptation, it is important to maintain a healthy amount of physical and emotional distance from the things that tempt you.
Sometimes, spending triggers are easy to avoid but other times they’re not.
However, people should always be aware of their temptations and try to stay away from them because it will lead to unnecessary debt or stress in the long run.
23. Practice the 30-day rule
Many people wonder what’s the 30 day rule with money…
The 30-day rule is the principle that states that you should practice a new habit or stop an old habit for at least thirty days before expecting success.
When it comes to your money, it means to wait thirty days before making big purchases or changes.
24. Keep a Budget Binder
A budget binder is an important tool that helps people keep track of their finances.
The binder can help people plan out their finances by providing a place to record expenses and income.
Keeping a budget binder is an effective way to track your spending and keep yourself accountable.
By keeping it, you can easily plan for future expenses in advance as well as see what money could be saved or spent on different items over time.
25. Get a spend tracker and use it regularly
Track your spending for 30 days. It can be a good idea to track your spending for at least a month to get an idea of what you’re spending and where.
A spending tracker is a tool that helps people keep track of how much they are spending on a certain item. It is important to use this tool regularly in order to be able to see patterns in your spending.
Then, review your spending. Share it with a trusted friend or family member to come up with some goals to reduce expenses in order to save money.
26. Create a budget
Create a budget, and follow it.
When you schedule your spending, make sure to leave room for savings. This is the easiest way to ensure that you can stick to your budget.
Find more budgeting resources on our site.
27. Pay Bills on Time
This should be a simple statement that we all know. However, life can throw curveballs.
Try to pay your bills on time and in full every month, and make sure all of your bills are paid each month.
This will show lenders that you are responsible and that you are taking care of your credit. Plus you don’t rack up those pesky late fees and high interest rates.
28. Avoid Missed Payments
Don’t miss any payments, and pay off your balances each month to avoid paying high interest rates or fees on late or missed payments.
Read again… do not miss paying your bills.
29. Reconcile Your Checking Account
Balance your checkbook monthly. Okay, no one really uses a checkbook anymore, but you can still do this with pen and paper.
Even better, use Quicken as a simple way to balance your checking account. Read my Quicken review.
This is a great way to check for being charged too much or find a subscription you don’t use anymore.
30. Avoid Summer Budget Busters
Avoid spending money for the summer by just being conscious of your spending and reviewing what is different than the norm.
It is too easy to get into the trap of spending money because the weather is warm.
31. Review your Credit Card Statements
If you’re like most people, you probably review your credit card statements once every six months.
What’s the best way to go about reviewing them?
It depends on how often you use your credit card, how much debt you have, and what your credit score is. You should review your statements at least once a year if you’re carrying a balance on your credit cards.
If you use your credit card, then you should review your statements at least monthly.
32. Use the Cents Plan Formula
While the 50/30/20 budgeting rule is popular, our method of budgeting your money will be more helpful.
Learn how to divide your income into various categories.
Check out the Cents Plan Formula.
33. Use Cash
Use cash instead of credit cards to spend, which will make it easier to limit yourself to how much you can spend.
The envelope system helps you save money by only spending from one designated cash stash each month and withdrawing a set amount for different types of expenses (like groceries).
34. Spending Freeze
Implement a spending freeze, which helps you get used to not buying things for an allotted time so that when the freeze is over, it’s easier to buy what you want.
You will be surprised how much random online shopping you do.
Begin your spending freeze now.
35. Use a Budgeting App
Use your bank’s budgeting tools, like Quicken, which can help you track how much money is coming in and out of your account.
This is the simplest way to manage your money wisely.
Using a money app or a personal finance website can help you to stay organized and get more creative about your budgeting.
Check out this list of the best budgeting apps available.
Hacks to Make Money
Hacks to make money are a list of ways to generate income for yourself. Many ways to make money include blogging, affiliate marketing, or day trading. These money making hacks are great, but they can take more time and energy invested.
36. Use cash back apps
Cash back reward apps like Ibotta are a way to get extra money for your purchases.
They take some time getting used to and you only have access to partner stores that offer cash-back offers. It only takes a few seconds to make some extra cash.
Check out the best cash back apps available.
37. Ask for a Raise
A raise is an increase in pay for a job, labor, or service.
If you are concerned about asking for a raise, then you are missing out on lost money.
Your boss may be receptive to it, then try negotiating more money. Not only will this be good for your career, but also the relationship between you two can improve as well.
38. Get a side hustle
A side hustle is an additional job or career, usually, one that requires only a small amount of time and effort.
For example, someone who wants to work on the weekends might start a side hustle as a bartender.
Side hustles are a form of entrepreneurship that allows you to earn money and do little tasks. They are not difficult or time-consuming, but they can still help you make extra cash on the side.
Pick one of the best gig economy jobs.
39. Rent out a part of your home
A part of your home is often a room, which can be rented out on Airbnb.
Airbnb is the largest and most successful company in the world that lets people rent their extra space or properties. They are a well-known company that provides an easy way for people to make money from their extra space.
Use Neighbor to lend out your space in your home.
40. Declutter: sell your junk for cash
Decluttering is the act of getting rid of excess or unnecessary items.
In order to declutter, you must be willing to give up something that has been a part of your life for a long time. It is important to remember that decluttering does not have to be a quick or easy process.
Then, sell your stuff on Facebook Marketplace, Nextdoor, eBay, etc.
Learn more at Flea Market Flippers.
41. Earn Money While Watching TV
Although it is not a fast way to get rich, this can be used as a side hustle.
It’s better to use the money earned from watching TV or something else that takes up your time for other things like bills and groceries.
Survey platforms are online sites that allow people to earn money while watching TV.
The survey platform will send surveys through the mail or email, and then they can choose whether they want to take the survey for a set reward amount or if they would like cash back on their purchase.
One of these options is MyPoints, which allows users to earn points by completing tasks such as taking surveys and shopping online at specific retailers.
Others include:
42. Maximize Your Income
Find ways to increase the amount of money you bring in, whether that’s through a side hustle, increasing hours at work, or asking for a raise.
In today’s society, there are plenty of ways to make more money.
Only you put a limit on what you are capable of earning.
43. Build Your Credit
Building your credit can be a long process, but it’s worth the effort. If you’re trying to establish or improve your credit score, here are some tips that might help:
Try to keep your credit utilization rate below 30% at all times.
Do not open too many new lines of credit in a short period of time.
Pay your bills on time.
This will help you avoid damaging your credit score.
Hacks for Free Money
Hacks for free money are a form of fraud wherein the perpetrator solicits payment via PayPal, credit card, or other methods in exchange for access to what they promise will be a legitimate business opportunity.
Hacking free money is a way to make more cash, fund your financial goals, or help you pay off debt. There are lots of ways that people hack their finances and use cash back apps for some extra income.
Other options include signing up for bank bonuses or credit card bonuses.
Honestly, real free money hacks are more likely to be scams. So, beware when searching online.
Money Hacks in the Kitchen
You can save the most money by looking at what you eat.
Typically, people waste over 25% of their grocery budget and throw out food. Would you willingly throw out $250 a month? Probably not.
So, learn how to stretch your money for food.
44. Start meal planning
Meal planning is a money-saving strategy that can help in the long run. It’s also important to eat healthily and reduce food waste when meal planning.
But planning ahead will help save on the grocery budget, and it’s not too late to start now.
Start meal planning by deciding what you want to eat for each day. Then, make a list.
45. Say no to prepackaged foods
Packing your lunch for work or school can be time-consuming, especially if you have a family.
Some people prefer to buy prepackaged foods because they save time, but this is not always the best option.
A better choice is to make your own food at home and pack it for lunch, which you can then eat in peace without worrying about what other people might be saying about the food you packed.
46. Eat at home
Eating at home is a way to save money. It may be uncomfortable for those who do not enjoy cooking as it requires extra effort and time.
Instead of getting food at restaurants, consider cooking your favorite meals at home.
You can save money and time by eating the same meal over and over again.
Learn about the frugal home must haves.
47. Grow your own herbs and food
The most common methods of gardening include container gardening, hydroponics, and both indoor and outdoor gardening.
Many people are growing their own herbs and food for the satisfaction of being able to eat something that was grown with their hands.
48. Take your lunch
If you are interested in saving money, consider taking your lunch. This will save you up to $1,000 a year on work lunches and make it easier to meet the recommended daily intake of fruits and vegetables as well.
“Take your lunch” is an invitation to eat at home. There are many benefits of eating out less often, such as saving money and gaining more control over food choices.
Travel Hacks to Save Money
The following are travel hacks that can help you save money on your next trip.
Some of these hacks include traveling during weekdays, using public transportation, staying at hostels and Airbnb instead of hotels, and using a travel credit card.
49. Use foreign websites for lower prices abroad
Foreign websites are websites that have been created by people from other countries, and they sell products in the language of their country. These websites often offer lower prices on products than what is offered in the United States.
If you’re traveling abroad and need to find a place to stay, there are plenty of websites that can help. A few websites have deals on places where travelers often stay while they travel internationally.
50. Stay for free or get paid to house sit abroad
A house sitter is someone who looks after someone’s property for a certain amount of time in exchange for the promise of payment.
House sitting is typically offered by homeowners to travelers and others who are looking to stay in a particular location for an extended period of time.
The main types of house sitting include:
– full-time house sitters, who are responsible for all aspects of the house and who are typically paid a monthly salary,
– part-time house sitters, who may be responsible for taking care of one or more specific tasks such as gardening or handling the mail
51. Hide your search
To avoid being taken advantage of by airlines, it is best to open a new incognito or private window between searches.
This will make sure that you are not tricked into buying tickets that may be significantly more expensive than they need to be.
Airlines use cookies in your browser to make you believe the prices are going up and up.
Money App Hacks
Money app hacks are ways that people have figured out to make their money work for them in terms of saving and spending. These apps offer different features, such as budgeting, tracking your spending, and saving money.
If you want a simple way to save money, then any of these money apps are designed to find excessive spending.
52. Billshark
This is a legitimate way to save money on monthly bills. Billshark offers you the opportunity to save up to 25% each month (when compared with regular bill payments).
All of this can be done for you by BillShark team, and there are no fees involved!
Try Billshark for free!
53. Trim
Review your spending habits to find what you can cut out, like subscriptions.
Find other ways to save by looking for ways to reduce costly bank fees or getting a discount on your cell phone plan. By using Trim, you are saving money and improving your financial health.
Sign up with Trim now.
54. Truebill
Truebill can help you to track your spending, save money and get a clear picture of your financial life.
This helps you identify services that you are no longer using but continue to pay for. It will help save money by automatically negotiating prices with your service providers and receiving a refund of the money going to waste, which is free money.
Get started with Truebill.
Which Life Money Hacks Can You Start?
This is a lot to take in, but don’t worry.
Take the time to read through each suggestion and consider how you can implement it into your life.
The more hacks you try out, the closer you’ll get to a healthy financial mindset.
These are the life hacks to save money I have found to work for me and my family in order to reset our financial mindsets and grow our net worth.
Everyone will find their niche and what will work best for them.
Personally, you need to figure out how do I make more money. That will make the biggest impact the fastest.
What have you done with your money lately?
Know someone else that needs this, too? Then, please share!!
Pennsylvania is a state that is overtly rich in history and culture, and it offers a wide variety of living options for its renters and their individual tastes. From bustling cities to quiet communities, there is no shortage of great places to call home in the Keystone State. We’ve narrowed down our top picks of the best places to live in Pennsylvania, sure to please renters looking for their dream homes.
Population: 50,135
Median household income: $44,444
One-bedroom average rent: $1,250
Two-bedroom average rent: $1,485
Harrisburg is the capital city of the state of Pennsylvania, full of rich history, vibrant arts and culture scene and outdoor attractions. The city played an important role in the American Civil War, serving as a major transportation hub for troops and supplies. Residents can explore this history at the National Civil War Museum or take a stroll through the historic district to see some of the city’s 19th-century architecture.
In terms of outdoor attractions, The Susquehanna River is a popular spot for kayaking, fishing and other activities, and there are plenty of parks and green spaces to explore. Additionally, the city is home to a thriving arts scene, with galleries, theaters and performance spaces showcasing everything from classical music to contemporary art.
Top apartments in Harrisburg:
Population: 57,503
Median household income: $54,145
One-bedroom average rent: $1,495
Two-bedroom average rent: $1,750
Lancaster is a charming city in the heart of Pennsylvania Dutch country, known for its rich history, beautiful countryside and food. One of the most well-known features of Lancaster is the Amish community. You can take a guided tour of the Amish countryside to see their traditional way of life, including horse-drawn buggies, farmhouses and beautiful landscapes. You can also sample homemade jams, jellies and other Amish treats.
The city also has a quaint, historic downtown area with various shops, restaurants and attractions. You can visit the Central Market, which is the oldest continuously operating farmers’ market in the country, or check out the Fulton Theatre, which hosts a variety of plays throughout the year.
Top apartments in Lancaster:
Population: 1,699,000
Median household income: $54,306
One-bedroom average rent: $1.402
Two-bedroom average rent: $1,699
Pittsburgh is a sports-centric city located in western Pennsylvania. It’s known for its influential steel industry, bridges and sports teams. Pittsburgh has an intense sports culture. The city has a long history of successful sports teams, including the Pittsburgh Steelers football team and the Pittsburgh Penguins hockey team.
The city is also known for its history and architecture. Once a hub for the steel industry, Pittsburg is full of many old factories and mills throughout the city. If you’re interested in arts and culture, there are plenty of museums and galleries to explore in Pittsburgh as well. The Andy Warhol Museum, for example, showcases the life and work of the famous artist who was born in the city.
Top apartments in Pittsburg:
Population: 95,331
Median household income: $38,738
One-bedroom average rent: $1,526
Two-bedroom average rent: $1,630
Reading is a diverse city with a mix of urban and suburban areas. It’s home to various colleges and universities, including Alvernia University and Reading Area Community College. The city also has a booming arts and culture scene, with several theaters and galleries showcasing local talent.
Reading has a rich history, particularly in the industrial and railroad industries. In the late 1800s and early 1900s, the city was a major center for iron and steel production, and many of the historic buildings in downtown Reading were built during this time. In fact, the city’s nickname is “The Pretzel City” due to its history as a center of pretzel production.
Top apartments in Reading:
Population: 95,331
Median household income: $44,161
One-bedroom average rent: $1,412
Two-bedroom average rent: $1,400
If you’re a fan of “The Office,” you might already know a bit about Scranton, as the popular TV show was set there. Scranton has a rich history in relation to the coal mining industry and still has remnants of that heritage today. The Lackawanna Coal Mine Tour is a popular attraction where you can explore an actual coal mine and learn about the city’s coal mining history.
When it comes to food, Scranton offers a mix of culinary cuisine. You can find everything from traditional Pennsylvania Dutch dishes to modern American favorites. The city is particularly known for its pizza and hoagies, and you’ll find numerous local establishments serving up delicious versions of these classic favorites.
Top apartments in Scranton:
Population: 5,756,000
Median household income: $52,649
One-bedroom average rent: $1,812
Two-bedroom average rent: $2,117
The heart of Pennslyvania comes alive in the bustling city of Philadelphia. This city is a vibrant neighborhood with a mix of residential and commercial spaces. Here, you’ll find high-rise apartment buildings, condominiums and lofts. Residents are within walking distance of many cultural attractions, restaurants, shops and work opportunities.
Philadelphia is known for its rich history, world-class museums, vibrant arts scene and sports culture. From the Liberty Bell and Independence Hall to the Philadelphia Museum of Art and the Philadelphia Orchestra, there’s no shortage of cultural experiences for renters to enjoy.
Top apartments in Philadelphia:
Population: 44,968
Median household income: $46,050
One-bedroom average rent: $1,242
Two-bedroom average rent: $1,433
Located in the southern part of the state, York is an affordable city with quaint neighborhoods. York has deep historical significance as it was the temporary capital of the United States during the American Revolution when the Continental Congress met here. It’s also the birthplace of the Articles of Confederation, the first written constitution of the United States.
If you’re into a mix of historic and modern influence, Downtown York is the perfect spot. Residents have access to cool apartments with lots of character surrounded by local shops and restaurants to explore. Access to transportation is great as well with the Rabbit Transit buses to help get around the city and connect to nearby areas.
Top apartments in York:
Population: 777,000
Median household income: $47,703
One-bedroom average rent: $1,741
Two-bedroom average rent: $1,735
Allentown is known for its diverse and vibrant culture. The city is home to a blend of different ethnicities, which is reflected in its festivals, cuisine and community events. Allentown offers a thriving arts and entertainment scene. The Allentown Art Museum and the Civic Theatre of Allentown, are just two places residents can enjoy entertainment and expand horizons.
Nature lovers will appreciate the parks and outdoor spaces Allentown offers. Lehigh Parkway, a scenic park along the Lehigh River, offers walking trails, picnic areas and opportunities for fishing and kayaking. The Trexler Nature Preserve, just outside of Allentown, provides even more opportunities for hiking and wildlife observation.
Top apartments in Allentown:
Population: 94,571
Median household income: $40,201
One-bedroom average rent: $1,192
Two-bedroom average rent: $1,430
Erie is a haven for outdoor enthusiasts. One of the biggest and most well-known draws of Erie is its stunning natural beauty through spots like Lake Erie. In addition to Presque Isle State Park, there are plenty of opportunities for hiking, camping and exploring nature in the surrounding area.
The city area, downtown Erie, offers a mix of commercial, residential and cultural attractions for residents to enjoy. State Street serves as the main thoroughfare, lined with shops, restaurants and businesses. Downtown is home to historic buildings, including the ornate Warner Theatre, which hosts a variety of performances and events.
Top apartments in Erie:
Create your own history in Pennsylvania
Pennsylvania is a state that truly showcases its rich history and diverse culture, providing renters with a multitude of living options to suit their individual preferences.
With our top picks of the best places to live, renters can confidently embark on their search for their dream homes, knowing that Pennsylvania has something to offer everyone. Start your search today!
Today I thought I’d highlight a smaller community bank that does a really good job marketing mortgages, Farmers Bank of Kansas City.
While their history extends far beyond that of most mortgage lenders, 113 years old to be exact, their use of technology is a great example of what a bank can do right when it comes to home loans.
Just because you’re a big bank doesn’t mean you can’t have a great website, or embrace the latest tools available.
Farmers Bank of Kansas City says they offer a customized approach to every mortgage they originate, and they’re happy to do business any way you like, whether that’s by text, phone call, or email.
Farmers Bank of Kansas City Mortgage Fast Facts
Depository bank headquartered in Overland Park, Kansas
Founded more than 100 years ago
A branch of Farmers Bank & Trust
Offer home purchase loans, refinance loans, and home equity products
Licensed to lend nationwide
Farmers Bank of Kansas City is actually a branch of the larger Farmers Bank & Trust, which has assets nearing $1 billion dollars.
It appears they are the tech-savvy arm of the bank that has invested in technology so you can apply for a home loan from just about anywhere, without the typical inconvenience.
While they love what technology can do, they don’t forget to offer the personal attention you’d feel from a small town bank.
How to Apply for a Mortgage with Farmers Bank of Kansas City
It’s possible to apply for a home loan via their website without any human assistance
They offer a digital mortgage application powered by fintech company Ellie Mae
Securely submit documents online, check loan status 24/7, and communicate with their lending team via text, phone, or email
You can also compare mortgage rates before you apply and search their loan officer directory if you want to work with someone specific
One awesome thing about Farmers Bank of Kansas City Mortgage is the ability to apply for a home loan directly from their website, without any assistance.
You don’t need to fill out a contact form or wait for someone to call you back. Instead, you can dive right in on your own.
They offer a digital mortgage application powered by Ellie Mae that lets you complete much of the loan process paperlessly.
You can link financial accounts, scan and upload paperwork, and eSign documents along the way to get things done fast and securely.
To begin, simply head to their website and click on “Get Started.” That will take you to their mortgage rate quote page where you can enter basic details to see loan pricing.
Alternatively, you can just click on “Quick Apply” and go straight to the loan application without getting pricing.
A better strategy might be to check out rates first, then if you like them, browse their loan officer directory (also on their website) to handpick someone to work with.
You can apply from each loan officer’s own webpage or short bio section. Check their personal reviews to find out who might be the best fit.
Those looking for a mortgage pre-approval can also use the digital application to get started.
Loan Types Offered by Farmers Bank of Kansas City Mortgage
Home purchase loans and refinance loans
New construction and home renovation loans
Conforming home loans backed by Fannie/Freddie
Government-backed home loans: FHA/USDA/VA
Jumbo home loans
Home equity lines and loans
Fixed-rate and adjustable-rate options available in various terms
Farmers Bank of Kansas City offers the full suite of mortgage loan offerings, including home purchase loans, refinance loans, construction and renovation financing, and home equity products.
You can get a mortgage on a primary residence, second home, or investment property, including condos and townhomes.
Whether you are a first-time home buyer or an existing homeowner, they’ve got all the major loan programs to choose from, including conforming loans, jumbo loans, and government-backed loans including FHA, USDA, and VA loans.
In terms of loan type, you can choose from various fixed-rate and adjustable-rate mortgages, including the popular 30-year fixed or a 7/1 ARM.
Those looking to keep their first mortgage intact can inquire about a home equity line of credit (HELOC) or a home equity loan if they need cash.
All in all, they appear to offer just about everything you’d need mortgage-wise.
Farmers Bank of Kansas City Mortgage Rates
One great thing about Farmers Bank of Kansas City is the fact that they let you see their mortgage rates without having to call or fill out a lengthy mortgage rate quote form.
Simply head to their website, find the Home Loans menu, then click on “Get Rates.” From there, you’ll be able to create your own custom rate quote without any assistance necessary.
You can see rates for all types of different loan scenarios, including home purchase loans, refinance loans, and cash out refis. There’s even an option to waive escrows.
They list a variety of different rates with varying costs or lender credits so you can compare options with and without discount points.
From what I saw, their mortgage rates were super competitive relative to other lenders, even the rates they listed without any lender fees being paid out of pocket.
Speaking of fees, they do seem to charge a $1,295 loan origination fee, but as noted this can be covered by a lender credit.
They’ve also appeared on the Zillow Mortgage Marketplace, with seemingly excellent rates and lender fees as low as $1.
So it seems you can take the no cost refinance approach if wanted and still wind up with a great rate.
Farmers Bank of Kansas City Mortgage Reviews
On Zillow, the company has a 4.82-star rating out of 5 from nearly 300 customer reviews.
One nice thing about the Zillow reviews is you can fine-tune by loan officer to see how a particular individual performed in the past.
They have roughly 20 loan officers on their roster, so it shouldn’t be hard to check out their personal reviews, then go with who you like best.
Their parent company is not Better Business Bureau (BBB) accredited, but does have an ‘A+’ rating based on customer complaint history.
In summary, Farmers Bank of Kansas City gets bonus points for being transparent on mortgage rates and having an awesome and easy-to-use website.
But as always, take the time to shop around and compare their rates, fees, and loan process to other banks and lenders to ensure you get the best deal.
Farmers Bank of Kansas City Mortgage Pros and Cons
The Good
Offer a digital mortgage experience
Can apply directly from their website without a human
They display their mortgage rates on their website
Plenty of loan options to choose from including HELOCs and home equity loans
Excellent customer reviews and A+ BBB rating
Lots of free mortgage calculators and mortgage glossary on site
Overall great website design and easy to navigate
The Maybe Not
No physical locations other than some branches in Kansas
If you live in Indiana, there’s a very good chance you either got your home loan from Ruoff Mortgage, or at least considered them if you’re a homeowner.
After all, the company managed to originate nearly $3 billion in home loans last year, with roughly $2 billion coming from the Hoosier State alone.
They’ve even got an IndyCar with Ruoff Mortgage plastered along the front and sides of the vehicle, and the naming rights to the Ruoff Music Center, the largest outdoor music venue in Indianapolis.
So it’s clear they’re laser-focused on a certain region of the country, as opposed to trying to tackle the nation as a whole.
This has proven to be a successful model as they are now one of the top mortgage lenders in the nation, and #1 in Indiana.
You may also want to check out First Internet Bank of Indiana if you live in the Hoosier State.
Ruoff Mortgage Fast Facts
Independent direct-to-consumer mortgage lender
Founded in 1984, headquartered in Fort Wayne, Indiana
Employ nearly 1,000 workers across 70+ branches
Ranked the #1 mortgage lender in Indiana
Now the “Official Mortgage Partner of NASCAR”
If you’re wondering where they got their name from, they were originally known as the Dave Ruoff Mortgage Co., after founder David Ruoff.
They later changed the company name to Ruoff Mortgage, and today employ around 1,000 employees across some 70 branches.
As noted, they are highly-concentrated in the Midwest, with another $500 million in volume coming from nearby Ohio and Michigan, leaving a small amount of business scattered across remaining states.
They are also big on home purchase lending, with such loans accounting for nearly 75% of overall volume.
The remainder came from refinance loans, including rate and term and cash out loans.
Ruoff Mortgage also operates two sister companies, Centurion Land Title (title insurance) and Accucomp Appraisal Services (home appraisals).
At the moment, they are licensed in 46 states and D.C., with Alaska, Hawaii, Nevada, and New York the exceptions.
The company is big on partnerships, and has 50+ at last glance, including NASCAR, the Indianapolis Colts, Andretti Autosport, the Cincinnati Reds, and the Columbus Blue Jackets.
Their latest venture is signing on to become MLS club Charlotte FC’s Official Mortgage Company.
How to Apply for a Home Loan with Ruoff Mortgage
They offer a digital mortgage experience known as Loan Butler
Allows you to apply for a home loan via smartphone, tablet, or computer
You can order a credit report, digitally verify income/employment, and upload documents
Those purchasing a home can also generate a pre-approval letter on the fly in 10 minutes
Ruoff Mortgage offers a digital mortgage solution known as “Loan Butler,” which lets you complete most of the loan process from your smartphone, tablet, or desktop computer.
You’re able to initiate a credit check on your own to view your credit report and credit scores, digitally verify assets, income and employment, upload documents securely, and eSign disclosures.
Once your loan is submitted, you’ll be able to log in to the loan portal to check loan status, see so-called milestone updates, and/or get in touch with your loan officer.
In terms of selecting a loan officer, they have a directory on their website that allows you to search by name or location.
So you can find someone nearby, or check out individual reviews first, then make contact with the loan officer of your choice.
Those who just want to get started can simply fill out a short contact form on their website, at which point someone will reach out to help you begin the application process.
You can also call or email them at any point if you have questions or need more hands-on assistance.
They also say they’re fast, with the average loan going from submission to clear-to-close in just 17 days.
Lastly, they claim you’ll only spend about 10 minutes at the closing table when it comes time to fund your loan thanks to Ruoff’s Digital Closing Experience.
All in all, they appear to offer the latest technology along with experienced loan officers who can provide pricing and guide you through the loan process.
Loan Programs Offered by Ruoff Mortgage
Home purchase loans
New construction loans
Renovation loans
Refinance loans (rate and term, cash out, streamline)
Conventional loans backed by Fannie Mae and Freddie Mac
Government-backed loans: FHA/USDA/VA
Jumbo home loans that exceed conforming limit
Fixed-rate and adjustable-rate mortgages with various loan terms
Ruoff Mortgage offers all the major home loan types you could ask for, including home purchase loans, home construction loans, home renovation loans, and refinance loans.
They’re available on all property and occupancy types, including single-family homes, condos/townhomes, multi-unit properties, and primary, vacation, or investment properties.
So whether you’re buying a fixer-upper or refinancing an existing home loan, they should have you covered.
When it comes to renovation loans, they offer Fannie Mae HomeStyle, FHA 203(k), or a VA loan option.
If refinancing, you can do a simple rate and term refinance, or pull equity via a cash out refinance. It’s also possible to apply for a streamline refinance, such as an IRRRL.
They offer conventional loans backed by Fannie/Freddie, government-backed loans such as FHA loans, USDA loans, and VA loans, and jumbo home loans for loan amounts above the conforming limit.
In terms of loan type, you can get a fixed-rate mortgage with a 15- or 30-year term, or an adjustable-rate mortgage such as a 5/1 ARM or 7/1 ARM.
Ruoff Mortgage Rates
One slight negative to Ruoff Mortgage is the fact that they do not publicize their mortgage rates, so we’re in the dark when it comes to loan pricing.
The same goes for lender fees, which don’t appear on their website. It’s unclear what they charge, such as an application fee or loan origination fee.
As such, it’s recommended that you speak to a loan officer before applying to get loan pricing, then if you like what you hear, you can move forward.
But don’t forget to compare their interest rates and fees to those of competitors as well to ensure they are favorable.
Remember, you could be paying down this loan for the next 30 years, so put in the time to shop around!
Ruoff Mortgage Reviews
On Zillow, they have a very impressive 4.98-star rating from nearly 700 customer reviews, which is basically perfection.
After scanning their reviews, many indicated both the interest rate and closing costs were lower than expected, which is a good sign pricing-wise.
On LendingTree, they have a perfect 5-star rating, though it’s based on just seven reviews, so not a great sample size. They also boast a 100% recommend rating.
The company also notes that they’ve got a 98.2% customer satisfaction score according to Customerville.
Their only questionable reviews come via Google, where they have a 3.9-star rating from 20 reviews, thanks to a mix of 5-star and 1-star reviews.
Ruoff Mortgage is a Better Business Bureau accredited, and has been since 1986. They currently enjoy an ‘A+’ rating.
In summary, they appear to be well-liked, offer lots of different loan options, and seem to offer a fast digital mortgage experience. If pricing is also on point, they could be a suitable choice for your home loan needs.
Ruoff Mortgage Pros and Cons
The Good
Offer a digital mortgage experience
Apply from any device or use their free smartphone app
Can close fast: average 17 days clear-to-close
Mostly excellent customer reviews
A+ BBB rating, accredited company
Lots of loan programs to choose from
Mortgage calculators and mortgage glossary on site
