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It appears the pesky down payment hurdle to homeownership is finally being swept aside.

This week, Fifth Third Bank out of Cincinnati, Ohio announced the availability of a mortgage with absolutely no down payment requirement.

Put simply, that means you no longer need to save up to buy a home, whether that’s actually a good thing or a bad thing.

This seems to have been borne out of necessity, not preference, especially as home prices reach new heights nationwide.

Fifth Third’s Down Payment Assistance Program

  • If you’re light on down payment money
  • You may want to check out Fifth Third’s DPA program
  • Which offers up to $3,600 in down payment assistance
  • Combined with Freddie Mac’s Home Possible Advantage mortgage to create a zero down home loan option

The so-called “Down Payment Assistance Program” from Fifth Third relies upon Freddie Mac’s Home Possible Advantage, which allows for loan-to-value ratios as high as 97%.

The remaining three percent of the home purchase price is covered by Fifth Third via down payment assistance.

Fifth Third will allow up to $3,600 in down payment assistance, meaning the property price can’t exceed $120,000.

That $3,600 doesn’t need to be paid back, and it can used toward the down payment or closing costs depending on product type.

So the loan program is clearly geared toward those with low or moderate income, not just anyone looking to forego the usual down payment requirement.

The property must also be located in the following states: MI, IN, IL, KY, TN, OH, WV, NC, GA, FL.

To qualify, the property must either be located in a Low Income Census Tract or the borrower must meet the low income limit threshold based on figures from the Federal Financial Institutions Examination Council (FFIEC) website.

Prospective home buyers can also utilize local and state housing programs to “take advantage of free money for their down payments.”

Fifth Third does note that the down payment assistance might be treated as taxable income and reported to the IRS, so keep that in mind when pursuing this type of loan.

You don’t need to be a first-time home buyer to take advantage of this program, and if it aligns with Freddie Mac’s guidelines, the minimum FICO score is just 620.

It turns out Fifth Third accepts credit scores as low as 600, which is pretty amazing when coupled with a no down payment loan program.

However, if you are a first-timer, you probably have to complete some form of homeowner education.

The property must be a single-unit, primary residence, though I believe both single-family homes and condos/townhouses qualify.

Loan options are probably restricted to fixed-rate offerings, with the 30-year fixed the most likely candidate for home buyers with limited means.

No Money in the Bank Might Not Be a Problem

  • Aside from not needing a down payment
  • You might be able to qualify without reverses as well
  • So having no money in the bank isn’t necessarily a roadblock here
  • You can also enjoy reduced mortgage insurance premiums

The Freddie Mac program doesn’t require asset reserves so qualifying homeowners may be able to purchase a home with absolutely no money in the bank.

Additionally, it comes with reduced mortgage insurance premiums, making monthly payments more affordable to those with limited income.

Fifth Third is the latest bank to offer a low or no-down payment mortgage option.

A couple weeks ago, Guaranteed Rate launched a 1% down mortgage that relies upon a forgivable grant as high as 7% of the purchase price.

Quicken Loans, the largest nonbank mortgage lender in the nation, also has a 1% down payment mortgage that isn’t widely publicized.

Interestingly, all of these new mortgages rely on conforming loan programs and noticeably snub government lending such as FHA, which fell out of favor recently after a number of lawsuits.

While it’s great to have another flexible mortgage option, keep in mind that it may be more difficult to get your offer accepted if you are putting little to nothing down.

Home sellers aren’t particularly keen on seemingly high-risk buyers because chances of lender fallout are higher.

Read more: 3 ways a low down payment raises your monthly mortgage payment.

Source: thetruthaboutmortgage.com

Apache is functioning normally

Welcome to the world of Bohemian-inspired home design, where creativity knows no bounds and a free-spirited aesthetic reigns supreme. Whether you’re seeking to transform your apartment in Rochester, NY  or add a touch of wanderlust to your suburban home in Orlando, FL, the Bohemian design can transport you to a world of balance, harmony, and unconventional beauty.

In this Redfin, we’ll explore expert tips and advice from professionals in the field to help you achieve the perfect Boho look for your home. Learn from professionals about self-expression, celebrate diverse cultures, and weave your own narrative into your home decor. Whether you’re a seasoned at heart or a newcomer to this design philosophy, these experts will guide you through the process of creating a space that exudes warmth, peace, and the allure of the unconventional.

1. Boho style is all about balance

In Bohemian design, finding balance is key to creating a harmonious and visually pleasing space. While the style embraces eclecticism and the mixing of various elements, it’s important to strike a balance between contrasting elements to avoid overwhelming the senses.

“One common mistake people often make is forgetting that balance is crucial in Bohemian design,” says Josh Cemelich from ABT Modern. “The style’s essence lies in the artful blend of patterns, colors, and textures while maintaining a sense of harmony. An overabundance of elements without careful curation can result in visual clutter rather than a calming, inviting ambiance.”

2. In Bohemian design, there are no rules

In Bohemian design, the beauty lies in its lack of rules and strict guidelines. It’s a style that encourages individuality, self-expression, and a free-spirited approach to decorating.

“I love the freedom that the Bohemian aesthetic offers. It gives me the liberty to mix different eras, such as Twentieth Century pieces, with organic elements like rattan or various woods. The intentional use of eclectic art and sculpture brings in a layer of personal expression that truly embodies the spirit of boho,” says Josh.

“My advice to those embracing a Bohemian-inspired home is to let your space tell your story. Let each piece of furniture, each artifact, each color, and texture echo your personal journey. Remember, in a Bohemian home, there are no rules—only a boundless canvas for your creativity.”

3. Bohemian design is a tapestry of art, culture, and unconventional beauty

Boho design embraces diverse influences from around the world, blending elements of different cultures, eras, and artistic styles.

“Having a Bohemian-designed home is all about celebrating art, beauty, and bold unconventional choices of colors, textures, and patterns that all unexpectedly harmonize together in a delicious collection from all over the world,” shares Studio Mishou. 

“Imagine lush rugs, gallery walls of paintings, light fixtures that resemble interesting giant jewelry pieces, fantastic pillows in all kinds of indulgent fabrics, an abundance of color, and art objects that initiate conversations. Basically, a Boho home is like that eccentric aunt who wears fabulous silk caftans, has traveled the world, and hosts the best cocktail parties with people from all walks of life.”

Courtesy of Studio Mishou

4. Incorporate natural elements into your Bohemian inspired home 

Utilizing natural elements is a fundamental aspect of Bohemian design, adding an organic and grounding touch to the overall aesthetic. The Bohemian style embraces the beauty of the natural world, bringing in elements such as plants, natural fibers, and raw materials. 

“Use natural, sustainable elements such as wicker, rattan, wood, metal, and bamboo, all of which are beautiful and can be utilized in various ways to create an eclectic and grounding ambiance,” recommends Rooms Refreshed.

“Plants are particularly inspiring for creating a Bohemian atmosphere as they bring the essence of the outdoors inside. With a wide range of indoor plant varieties available, mix and match them to create your own living, colorful artwork.”

Courtesy of Rooms Refreshed

5. Add vibrant, colorful expressions for an artistic flair

Bohemian style celebrates the bold and the unexpected, encouraging the use of vibrant hues and expressive palettes throughout the space.

“As an artist who lives and breathes the boho look, I use vibrant color combinations abundantly to create the desired aesthetic. My favorite colors include orange, pink, yellow, bright purple, lime green, and a profusion of teal,” suggests Teresa Stone, Known as the Gypsy Gardener, from The Bazaar On Apricot & Lime.

“My Bohemian home serves as a direct reflection of my artistic expression. My art predominantly revolves around abstract floral themes, and I extend my creative palette beyond canvas by painting on various furniture pieces sourced from thrift stores or stumbled upon curbside..”

Courtesy of Gypsy Gardener

6. Create a look that reflects your personal style

Boho design encourages you to embrace your individuality, allowing your space to become a canvas for self-expression.

“Bohoemian style is about creating spaces that reflect personal tastes and experiences, rather than adhering to specific design rules or trends,” says Luonto Furniture. “ It’s about creating spaces that are not just visually appealing, but also comfortable, inviting, and full of character.”

Courtesy of Luonto Furniture

7. Create a narrative by weaving travel memories into your decor 

Capture the spirit of your adventures by incorporating travel-inspired elements throughout your home. Displaying souvenirs, such as maps, globes, or postcards from your journeys, adds a personal touch and sparks conversations about your experiences.

“Travel is a big focus for me and my family. Sometimes it is to an exotic location like Nepal, and other times it is a Sunday drive to the foothills for a hike. Of course, we have photo albums to record the trips, but I like to keep those memories more present by weaving a lot of our travel finds throughout our house, on bookcases and side tables,” shares Cydney Davis-English, Owner and Design Lead for The English Garden.

“We try to avoid tourist stop posters and shot glasses and instead seek out local artists. Making a purchase from a local artist or shop owner doesn’t have to be expensive, and it helps keep those businesses vibrant. Whether it’s a piece of pottery, a small drawing, or even something functional like a candle or kitchen item, these items can help us relive our trips.”

Courtesy of Cydney Davis-English

8. Add floral accents 

Embracing the presence of flowers and botanical elements brings life, color, and a sense of serenity to your space.

“Make a living, organic element one of your decorating layers,” says Cydney, a third-generation flower shop owner. “With Bohemian styling, it’s easy for things to appear busy and cluttered. By focusing your flowers on one bold shot of colo, you can add a vibrant touch without overwhelming the visual space. Additionally, keep the plant elements simple by displaying them in unpatterned terra cotta pots or colorful ceramics.”

9. Break up your Boho-chic space into zones

“Just as if you were planning a boho-chic wedding, break up your space into zones that will serve specific functions while fitting the desired theme,” suggests Walt Shepard from Inside Weddings. 

For example, create a cozy reading nook with layers of textured pillows, bold-toned blankets, and candlelight emitted from lantern-inspired votives; adorn the dining area with woven place mats, place settings featuring mismatched china in various colors and prints, and organic centerpieces surrounded by bud vases; or curate a bohemian-inspired lounge with a rich velvet or leather sofa, statement vintage chairs, and cozy, soft accents for an eclectic look.”

Breaking up your Boho-chic space into zones is a practical and stylish way to optimize the functionality and flow of your home. By defining specific areas within your space, you can create distinct zones for different activities, while maintaining the overall bohemian aesthetic.

10. Expand your Bohemian space outdoors 

Transforming your outdoor area into a bohemian oasis extends your living space and creates an enchanting retreat.

“I believe in embracing the Bohemian design philosophy not only indoors but also in outdoor spaces,” says says Rafael Montilla from Art Miami Magazine. “By utilizing cozy seating areas, layered textiles, and organic materials, you can create a seamless transition between inside and outside, allowing for a holistic boho experience.”

11. Add texture in every room

“Introduce various textures to add depth and visual interest to your space,” suggests Bohemian Hive. “Combine smooth surfaces like glass or metal with textured materials like velvet, fur, or woven fabrics. Textures can be incorporated through rugs, cushions, curtains, or even wall treatments like textured paint or wallpaper.

Another way to do this is by mixing and matching furniture, old, and new decor. Incorporating unique vintage or thrifted pieces adds character to your eclectic design. Explore flea markets, second hand stores, or online platforms to find one-of-a-kind items that can become conversation starters in your space.”

By incorporating various textures, you can enhance the cozy, eclectic, and inviting nature of Bohemian style.

12. Incorporate live plants whenever possible

 “Plants are a great, low-cost way to add energy and color to your space, and they really enhance the modern boho aesthetic,” shares Homescaped. Bohemian design is heavy in texture and can be a mix of furniture pieces from different styles to create an eclectic, collected over time look. Think macrame planters and that vintage coffee table you saw at the flea market last weekend, combined with a modern sofa and colorful, vibrant throw pillows. Avoid making everything too matchy-matchy.”

Plants not only enhance the aesthetic appeal of your home but also contribute to a healthier and more rejuvenating environment.

Courtesy of Homescaped

13. Use Rainbow prisms to add a magical touch to your space

“Rainbow prisms are one of the most inexpensive, renter-friendly, and easy-level DIY ways to enhance your space,” suggests Amelia Dean, Owner of Bohemian Reves. “Using either a suncatcher window sticker or a faceted crystal hung from clear fishing wire, you can place them in a southwest or northeast window or attach them to the ceiling. 

Placing these prisms in hallways and small areas can have a significant impact, and using both methods together can create captivating dimensions. For bolder prisms, use round crystals as they keep the energy flowing. For softer prisms, stick to flatter chandelier shapes.”

Courtesy of Bohemian Reves

14. Dry-lay tiles on window sills and room borders

“Renting? Not a problem. I have a small obsession with dry-laying tiles without adhering them to transform window sills and room borders,” says Amelia. “Often, after living with and testing tiles in a space, I’ll either find it validates my decision in the spot I choose or that it could have a more suitable home. Perhaps they are more delicate than you thought or they clash with something else that has changed along the way. 

This has saved me countless times. Be sure to keep a flat, solid substrate in mind and only place them in areas that will not be walked on to avoid breaking or damaging the tile. Look for sale tiles or tiles that have less than 1000 square feet left. It’s an amazing way to save money and keep your home diverse and stimulating. Don’t toss your tile samples, they’re often the perfect size for windowsills.”

Courtesy of Bohemian Reves

16. Embrace mismatched furniture

Rather than aiming for perfectly coordinated sets, embrace the beauty of individuality and mix different styles, eras, and finishes.

“The days of matchy-matchy furniture sets are long gone,” shares KB Design. “Especially if trying to achieve the boho look. The more eclectic, the better. If you currently have a more traditional couch set, and trying to upfit on a smaller budget, create the eclectic feel by sourcing a funky coffee table, lamps, playful pillows and low-sitting accent chair. Mirrors, taper candles, books from your travels, and anything else special that speaks personally to you.”  

Courtesy of KB Design

17. Invest in Bohemian craftsmanship

Seek out unique, handcrafted pieces that showcase the skill and artistry of local artisans. Look for furniture, textiles, ceramics, and decorative items that are made with traditional techniques and showcase intricate details.

“Enhance your free-spirited Bohemian Lifestyle by showcasing exquisite solid wood creations in your home,” says Bohemian Works. “Add authentic wood accents that embody organic forms, blending functionality and aesthetics seamlessly. From flooring to kitchen doors, create a harmonious living space that celebrates the essence of Bohemian design.”

Courtesy of Bohemian Works

Source: redfin.com

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Welcome to the world of Spanish interior design, where warmth, authenticity, and timeless beauty come together. Whether you live in an apartment in Tucson, AZ  or you’re moving to a new house in Orlando, FL, the allure of Spanish-inspired interiors transcends geographical boundaries. With its roots deeply embedded in Spanish culture, this design style offers a universal appeal that can be embraced and adapted in any corner of the world.

In this Redfin article, we will delve into the expert tips and advice from professionals in the field, guiding you on how to achieve an authentic Spanish Hacienda-style interior.  We’ll uncover the secrets to crafting a Spanish-inspired home that reflects its rich heritage and evokes a sense of relaxed elegance. 

1. Incorporate Spanish-inspired architectural elements and design features

While there are no rigid guidelines for achieving this aesthetic, there are certain characteristics that are commonly found in Spanish-style homes.

“Install arched details and doorways to recreate an old-world Spanish architectural vibe,” recommends Rachel Moriarty Interiors. “Incorporate hand-painted tiles in a patterned design and terracotta flooring for an authentic Spanish Hacienda feel. Use earthy colors like terracotta and mustard to create a warm and inviting ambiance that mimics the Spanish Hacienda look.

Use iron accents such as stair rails, lighting, and hardware to recreate Spanish architectural design.”

Courtesy of Deborah Shields 

2. Use natural materials throughout your home

Natural materials, like stone and wood, help capture  the authentic beauty and character of Spanish Hacienda design.

“The key to any good design, particularly Spanish Hacienda, is to focus on authentic materials,” recommends Deborah Houston Interiors. “In a world of fake wood and porcelain everything, there is no substitute for the real thing: real stone, wood, metal, and ceramics. They are the key to achieving authentic beauty.”

3. Blend contemporary design into your Spanish Hacienda design

To bring a fresh twist to your space, consider incorporating contemporary design elements alongside traditional features.

“Don’t be afraid to mix modern or transitional design elements into a Spanish Hacienda home. The traditional arches, wood beams, smooth stucco walls and wrought ironwork can easily be blended, and even more highlighted, with light paint colors, transitional furniture and striking accessories to create a stylish home that families today will love,” shares Tena Hill, Design Studio Director and Interior Designer at Andalusia Country Club

4. Showcase beautiful crafstmanship

Intricate designs and fine craftsmanship take center stage, allowing the beauty of each piece of furniture in your home to shine.

“The Spanish Hacienda design style is all about letting the beautiful craftsmanship of this style speak for itself,” says Homzie Designs. “We love featuring statement-carved headboards like this dark wood spindle bed. Its scale and detail ground the space and draw the eye, allowing you to appreciate the craftsmanship. When using a variety of statement features like wood beams, carved furniture, and large-scale woven lighting, we like to keep the rest of the styling minimal by bringing out this style’s organic colors and textures to keep anything from competing.”

Courtesy of Homzie Designs

5. Spanish interior and architectural design should reflect its roots

Spanish interior and architectural design is deeply rooted in its heritage and should reflect the essence of its origins.

“Our architecture focuses on the continuity of the values of Andalusia: its climate, culture, and tradition, which are significant elements in Spanish interior design,” says Alejandro Giménez Architects. “Andalusia, a region in southern Spain, holds a rich cultural heritage and historical importance, shaping our contemporary projects that blend traditional aesthetics with a modern approach, allowing us to maintain our unique identity and stand out from other places.

Among the materials we use in our projects, we highlight the esparto grass on the façade, Portuguese stone block flooring, natural muds, application of natural plaster, solid natural wood with its textured nobility, and rattan in the wardrobes. Even with the incorporation of new materials such as microcement, we ensure the application is done by human hands.”

Courtesy of Alejandro Giménez Architects

6. Don’t be afraid to mix in modern elements

The Spanish hacienda style offers versatility in design, allowing it to seamlessly integrate into modern interiors while preserving its unique and defining features. With careful adaptation, this style can be infused with contemporary elements to create a harmonious blend of old-world charm and modern aesthetics.

“Spanish hacienda is an immediately recognizable style because it is so specific. It requires arched or open doorways, exposed wood beams, terracotta tiles, iron finishes, and a warm color palette,” shares Kate O’Hara, CEO from Martha O’Hara Interiors. “What is exciting about this style is that it lends itself to a modern interpretation that many people are embracing. For people who don’t want terracotta covering their floors, they might consider stair risers, which is a beautiful and unique way to pull the necessary elements into a house.”

Courtesy of Andrea Calo

7. How to craft a warm, simple, and cohesive atmosphere

“Embrace the warmth and elegance of Spanish Hacienda style by incorporating rich, earthy tones, rustic textures, and intricate architectural details into your home. From hand-painted tiles to wrought iron accents, creating a space that exudes the timeless charm of a Spanish hacienda is all about celebrating craftsmanship and embracing a relaxed, inviting atmosphere,” suggests Etch Design Group.

“When striving for authenticity, it’s important to avoid excessive ornamentation and clutter. Maintaining a balance between simplicity and the authentic elements of Spanish design is key. Additionally, it’s advisable to steer clear of mismatched architectural styles and overuse of bright, bold colors to achieve a more cohesive and genuine Spanish Hacienda aesthetic.”

8. Embrace imperfections while styling your home

In Spanish interior design, there is a celebration of the beauty found in weathered textures and worn surfaces. Instead of striving for flawless perfection, allow imperfections to shine through, telling a story of the passage of time and adding a sense of authenticity.

“Historically, Spanish Haciendas were built using traditional materials such as red clay, stucco, and rustic woods that were both efficient and natural to the environment. The beauty of these homes, particularly in the interiors, comes from their imperfections,” shares Natalie Aldridge, Interior Designer and Contributing Editor for The Glam Pad . 

“Nothing is too precious or too refined. Incorporating a similar mentality when working to achieve this style is essential. A remarkable modern reference to Spanish Hacienda style can be found in the Mediterranean-inspired homes of Palm Beach, designed by the legendary Addison Mizner. Despite being American interpretations of a historic style, they exude incredible elegance and authenticity.”

9. Harmonize earthy colors and natural materials

By thoughtfully blending warm colors and natural materials, you can infuse your space with the distinctive essence of Hacienda design. 

“The foundation of a Spanish Hacienda-style interior lies in its earthy color palette and the use of authentic materials. Begin by selecting warm, earth-toned hues such as terracotta, mustard yellows, or sandy beige for your walls. These colors reflect the sun-soaked landscapes of Spain and create a cozy ambiance. For a more neutral and modern approach, use creamy warm white or sandy beige tones for your walls or cabinets,” recommends Stephanie Georgoulakis, President of Life by Design Interiors.

“To infuse your space with authenticity, incorporate natural and rustic materials throughout. Exposed wooden beams, stone walls, and traditional terracotta tiles serve as distinctive architectural elements. Embrace their raw beauty and allow them to take center stage in your design. Use reclaimed wood for furniture, flooring, or accent pieces to maintain a sense of history and craftsmanship. Pair these materials with wrought iron fixtures and lighting to add a touch of elegance and create a cohesive Spanish Hacienda ambiance.”

Courtesy of Life by Design Interiors

10. Create intimate spaces and embrace textural elements

A comforting atmosphere can be achieved by crafting intimate spaces designed to promote relaxation and ease.

“Spanish hacienda style interiors are known for their cozy and inviting atmosphere. To achieve this, focus on creating intimate spaces that foster relaxation and comfort. Start by incorporating plush seating arrangements with upholstered sofas, armchairs, and ottomans. Layer textiles such as handwoven rugs, and richly textured curtains to add warmth and visual interest,” shares Stephanie.

“These soft and inviting elements create a sense of coziness and relaxation. Pay attention to lighting to enhance the ambiance further. Utilize warm, soft lighting through the use of wall sconces, table lamps, and candles. Consider installing wrought iron chandeliers or pendant lights to add a touch of grandeur and create a romantic atmosphere. To add depth and character to your space, embrace textural accents. Introduce elements like woven baskets, handcrafted pottery, and decorative tilework. These details bring a tactile quality to your interior, emphasizing the Spanish hacienda style’s commitment to craftsmanship and authenticity.”

Courtesy of Life by Design Interiors

Source: redfin.com

Apache is functioning normally

Apache is functioning normally

Tampa, Florida, known as “The Big Guava” to locals, is a historic city in the greater Tampa Bay Metropolitan area, which consists of Tampa, St. Petersburg, and Clearwater. Originally a small town, the cigar industry helped put Tampa on the map. In the past few decades, the area has seen significant growth and has become known for its lovely beaches, rich history, and lively sports scenes. But is Tampa a good place to live? Luckily, we’ve got you covered. 

If you’re looking at homes for sale in Tampa or apartments for rent and are considering making the move, this Redfin article is for you. We’ll dive into 10 pros and cons of living in Tampa to help you decide if the city is right for you. 

5 pros of living in Tampa, FL

There’s a lot to love about living in Tampa, from pristine beaches to lively sporting events. Here are five of the best reasons to make the move. 

1. Affordable cost of living 

The cost of living in Tampa is relatively affordable,especially compared to other cities in Florida. Tampa’s housing costs, in particular, are cheaper than nearby cities and on par with the national average. For example, the median sale price of a house in Tampa is $425,900, compared to $560,000 in Miami and $550,000 in Fort Lauderdale. This helps make Tampa an attractive option for those looking for an affordable place to live in Florida near the coast. 

If you’re looking to rent an apartment in Tampa, the average rent is $1,543 – which is just slightly above the national average. 

2. Weather

Tampa’s climate is subtropical, which means mild, dry winters and hot, humid summers. Daily high temperatures rarely drop below 70 degrees Fahrenheit in the winter or rise above 100 degrees in the summer. If you prefer warm weather and year-round sun, Tampa’s climate will be perfect for you. This is especially true for those seeking refuge from colder northern climates.

3. Outdoor activities

Tampa’s location on the Gulf Coast of Florida means it has numerous beautiful beaches and coastal trails, including Clearwater Beach, Fort de Soto Park, and Archibald Beach Park. It also boasts many state parks and nature reserves, and is only a few hours from Everglades National Park. The bay and nearby rivers also provide ample opportunity for water sports such as boating, kayaking, and fishing.

4. Sports

Tampa is a sports lover’s paradise. It’s home to three major professional sports teams: the Buccaneers in the NFL, the Rays in MLB, and the Lightning in the NHL. Tampa also hosts the Outback Bowl for college football, has numerous golf courses and fishing spots, and is a haven for cyclists and runners looking for flat training days. 

5. Community events

Tampa has a rich culture, making for a wide array of celebrations, events, and community get-togethers. There are dozens of popular annual events, many of which take place in the pleasant winter months. Some notable examples include the Gasparilla Pirate Fest, the Florida State Fair, Tampa Pride, and Winter Village.  

5 cons of living in Tampa, FL

Like with any city, there are downsides of living in Tampa. Here are five to keep in mind. 

1. Hurricanes

As a part of Florida, Tampa is susceptible to hurricanes, which are possible from June through November every year. These natural disasters can cause significant damage to property and disrupt daily life when they hit. If you do move to Tampa, make sure you prepare your home for a hurricane and understand your local building codes, evacuation routes, and emergency procedures. 

2. Heat and humidity

While the warm weather is appealing to many, the intense heat and humidity of the summer months can be a drawback. It’s not uncommon for temperatures to reach into the high 90s with high humidity levels from June through August, with plenty of rainfall as well. 

3. Traffic

As Tampa continues to grow, traffic congestion has become a more significant problem. In fact, it has some of the worst traffic in the US, and in 2022 was the 201st most congested metropolitan area. This is most notable during the morning and evening rush hours, and can add considerable time to commutes.

4. Bugs and wildlife

Florida’s warm and subtropical climate makes it home to a variety of bugs, including mosquitoes, palmetto bugs, and termites, which can wreak havoc on buildings and be an annoyance from day to day. Additionally, Florida is home to numerous unique animals, including the American alligator, Florida panther, and dozens of dangerous aquatic species. 

5. Flat landscape

Tampa, like much of Florida, is very flat. In fact, Florida is the flattest state in the US, with the highest point sitting at just 345 feet above sea level. While this may not be an issue for some, if you enjoy hiking, mountain biking, and other mountainous outdoor activities, you will likely be disappointed. 

The bottom line: Is Tampa a good place to live? 

Living in Tampa has its share of pros and cons. The city offers an affordable cost of living, a vibrant cultural scene, along with pleasant weather and more. However, take into account factors like high humidity, hurricanes, flooding, and traffic congestion. In the end, the decision to call Tampa home depends on what matters to you.

Source: redfin.com

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From Q1 2023 to Q2 2023, the top five cities for New Western investors were Boston, MA (88% growth), Washington, D.C. (50%), Charlotte, NC (49%), Jacksonville, FL (48%) and Houston, TX (46%). Other notable markets that grew in the same period included popular Sunbelt investor havens Atlanta and Dallas.

New Western investor activity grew across these markets even though a recent Redfin report showed a 40% decrease in investor purchases. This illustrates how investors are determined to find opportunities despite negative market sentiment, New Western concluded. Approximately 55% of survey respondents said location/neighborhood is most important to their buyers. On average, homes purchased through New Western and later renovated sell for 31% less than new traditional homes for sale in the same market.

Independent rehabbers, according to the report, are stepping in to address “scalability” challenges and fill the gaps in individual markets, driven by demand. 

“Clearly, the survey shows that the housing dynamics have changed in the mind of some investors,” said Logan Mohtashami, Lead Analyst at HousingWire. “New listing data is trending at all-time lows; active inventory growth has been so slow in 2023 that we will see some negative year-over-year prints soon in the weekly inventory data. Also, housing demand stabilized from its waterfall collapse in 2022. In this environment, the opportunity to fill in the need due to the housing shortage is being tackled by investors. Also, this is all happening with higher rates; if rates fall in this environment, demand has nowhere to go but up from such low levels.”

For the remainder of 2023, investors are confident in the residential real estate market; about 70% of respondents plan to invest in one to three properties and 75% saw business growth from the second half of 2022 to date.

A little over 70% of respondents invest in the Southwest and Southeast regions of the U.S. Additionally, roughly 45% of respondents fund their investments through hard money or investment financing and about 30% through cash. 

Source: housingwire.com

Apache is functioning normally

Apache is functioning normally

Today we’ll take a close look at “Castle & Cooke Mortgage,” an independent mortgage lender with a sizable presence in the Southwestern United States.

They’re a retail, direct-to-consumer lender that has been around for about 15 years, yet they still mustered nearly $1.5 billion in total production last year.

The company is located just south of Salt Lake City in Draper, Utah, the state where they do most of their business.

They’re also quite active in nearby Nevada, so if you live in either state, you may have come across them. Let’s learn more.

Castle & Cooke Mortgage Fast Facts

  • Retail direct-to-consumer mortgage lender
  • Founded in 2005, headquartered in Draper, Utah
  • Offers home purchase financing and refinance loans
  • Funded nearly $1.5 billion in home loans during 2019
  • Licensed in 37 states and the District of Columbia
  • Most of their volume came from the states of Utah and Nevada

As noted, they’re quite active in the Southwestern United States, namely in Utah and Nevada. They also did a large amount of lending in Arizona, California, and Texas.

However, they are licensed in 37 states and the District of Columbia, so you can work with them if you live in most states nationwide.

At the moment, Castle & Cooke Mortgage is licensed in the following states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MO, MS, NE, NV, NM, NC, ND, OH, OK, OR, RI, SC, TN, TX, UT, WA, WI and WY.

They also have physical branches in Arizona, California, Colorado, Florida, Hawaii, Idaho, Iowa, Nebraska, Nevada, New Mexico, Tennessee, Texas, and Utah.

Last year, they did about $1.3 billion in total loan origination volume, with about two-thirds of that home purchase lending. The rest was made up of mortgage refinances.

About half of their volume consisted of conventional loans, with another third FHA loans and the rest mixed between jumbo loans, VA loans, USDA loans, and so forth.

How to Apply for a Home Loan with Castle & Cooke Mortgage

  • You can apply directly from their website or free smartphone app
  • Get started by browsing the loan officer directory on their website
  • Or you can call/visit a brick-and-mortar branch if one is located near you
  • They offer a digital home loan process from start to finish

You can apply for a home loan directly from the Castle & Cooke Mortgage website, or download their free smartphone app and get started that way as well.

First, use the branch directory on their website to find the one nearest you, then click on “Loan Officers” to see who works there.

You can read their bios, or alternatively just choose one if you’ve been referred or know who you’d like to work with.

Once on a loan officer’s personal webpage, you’ll be able to start the mortgage application or pre-qualification process.

They offer a digital mortgage loan process that allows you to complete most paperwork electronically, including the ability to eSign documents.

You can also scan and upload paperwork, link financial accounts, and receive updates as you go. whenever you need help, there’s an option to message your loan officer instantly.

Simply put, they make it easy to apply and track loan progress along the way, from start to finish.

Loan Types Offered by Castle & Cooke Mortgage

  • Home purchase financing, refinance loans, and renovation loans
  • Conventional loans backed by Fannie Mae and Freddie Mac
  • Government-backed home loans: FHA, USDA, and VA
  • Jumbo home loans up to $3 million loan amounts
  • Mortgages for self-employed borrowers
  • First-time home buyer programs and down payment assistance
  • HUD Good Neighbor Next Door (GNND) program
  • Condotel loans and other niche products available
  • Fixed-rate and adjustable-rate mortgage options
  • Available on primary, secondary homes, and investment properties

Castle & Cooke Mortgage Rates

You won’t find mortgage rates listed on the Castle & Cooke Mortgage website. This doesn’t mean they’re good, bad, or just plain average.

Many lenders choose not to publicize their mortgage rates for one reason or another, and Castle & Cooke Mortgage is one of those lenders.

So in order to get pricing and compare rates, you’ll need to get in touch with a loan officer first.

The same is true of their lender fees, which they don’t seem to disclose on their website.

If and when you obtain pricing, be sure to inquire about any fees they charge, such as an application fee or loan origination fee.

Also take the time to compare their rates and fees to other lenders to see where they stand. While pricing isn’t everything, it’s certainly a deciding factor for many homeowners.

Castle & Cooke Mortgage Reviews

On SocialSurvey, they have a 4.93 rating out of 5 based on more than 8,000 reviews from past customers. That’s an excellent rating, especially given the number of reviews.

Over at Zillow, they have a 4.98-star rating out of 5 based on nearly 300 customer reviews. That’s near perfection and a truly impressive rating.

You can also see individual loan officer reviews both on the Castle & Cooke website (on each loan officer’s webpage) and on Zillow. Be sure to fine-tune to if you want to work with the

One slight negative is the fact that they have a ‘C’ rating with the Better Business Bureau at the moment, which is based on complaint history. Hopefully that improves soon.

They also aren’t accredited with the BBB, not that it equates to a company being good or bad necessarily.

In summary, Castle & Cooke offers a good mix of home loan programs and a variety of convenient ways to apply for a mortgage.

That, coupled with their excellent customer reviews, could make them a good choice for your mortgage needs if offered in your state.

Castle & Cooke Mortgage Pros and Cons

The Pros

  • Can apply for a mortgage directly from their website
  • Also have brick-and-mortar branches in 13 states
  • Lots of loan programs to choose from including jumbos
  • Excellent customer reviews
  • Free smartphone mortgage app
  • Free mortgage calculators and mortgage glossary on-site

The Cons

  • Not licensed in all states
  • Do not disclose mortgage rates or lender fees on website
  • Currently have a ‘C’ rating with the BBB
  • May transfer your mortgage to a third-party loan servicer

(photo: James Petts)

Source: thetruthaboutmortgage.com

Apache is functioning normally

Apache is functioning normally

Luxury homes are often called dream homes for a reason. They come with lavish features such as expansive floor plans, state-of-the-art appliances, and perfectly manicured gardens. In the competitive Orlando housing market, staying ahead of the curve is essential to maximize the value and desirability of your property. Popular home features for luxury listings in Orlando encompass a wide range of benefits, from enhanced functionality to aesthetic appeal.

If you’re looking to sell your Orlando home in the near future, investing in the right luxury features can increase your home’s equity and make it more attractive to potential buyers that are willing to pay top-dollar. Or, if you’re a potential buyer and want to know what luxury features to expect in Orlando, you’ll be able to make informed decisions and navigate the Orlando housing market with confidence. 

Read on to discover the home features that set a luxury home apart from the rest. So, what features are most important to today’s home buyers? Let’s find out. 

1. Spacious rooms that leave a lasting impression

When it comes to luxury homes, you can expect the wow factor to kick in right from the moment you step inside. The entryway is oftentimes grand, setting the stage for the entire property and the tone for what’s to come. You’ll find spacious rooms with high ceilings that create a sense of spaciousness and airiness. Exquisite architectural details add to the overall appeal, complemented by intricate moldings, recessed lighting, and carefully designed shelves.

2. Natural lighting for a brighter floor plan

One thing that luxury homeowners in Orlando truly value is natural light. It creates a seamless connection with the outdoors and enhances the overall ambiance. That’s why you’ll often find larger glass windows and doors in these homes, allowing an abundance of sunlight to flood the living spaces and providing breathtaking views of the surrounding environment. It’s all about embracing the beauty of nature and bringing it indoors.

3. Exquisite outdoor living spaces to relax and entertain

Unsurprisingly, one of the best things about living in Orlando is the natural beauty and warm climate. Orlando’s luxury homes benefit from their prime locations, often situated on coastlines, lakes, and springs, and provide the perfect backdrop for creating exceptional outdoor living spaces. Seamless integration between indoor and outdoor living is what sets luxury homes apart and elevates the overall living experience.

Additionally, the centerpiece of these outdoor spaces is often the luxurious, high-end pool and spa. Whether you’re lounging poolside under the warm Florida sun or unwinding in the bubbling waters of the spa, the outdoor living experience is truly unparalleled.

As a result, outdoor spaces have emerged as the most popular luxury home feature among potential homebuyers for Redfin Premier listings. The popularity of outdoor living is rapidly growing, with a particular focus on outdoor kitchens. These expansive culinary havens boast top-of-the-line appliances, ample seating areas, and meticulous attention to detail. As the demand for outdoor living continues to rise, incorporating well-designed outdoor kitchens has become a key selling point for luxury properties.

4. High-end kitchens to elevate your culinary experience

Spacious kitchens are highly valued in Orlando, with high-end finishes like marble or quartz countertops, top-of-the-line appliances, and fixtures, creating a beautiful and functional space. A butler’s pantry or extra storage options add convenience and organization to the space. 

5. Luxury bathrooms for a spa-like retreat

In luxury bathrooms, elaborate glass showers or open areas near soaking tubs provide a spa-like experience. High-end fixtures, carefully curated lighting, and privacy windows strike a balance between elegance and practicality. These features set high-end homes apart from their non-luxury counterparts, offering refined spaces that combine opulence, style, and functionality.

6. Specialized spaces tailored to your every need

Luxury homes now prioritize designated spaces for specific purposes, such as home offices, media rooms, and home gyms. While open living areas for gatherings remain desirable, including these specialized spaces adds functionality and convenience. Dedicated spaces are even more appealing when they come fully equipped for their intended use, enhancing both functionality and comfort. 

For instance, a home office may feature built-in custom cabinetry, providing a practical and organized workspace. Media rooms are designed with comfortable seating and top-notch equipment, creating an immersive entertainment experience. 

These dedicated spaces allow homeowners to have dedicated areas for work, leisure, and wellness, enhancing the overall lifestyle and enjoyment of the home.

7. Smart home technology is the ultimate convenience

Technology translates to convenience, and the integration of advanced automation systems offers homeowners a seamless living experience, elevating their lifestyle to new heights. With smart technology, homeowners can remotely manage and monitor various aspects of their homes, including door locks, garage doors, security cameras, and temperature control. This level of connectivity and automation enhances security, energy efficiency, and overall comfort.

Looking to buy a luxury home in Orlando?

If you’re in the market to buy a luxury home in Orlando, be sure to check out Winter Park, Lake Hart, Bay Hill, and Windermere  – these are all prominent neighborhoods in the market known for their luxury homes. Winter Park, in particular, continues to see ongoing construction and is highly regarded for its upscale properties. 

Looking to sell a luxury home in Orlando?

Selling a luxury home requires a specialized approach. From pricing to marketing, every aspect must cater to buyers with high expectations. As you move up the price range, strategic decisions become crucial to attract potential homebuyers.

A skilled real estate agent understands the unique demands of luxury buyers and can effectively communicate the value of your property. They possess the necessary insights to position your home in the market, target the right audience, and negotiate favorable deals.

There are several features and amenities that can elevate a Redfin Premier listing and make it stand out from others. One effective strategy for luxury homes in Orlando is to highlight outdoor photos and drone footage, particularly for waterfront homes. 

In a recent Redfin Premier listing, unique home features that served as key selling points were the private pool and additional garage space. Several buyers who were relocating to Florida expressed a strong preference for homes that offered these amenities. The private pool provided a luxurious and refreshing oasis for relaxation and entertainment. At the same time, the extra garage space offered ample storage and flexibility for car enthusiasts or those needing additional workspace. Including these sought-after features significantly attracted and appealed to potential buyers, ultimately contributing to the successful sale of the property. Remember, your home’s unique and high-value features are your main selling points.

A final note on luxury homes features in Orlando 

The luxury real estate market in Orlando, FL offers a wealth of opportunities for both buyers and sellers. As buyers search for their dream home, it’s important to be aware of the luxury features that Orlando has to offer, including waterfront properties, expansive outdoor living spaces, smart home technology, and breathtaking views. On the other hand, it’s essential for sellers to leverage these features and showcase their homes’ high-end features to capture the attention of potential buyers. Be sure to work with an experienced local real estate professional to help navigate Orlando’s luxury real estate market successfully. 

Source: redfin.com

Apache is functioning normally

Apache is functioning normally

Florida, the Sunshine State, is known for many things, but most people know it for its sunny beaches. With magnificent waves and sandy coves, surfing and boating, fishing and sightseeing, these scenic Florida beach towns are some of the best you’ll find. Whether you’re looking to relocate to Florida or are one of the many Floridians looking for a beachside property, you have plenty of towns to choose from.

But if you’re not sure where to start on your hunt for the best Florida beach town, we’re here to help. To help you find the right coastal area, Redfin has put together a list of 11 best beach towns in Florida from Destin to Naples. Let’s dive into some of Florida’s top beach cities, listed in alphabetical order, so you can find the right place for you.

#1: Captiva Island

Median home price: $789,000 
Captiva Island, FL homes for sale
Captiva Island, FL apartments for rent

First up on our list is Captiva Island, which only has about 170 residents. This tiny island has plenty of beaches to explore such as Captiva Beach and Turner Beach. If you’re considering moving to this beach town, make sure to take a boat cruise or fishing charter out on the water for a day of exploring.

#2: Cocoa Beach

Median home price: $400,000 
Cocoa Beach, FL homes for sale
Cocoa Beach, FL apartments for rent

Another one of Florida’s great coastal towns to consider buying a home in is Cocoa Beach, home to 11,300 people. There are plenty of beaches to visit, like Cocoa Beach, 4th St. S. Beach, S 6th St. Beach, and S 8th St. Beach. Make sure to check out one of the many beachfront restaurants, take a bioluminescence tour, or rent a boat with friends.

#3: Delray Beach

Median home price: $455,000 
Delray Beach, FL homes for sale
Delray Beach, FL apartments for rent

Delray Beach is home to about 66,600 residents. There are plenty of beaches to explore on a warm Florida day – Anchor Park, Atlantic Dunes Park, and Delray Beach. Make sure to check out a beachfront park, golf at one of the many courses, or grab a bite at a local restaurant if you move to Delray Beach. 

#4: Destin

Median home price: $580,750 
Destin, FL homes for sale
Destin, FL apartments for rent

Home to beautiful beaches like Crab Island, Henderson Beach State Park, James Lee Beach, and Norriego Point, there are countless places to spend a beach day in Destin. A popular spot for vacations, there are only about 14,000 permanent residents in Destin. Other than a beach day, you can visit the Destin History & Fishing Museum, golf at one of the courses, or have a meal at an oceanfront restaurant.

#5: Fernandina Beach

Median home price: $675,500 
Fernandina Beach, FL homes for sale
Fernandina Beach, FL apartments for rent

The charming coastal town of Fernandina Beach has about 13,200 residents, making it another great option to consider. You’ll find stunning beaches such as Main Beach Park, Seaside Park, and Peter’s Point Beach Park. Living in Fernandina Beach, you can hike along Egan’s Creek Greenway Trail, visit the Amelia Island Lighthouse, and explore Fort Clinch State Park if you’re looking to take in some of the natural sights.

#6: Key West

Median home price: $1,424,700 
Key West, FL homes for sale
Key West, FL apartments for rent

Key West has about 26,500 residents and is a great beach town to consider renting or buying a house in. Some beaches you can visit include Fort Zachary Taylor Historic State Park Beach, Higgs Beach, Rest Beach, and Smathers Beach. Make sure to have some authentic key lime pie, stop by the Southernmost Point of the Continental US, visit one of many museums, or take a seaplane while in Key West.

#7: Lauderdale-by-the-Sea

Median home price: $680,000 
Lauderdale-by-the-Sea, FL homes for sale
Lauderdale-by-the-Sea, FL apartments for rent

With a population of close to 6,100, Lauderdale-by-the-Sea is a charming coastal area to live in. There are plenty of beaches to explore, specifically Lauderdale-by-the-Sea Beach. If you’re going to call this area home, plan time to check out the local cafes and restaurants and visit the Turtle Nesting Area.

#8: Naples

Median home price: $720,000 
Average rent for a one-bedroom apartment: $1,962 
Naples, FL homes for sale
Naples, FL apartments for rent

Naples has stunning beaches such as Lowdermilk Beach, Naples Beach, Park Shore Beach Park, Port Royal “Last Chance” Beach, and Via Miramar Beach, great for enjoying a sunny Florida day. If you decide to move to Naples you’ll want to explore the shops in downtown Naples, and visit the Conservancy of Southwest Florida, among many other local favorites.

#9: Siesta Key

Median home price: $880,500 
Siesta Key, FL homes for sale
Siesta Key, FL apartments for rent

Just about 5,600 people live in this city where you’ll find beaches like Crescent Beach, Sarasota Beach, and Siesta Key Beach. Other popular things to do in Siesta Key include stopping by one of the many waterfront restaurants.

#10: St. Petersburg

Median home price: $418,000 
Average rent for a one-bedroom apartment: $2,103 
St. Petersburg, FL homes for sale
St. Petersburg, FL apartments for rent

This seaside town has a population of 258,200 and there are numerous beaches to enjoy a picnic at. In St. Petersburg, you can visit Gandy Beach, North Beach, Playa Saint Petersburg, Spa Beach, St. Pete Beach, and Upham Beach Park. There’s plenty to do on an afternoon or weekend, like exploring the Boyd Hill Nature Preserve, checking out one of the many museums, and strolling along St. Pete Pier.

#11: Vero Beach

Median home price: $356,250 
Vero Beach, FL homes for sale
Vero Beach, FL apartments for rent

To close out our list is Vero Beach. There are lots of waterfront spots you’ll want to spend time at if you decide to move to this cozy beachfront paradise. Some of the popular beaches include Sexton Plaza Beach, South Beach Park, Wabasso Beach Park, and Vero Beach. This town is home to 16,700 people, and you’ll find countless other activities to do, such as visiting the Vero Beach Museum of Art, checking out one of the waterfront parks, and seeing a show at Riverside Theatre.

Note, this list is not comprehensive of all the beach towns in Florida. Median home sale price data from the Redfin Data Center during June 2023. Average rental data from Rent.com June 2023. Population data sourced from the United States Census Bureau.

Source: redfin.com

Apache is functioning normally

Apache is functioning normally

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.

8. Boston-Cambridge-Newton, Massachusetts/New Hampshire

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.

Source: rent.com

Apache is functioning normally

Apache is functioning normally

Sustainable living has become an increasingly important focus in today’s world, with individuals and communities alike seeking ways to reduce their carbon footprints. When it comes to building or renovating homes, sustainable practices and energy-efficient design have taken center stage. In response to this growth, several organizations offer certification programs to measure sustainability and push people to achieve more. But with numerous certifications and standards available, navigating the realm of sustainable building can be overwhelming.

Luckily, this Redfin article has everything you need to know. Learn what these programs are all about, and which one is right for your home. Whether you live in a house in Wilmington, NC, or are building a new home in Tampa, FL, read on to learn about the different certifications and requirements, so you can make informed decisions and choose the right path towards a greener home. 

LEED (Leadership in Energy and Environmental Design)

  • Focus areas: Whole building efficiency, including water, energy, materials, and air quality.
  • Property types: Commercial, residential, and public properties, and communities and cities. 
  • Benefits for homeowners: Pairs well with other certification programs and has a wide range of certification levels. 
  • Downsides: May not go far enough to reduce your carbon footprint.
  • Cost: $225 + additional fees. Pricing is reduced for members.

Established by the U.S. Green Building Council (USGBC) in 1993, LEED is arguably the most widely recognized green building certification system. LEED provides a framework for healthy, highly efficient, and cost-saving green buildings. It offers certification across a spectrum of building types and focuses on several key areas: sustainable sites, water efficiency, energy and atmosphere, materials and resources, indoor environmental quality, innovation, and regional priority. 

The four LEED certification levels include Certified, Silver, Gold, and Platinum, which correspond to the number of points a project earns across these categories. Buildings receive annual audits to ensure they continue meeting necessary standards.

For more details, read our definitive guide: What Is LEED Certification? Tips for Homeowners

ENERGY STAR

  • Focus areas: Energy efficiency.
  • Property types: Products; commercial, residential, and public properties. 
  • Benefits for homeowners: ENERGY STAR buildings require 15% less energy than standard buildings, meaning you’ll save money over the long run. 
  • Downsides: ENERGY STAR is a fairly basic certification that only applies to energy use. This is best paired with other certifications.
  • Cost: $0-$1,500

The ENERGY STAR certification is a joint program of the U.S. Environmental Protection Agency (EPA) and the U.S. Department of Energy. It aims to help businesses and individuals save money and protect the environment through superior energy efficiency. Most people associate ENERGY STAR with efficient appliances, but it also applies to buildings and houses.

Buildings that earn the ENERGY STAR label have to meet strict guidelines for energy efficiency, typically making them at least 15% more energy-efficient than standard buildings. Apart from energy efficiency, ENERGY STAR also provides tools and resources for improving water efficiency. 

For more details, read our definitive guide: ENERGY STAR Certification: What Homeowners Need to Know

Living Building Challenge

  • Focus areas: Complete building and property sustainability and regeneration. 
  • Property types: Commercial, residential, and public buildings and properties, and neighborhoods and cities. 
  • Benefits for homeowners: The LBC provides the most comprehensive certification, so you can be confident your home is actively restoring the environment. Living Building Certification also applies to an entire property, while most others only apply to just the building. 
  • Downsides: It is extremely difficult and time-consuming to fulfill every requirement, and can be expensive. 
  • Cost: $50-$250

The Living Building Challenge (LBC), administered by the International Living Future Institute, is likely the most rigorous and comprehensive green building certification in the world. It uses a regenerative design framework that requires projects to operate positively instead of just passively. 

The LBC comprises seven performance categories, or “Petals”: Place, Water, Energy, Health & Happiness, Materials, Equity, and Beauty. To be certified, a project must meet a series of ambitious performance requirements over a minimum of twelve months of continuous occupancy. Because of its difficulty, only four residential properties have received full certification. However, the LBC offers other certifications, including Petal certification and net-zero building certification.

For more details, read our definitive guide: Living Building Challenge Certification for Homeowners: Pros and Cons

BREEAM (Building Research Establishment Environmental Assessment Method)

  • Focus areas: Whole property sustainability, including where materials come from and how much your home contributes to pollution. 
  • Property types: Commercial, residential, and public buildings and properties. 
  • Benefits for homeowners: Accessible worldwide.
  • Downsides: Not as comprehensive or flexible as some other programs.
  • Cost: Depends on the size and scope of the project. Assessors are also paid separately. 

Established in the UK in 1990, BREEAM is the world’s longest-running method of assessing, rating, and certifying buildings. BREEAM encourages designers, clients, and others to think about low-carbon and low-impact design, minimizing the energy demands created by a building before considering energy efficiency and low carbon technologies. BREEAM is comprehensive and also focuses on where products come from and who makes them.

Earth Advantage

  • Focus areas: Residential and low-income homes, and providing green home data for the general public through the Green Building Registry. 
  • Property types: Residential buildings. 
  • Benefits for homeowners: Extremely affordable and promotes sustainability in low-income developments. 
  • Downsides: Not as comprehensive as other certifications.
  • Cost: $0

The Earth Advantage Certification focuses on promoting sustainable building practices that improve the environment and society by creating better model codes, building standards, and certification systems. It certifies residential buildings, including single-family and multifamily, using different rating systems for both. Earth Advantage can also certify projects for LEED.

In general, Earth Advantage buildings are healthier, more energy-efficient, and offer a lower cost of ownership over the lifetime of the building. To receive certification, a home must meet stringent criteria across five categories: energy, health, land, materials, and water. 

SITES (The Sustainable Sites Initiative)

  • Focus areas: Planning, design, construction, and management of landscapes and other outdoor spaces. SITES does not verify buildings except in specific circumstances.
  • Property types: Commercial, residential, and public outdoor spaces. 
  • Benefits for homeowners: Promotes sustainable landscaping and healthy outdoor living. 
  • Downsides: Expensive and only applies to landscaping and outdoor areas. Best for large properties or paired with other certifications. 
  • Cost: $6,500-$9,500 (less expensive for members).

SITES is a sustainability-focused framework that ushers landscape architects, engineers, and others toward practices that protect ecosystems and enhance the benefits of ecosystem services. Landscape architects, designers, engineers, architects, developers, policy-makers, and others use SITES to align land development and management with innovative sustainable design.

SITES also partners with LEED to create complementary rating systems that you can use independently or in tandem. LEED applies to your project building and the site it is located on, and SITES applies to everything on your site, except your building (with a few exceptions). 

WELL Building Standard

  • Focus areas: Relationship between sustainability and human health, primarily in new construction.
  • Property types: Primarily commercial new construction, but offers residential as well.
  • Benefits for homeowners: WELL buildings are healthier for you and your family than many other certifications.
  • Downsides: It can be time-consuming or prohibitively expensive to incorporate WELL standards into an older building. 
  • Cost: $2,500 for registration + $0.16 per square foot of property.

The WELL Building Standard, founded by the International WELL Building Institute, focuses on building features that affect people’s health and well-being. Areas of concern include air, water, nourishment, light, movement, thermal comfort, sound, materials, mind, community, and innovation. The WELL Building Standard is the first standard to integrate human health and wellness into building certification.

WELL also partners with LEED to create a streamlined process for getting dual certification. 

Passive House (Passivhaus)

  • Focus areas: Reducing energy use in buildings.
  • Property types: Commercial, residential, and public.
  • Benefits for homeowners: Significantly reduced energy bills and comfortable indoor temperatures year-round. 
  • Downsides: Focuses entirely on energy use and is extremely rigid.
  • Cost: Determined by the examiner and varies widely depending on the square footage of the building. 

The Passive House Institute (PHI) based in Germany developed this certification system. Buildings that are certified as a Passive House must meet strict energy usage requirements, focusing on high-level thermal insulation, stringent airtightness, and maximum energy gains from the sun. The result is a building that uses significantly less energy for heating and cooling than traditional buildings, often reducing the energy needed by up to 90%.

Final thoughts

There are hundreds of other certification programs that focus on specific aspects of a building, such as water management and light pollution. Some are also catered to specific regions. If you’re looking to certify your home, do your research and establish a budget for membership, applications, and certifications, as well as design, planning, and maintenance. Additionally, you can hire a 3rd-party to certify your home, although that may cost more. 

Working towards a certified sustainable home is important and beneficial, but it can be cost-prohibitive. If you don’t have the budget for certification, read about a program’s requirements and try to incorporate them into your project; you don’t need to certify your home to make it more sustainable or even regenerative. No matter what you choose, incorporating sustainable practices into your lifestyle can help reduce your carbon footprint and contribute to a greener future.

Source: redfin.com