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Imagine living in a neighborhood where everything you need is just a short walk away. For renters in Orlando, this isn’t just a dream, it’s a reality. Rentals may be a bit expensive, though, with the average one-bedroom apartment costing $1,755.

In this ApartmentGuide article, we’re taking you on a virtual tour of the most walkable neighborhoods in Orlando. Get ready to discover the charm and convenience these neighborhoods offer to those who prefer to navigate their day on foot.

All data sourced March 2024.

1. South Eola

Walk Score: 91

South Eola is the most walkable neighborhood in Orlando, with a Walk Score of 91. Known for its beautiful lake views and charming streets, residents and visitors alike can explore the area and take advantage of its walkable layout. Notable attractions include the Eola Wine Company and Lake Eola Park.

Search for South Eola apartments for rent.

2. Central Business District

Walk Score: 85

Adjacent to South Eola, the Central Business District has a Walk Score of 85, making it the second most walkable neighborhood in Orlando. There’s a lot to love about the area, from its bustling business scene to its lively nightlife. While you’re walking around the neighborhood, check out the Dr. Phillips Center for the Performing Arts and the Orlando Public Library.

See Central Business District apartments for rent.

3. Lake Eola Heights

Walk Score: 85

Lake Eola Heights is the third most walkable neighborhood in Orlando. There are numerous walkable areas and attractions throughout this historic neighborhood, like the Downtown Orlando YMCA Family Center and the Orlando Farmers Market. And if you’re in the mood for an adventure, you’re not far from Dickson Azalea Park.

Find Lake Eola Heights apartments for rent.

4. Park Lake-Highland

Walk Score: 84

Park Lake-Highland has plenty of amenities a resident might need within walking distance. From the Orlando Science Center to the Orlando Museum of Art, you’re sure to find something to love. A notable amenity is the Leu Gardens, which is a great spot for locals and visitors alike.

Browse Park Lake-Highland apartments for rent.

5. Colonialtown South

Walk Score: 84

As the fifth most walkable neighborhood in Orlando, Colonialtown South is known for its unique shops and local eateries. Consider exploring the East End Market or getting a bite to eat at Black Rooster Taqueria with friends. There are plenty of other amenities in this lively community as well, like the Colonial Plaza Mall and the Orlando Fashion Square.

Discover Colonialtown South apartments for rent.

6. Thornton Park

Walk Score: 83

Thornton Park has a Walk Score of 83, making it the sixth most walkable neighborhood in Orlando. Known for its brick streets and colorful bungalows, residents and visitors can choose from walkable amenities such as the Greenwood Urban Wetlands and Lake Underhill Park. While you’re out, check out the Lake Lawsona Historic District.

Look for Thornton Park apartments for rent.

7. Colonialtown North

Walk Score: 77

Colonialtown North is the seventh most walkable neighborhood in Orlando. This bustling community has quite a few hotspots for residents to visit on foot, including the Mills 50 District and the Quantum Leap Winery. While you’re walking, take a moment to smell the flowers at the Harry P. Leu Gardens.

Search for Colonialtown North apartments for rent.

8. East Central Park

Walk Score: 73

East Central Park has a Walk Score of 73, making it the eighth most walkable neighborhood in Orlando. There’s a lot to love about the area, from grabbing a bite to eat at nearby Tako Cheena, to taking a walk at Festival Park. If you’re up for a longer outing, nearby Demetree Park is popular among locals.

Find East Central Park apartments for rent.

9. Holden-Parramore

Walk Score: 72

The ninth most walkable neighborhood in Orlando is Holden-Parramore. Home to the University of Central Florida’s Downtown campus, Pedestrians can enjoy the variety of restaurants, cafes, and shops, like the Amway Center, Exploria Stadium, and Orange Blossom Trail. It’s also easy to walk over to the Camping World Stadium for a great day out.

Peruse Holden-Parramore apartments for rent.

10. Callahan

Walk Score: 72

Callahan is the tenth most walkable neighborhood in Orlando. Local attractions here include the Orange County Library and the CityArts Factory, providing residents a spot to get together and enjoy their community.

Discover Callahan apartments for rent.

Check out more walkable cities in Florida.

Methodology: Walk Score, a Redfin company, helps people find walkable, bikeable, and transit-friendly places to live, rating areas on a scale from 0-100. To calculate a Walk Score for a given point, Walk Score analyzes thousands of walking routes to nearby amenities, population density, and metrics such as block length and intersection density. Points are awarded based on the distance to amenities in each category.

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Picture this: You wake up in the morning, filled with energy and excitement for the day ahead. But as you open your closet door, instead of being greeted by a neatly organized array of clothing, you’re met with a chaotic jumble of garments piled haphazardly on top of each other. Sound familiar? If so, you’re not alone. 

Many of us – from Miami, FL to Seattle, WA and anywhere in between – struggle with closet clutter, but fear not – organizing and simplifying your closet is easier than you think. In this guide, ApartmentGuide explores some expert tips and tricks for maximizing your closet space, streamlining your style, and simplifying your life in the process.

1. Declutter like a pro

The first step in maximizing your closet space is to declutter your space ruthlessly. Set aside some time to go through each item in your wardrobe and ask yourself: Do I love it? Do I wear it? If the answer is no, it’s time to say goodbye. Donate or sell items that no longer serve you, and watch as your closet breathes a sigh of relief.

Brenda Scott, professional home organizer and owner of Tidy My Space, weighs in on this topic. “Start by sorting through your outgoing seasonal items and weed out anything you didn’t wear or use; chances are you won’t next time either. Then, inspect all incoming spring items. Do they still fit well and make you feel confident? If not, consider selling or donating them, as others may be looking for new spring pieces.”

2. Start fresh

According to personal stylist Deni Kiro, spring is the perfect time to revitalize your wardrobe and embrace new trends. “Start by reviewing the latest fashion trends and selecting ones that resonate with your personal style. Decluttering your closet is essential for rediscovering forgotten treasures and making space for new additions. 

Consider refreshing old pieces with tailoring to breathe new life into your wardrobe sustainably. As you cleanse your closet, focus on identifying your favorite pieces and exploring fresh styling ideas. Take inspiration from fashion runways to discover innovative ways to combine colors and styles, igniting your creativity for the season ahead.”

3. Invest in smart storage solutions

“I firmly believe that spring presents the ideal opportunity to organize and declutter home wardrobe closets,” asserts Lisa Ann S. Santin, proprietor of LASS Wardrobe. “As we transition between seasons, decluttering our spring and summer closets and adopting a highly organized approach sets the stage for seamlessly integrating seasonal trends while also revitalizing forgotten pieces.”

Once you’ve cleared out the clutter, it’s time to invest in some smart storage solutions to make the most of your closet space. Consider adding shelves, drawers, or cubbies to maximize vertical storage. Utilize hanging organizers for shoes, bags, and accessories, and invest in slimline hangers to save space and keep your clothes wrinkle-free.

4. Get creative with clothing arrangement

Think outside the box when it comes to arranging your clothing. Rather than exclusively hanging garments, try folding bulkier items such as sweaters and jeans to maximize hanging space availability. Employ dividers or bins to categorize various types of clothing, facilitating quick and easy access to your wardrobe essentials. Additionally, make the most of the available space by utilizing the back of the door for supplementary storage options. Consider installing an over-the-door shoe organizer or hooks to optimize storage capacity, especially in compact or limited spaces.

5. Incorporate a seasonal rotation

With spring approaching, now is the perfect time to freshen up and organize your home,” advises Efa, professional organizer and founder of Neat It. “Begin by sorting through your summer wardrobe. If you find items that no longer fit or are worn out, consider parting ways with them. Clearing out unnecessary belongings not only creates space but also contributes to a renewed and orderly living environment, promoting a sense of well-being and anticipation for the season ahead.”

To prevent your closet from becoming overcrowded, consider implementing a seasonal rotation system. Store off-season clothing in bins or under-bed storage containers, and swap them out as the seasons change. Not only will this free up space in your closet, but it will also make getting dressed each morning a breeze.

6. Maximize every inch

Finally, don’t overlook any potential storage opportunities in your closet. Take advantage of high shelves for storing out-of-season items or infrequently used items like luggage or keepsakes. Make use of the floor space for shoe racks or storage bins, and don’t forget to utilize the space above the closet door for additional shelving or hanging space.

“Store your winter garments at the top or towards the back of your closet, or even pack them away if possible,” suggests stylist Suzie Gaffney. “Keep your spring and summer attire visible and within easy reach. Consider arranging your clothing by color to give your wardrobe a fresh perspective and ensure organization by grouping similar types of clothing together within each color category, such as white tanks followed by white short sleeves and then white long sleeves. This color-based system facilitates quick and efficient access to your wardrobe essentials.”

Maximizing your closet space this spring

With these straightforward strategies, you can turn your chaotic closet into a well-ordered space you’ll love. With just a bit of time and creativity, you’ll maximize your closet’s potential and make getting dressed each day a pleasure. So, roll up your sleeves, gather your bins and hangers, and get ready to conquer your closet clutter once and for all.

Source: apartmentguide.com

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Non-QM, RE Agent Monitoring, Mandatory Sales Products; The White House and Closing Costs; Webinars and Training

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Non-QM, RE Agent Monitoring, Mandatory Sales Products; The White House and Closing Costs; Webinars and Training

By:
Rob Chrisman

Fri, Mar 8 2024, 10:40 AM

“Horses have lower divorce rates. It’s because they are in stable relationships.” Here on the Central Coast of California, there are plenty of horses but few disasters, wars, or big insurance claims. But in Ukraine there have been 566,000 property damage reports, and the government has launched eRecovery, an app based on the government’s digital platform Diia that may provide a template for future recovery efforts worldwide. It has already processed 83,000 compensation claims for damaged or destroyed property and has paid out over 45,000 claims, with 566,000 property damage reports filed through December. Volume isn’t a disaster for lenders, but it isn’t stellar either, and today’s TMC Rundown features Femi Ayi, VP Branching Operations at Revolution Mortgage, discusses using technology to make some tough choices. Curinos tells us that February 2024 funded mortgage volume increased 5 percent YoY and increased 14 percent MoM. The average 30-year conforming retail funded rate in February 2024 was 6.79, a shade lower than January but 62 basis points higher than the same month last year. (Found here, this week’s podcast is sponsored by Richey May, a recognized leader in providing specialized advisory, audit, tax, technology and other services to the mortgage industry for almost four decades. Hear an interview with the STRATMOR Group’s Jim Cameron on Maslow’s hierarchy of needs as it pertains to mortgage companies.)

Lender Broker Services, Products, and Software

“How much are you spending on Agency LLPAs? The Conforming product for NOO and second homes can add upwards of 4 percent to your cost and prevent you from accessing the deepest possible pool of borrowers. More than 160 sellers on the MAXEX platform have eliminated their spend on Agency LLPAs for investment properties and second homes by utilizing our mandatory bulk, and best-efforts flow, Conforming program. Access multiple securitization and portfolio investors with a single contract and no LLPAs on NOO and Second-home properties using the same Agency guidelines you’re used to, without the fees. High Balance loans also available. Schedule time with our team today to learn more.”

As the U.S. prepares to spring forward this weekend, the long-awaited spring market has finally arrived, marked by March ’23 showcasing peak LO activity with $129B in volume. As 2024 is predicted to bring $2 trillion in mortgage origination volume, now is the time to prepare for new business opportunities by cultivating and reinforcing your real estate agent referral partnerships. Unsure of where to begin? Mobility Market Intelligence (MMI) offers full visibility into any agent’s activity, including instant new listing alerts. Learn more here.

TPO, Broker, and Correspondent Product News

“Luxury Mortgage Corp. is thrilled to announce that we’ve recently enhanced and expanded over 100 facets of our Non-QM underwriting guidelines within the past two weeks. We’re eager to share these exciting updates with you! These enhancements include improvements for allowing certain borrowers to exclude the PITIA from their departing residence. We’ve expanded the eligibility criteria for non-occupant co-applicants, allowing blended income and assets up to 90 percent LTV. Additionally, our Bank Statement qualification options have been widened to encompass five (5) methods, one of which allows for a 1-year P&L supported by only two months of bank statements. To learn more about these updates, we invite you to explore a list of key improvements by clicking here. If you are not an approved broker, now is the perfect time to become one. Click here to initiate the process of becoming an approved wholesale broker and prepare to take your production to the next level.

Attribution: Yesterday’s Commentary reported that, “The real estate investment trust affiliated with Angel Oak Companies posted a $28.6 million profit in the fourth quarter. For the full year of 2023, the REIT generated a profit of $33.7 million; all but forgotten is 2022’s reported loss of $187.8 million….” This information and story came from Inside Mortgage Finance, and we apologize for not noting this yesterday.

President Biden and… Closing Costs?

Anyone in our business knows that “housing costs” are complex and dependent on a myriad of factors, including supply and demand, demographics, local and state zoning and permit costs, construction demographics, builder choices, etc.

“President Biden believes housing costs are too high, and significant investments are needed to address the large shortage of affordable homes inherited from his predecessor and that has been growing for more than a decade. During his State of the Union Address, President Biden will call on Congressional Republicans to end years of inaction and pass legislation to lower costs by providing a $10,000 tax credit for first-time homebuyers and people who sell their starter homes; build and renovate more than 2 million homes; and lower rental costs. President Biden also announced new steps to lower homebuying and refinancing closing costs and crack down on corporate actions that rip off renters.”

Webinars, Podcasts, and Training Next Week

It’s hard to believe a woman couldn’t get mortgage without a co-signer until 1974! In celebration of Women’s History Month, join MGIC for The Remarkable Rise of Women in the Mortgage Industry webinar on Wednesday, March 13. Hear guest speaker Patty Arvielo, CEO of New American Funding, discuss co-founding one of the largest independent mortgage lenders in the nation while fostering growth for women. MGIC’s Paula Maggio, EVP – General Counsel & Secretary, will lead the moderated discussion. Register now!

(A good place for longer term conference planning is to start is here, and click on “Conference List” for in-person events in the future.)

Today, Friday, March 8, is this week’s episode of The Mortgage Collaborative’s Rundown covering current events in the mortgage market for 30-45 minutes starting at noon PT, 3PM ET, in “The Rundown”. Today’s is co-hosted by Femi Ayi, VP Branching Operations at Revolution Mortgage.

Come see another industry first product by Insellerate with its new AI assistant. See how you can leverage AI now to create better customer experiences, drastically increase conversion, increase loan officer efficiency, market in new ways, and have insights into your customer like never before. On Tuesday March 12th Insellerate will be hosting a free webinar that will show case an industry first AI product.

National MI University’s March Webinars! Mastering LinkedIn for Mortgage Professionals – Session Three ​​​​​​​​​​with Brynne Tillman – March 12th at 3pm ET. Top Loan Officer Strategies to Win NextGen Homebuyers ​​​​​​with Kristin Messerli – March 13th at 2pm ET. Your Leadership DNA ​​​​​​​​​​with Andrew Oxley – March 14th at 2pm ET. The Psychology of Sales ​​​​​with Rebecca Lorenz – March 26th at 2pm ET.

Looking for more in-depth commentary on weekly mortgage news? Register here for “Mortgage Matters: The Weekly Roundup” presented by Lenders One. Every Wednesday at 2:00 PM EST/11:00 AM PT is a dive into a range of mortgage-related topics, including market trends, interest rate fluctuations, innovative mortgage products, and industry advancements. Next week watch attorney James Brody field questions on repurchases and compliance issues.

The Federal Housing Finance Agency (FHFA) announced it will host the next session in its series of property insurance symposiums on March 13.

Optimal Blue’s Hedging 101 webinar is back on March 14, Noon CT. Whether you’re considering a transition to mandatory or you’re already hedging, you won’t want to miss this highly informative and directional webinar.

Free, Live, virtual training for all USDA lenders and real estate agents, Top Tips for Confident Credit Underwriting. Watch this live training event in Microsoft Teams on Thursday, March 14, 2:00 pm – 3:00 pm ET.

Partner with the pioneer in non-QM wholesale lending to elevate your brokerage. Don’t miss Angel Oak’s March webinars crafted exclusively for broker originators. March 14th, 1PM EST, a Non-QM Webinar on DSCR Loans, March 21st, 1PM EST, a Non-QM Webinar on Bank Statement Loans.

Register for the Independent Community Bankers of America’s (ICBA) national convention, Thursday, March 14 through Sunday, March 17 at Orlando World Center Marriott.

The largest, most comprehensive educational and networking event for the nation’s community bankers. Attendees will explore industry trends and best practices while tackling top-of-mind community banking issues through dynamic general sessions; learning lab sessions, roundtables, and panels; and view demos featuring the latest innovation developments during the ICBA ThinkTECH Showcase and Expo Hall featuring more than two hundred vendors.

Capital Markets

Ginnie Mae’s mortgage-backed securities (MBS) portfolio outstanding grew to $2.54 trillion in February, including $30.9 billion of total MBS issuance, leading to $11.4 billion of net growth. February’s new MBS issuance supports the financing of more than 96,000 households, including more than 44,000 first-time homebuyers. Approximately 69.8 percent of the February MBS issuance reflects new mortgages that support home purchases. The February issuance includes $30 billion of Ginnie Mae II MBS and nearly $894 million of Ginnie Mae I MBS, including nearly $816 million in loans for multifamily housing. For the 2024 calendar year to date, Ginnie Mae has supported the pooling and securitization of more than 91,000 first-time homebuyer loans.

Turning to the overall fixed-income markets, the yield curve is moving toward “normal convexity” as dovish rhetoric from Federal Reserve officials this week has buoyed investor sentiment. The Fed may cut interest rates three times this year. Or twice. Or once. Or maybe not at all. Day two of Fed Chair Powell’s congressional testimony yesterday brought him before the Senate Banking Committee, where he reiterated that the Fed is close to the necessary confidence that will make it appropriate to begin dialing back the level of restriction.

But the FOMC is in no rush: Stronger than expected economic data in the first two months of the year has given the Fed ample breathing room to wait for further evidence that inflation is returning to the 2 percent target. Powell also confirmed policymakers are well aware of the risks of cutting too late. Cleveland Fed President Mester echoed Chairman Powell’s view that the FOMC will likely be in position to lower rates this year.

Improved TBA (“to be announced” MBS, used for hedging pipelines) pricing yesterday was primarily a result of the ECB’s adjusted inflation forecasts despite no change in rates. ECB President Lagarde’s remarks after maintaining current rates for the fourth consecutive meeting raised speculation that a rate cut could be on the horizon for June. Domestically, continuing jobless claims came in slightly lower than expected, which contributed to favorable bond market pricing.

What’s the rate & term refi possibility? We’ve seen a reduction in mortgage rates from nearly 8 percent at the end of October to slightly under 7 percent currently. The total percentage of American homeowners that currently have refi incentive of at least 50 basis points has risen from 0.03 percent to just 2.1 percent ($102.2 billion out of about $4.97 trillion in UPB).

Today brought the February payrolls report. Nonfarm payrolls increased 275k versus 190k expectated and 353k previously. The unemployment rate was 3.9 percent when it was seen holding steady at 3.7 percent. Average hourly earnings were tame at +.1 percent (+4.3 year-over-year) versus expectations of increasing 0.3 percent month-over-month and 4.5 percent year-over-year versus 0.6 percent and 4.5 percent in January. Later today brings remarks from New York Fed President Williams, the only scheduled Fed speaker. After the employment data Agency MBS prices and the 10-year yielding 4.04 after closing yesterday at 4.09 percent. The 2-year is at 4.44.

Employment and Transitions

“Ross Mortgage Corporation, celebrating 75 years as a trusted lender, invites you to join a legacy where success, innovation, and an unparalleled customer experience are the foundation of everything we do. With our unmatched support system, including personalized marketing strategies and tools to highlight your achievements and community impact, you’ll have everything you need to succeed. We are a sales organization led by a salesperson, where our President understands the challenges you face and is there every step of the way along with our caring team to support your growth and success. Ross is large enough to provide a state-of-the-art technology stack, but small enough where your voice is always heard. If you are a Loan Officer or Branch Manager who would like to learn about joining our winning team, please reach out to our President, Tim Pascarella at 248-259-4614. Licensed in AL, FL, GA, IL, IN, KY, MD, MI, MN, NC, OH, PA, SC, TN, TX, VA, WI, and the District of Columbia.”

It’s difficult to imagine a mortgage company remaining stable and debt-free for 32 years, especially in today’s market. But that’s exactly what Churchill Mortgage has achieved. Founder and CEO, Mike Hardwick believes a key component of running a successful business is doing what’s right for its people. In 2013, Mike transformed Churchill Mortgage into an Employee-Owned company, and as such, the team has navigated challenges together and emerged even stronger through the last few years. This year, Mike has promoted Matt Clarke to President as a natural next step to support continued growth. “I am excited and proud to promote Matt to President and Chief Operating Officer of Churchill Mortgage. He is an extraordinarily gifted thinker who has a unique ability to pull people together and make them stronger as a team,” said Hardwick. “I am honored to step into the role as President. Churchill’s people inspire me to keep growing and that’s exactly what we’re doing. We’re pushing ourselves to never stop improving and evolving. I’m excited to see what we achieve in the next 32 years,” said Clarke.

In Montana, Evergreen Home Loans is excited to introduce our new leadership team, reinforcing our dedication to serving the local community with unparalleled mortgage solutions. Leading the charge is Pete Edgecomb as Regional Manager, bringing a strategic vision and robust market acumen. Brett Evertz steps in as Area Manager, ready to foster growth and enhance our service offerings. At the branch level, Kelly Duray and Crystal Eckerson assume the roles of Branch Managers, combining their deep industry knowledge and local insights to deliver personalized client experiences. Evergreen is committed to empowering homeownership with a suite of innovative products. Our focus on local decision-making and comprehensive product offerings positions Evergreen as the premier choice for both seasoned teams and individuals aiming to advance their careers in the Montana market. Join us in shaping the future of home financing. To see all job listings visit: Mortgage Careers

AmeriHome wired out the news that Jim Furash, CEO of AmeriHome, has decided to retire from the company as of March 1st and that Josh Adler, Chief Investment Officer, has been promoted to CEO of AmeriHome. In addition to Josh’s new role as CEO, the company also announced that Dan Blanding, EVP Capital Markets, has been promoted to Chief Investment Officer. Congratulations all the way around!

 Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

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Turn your passion for playing video games into a career by attending one of the top game design colleges in the country.

Game design is an in-demand industry, with new video games for gaming systems, tablets, and phones continually being developed and released. Here, we’re exploring 20 of the best gaming development programs you might want to consider.

What to Look for in a Game Design School

If you’re looking into colleges for video game design, you’ll quickly realize that not all programs are created equally. Some schools only offer a class or two in game design, while others go deep into the field, offering internships and hands-on experiences.

If you’re interested in attending a game design school, it’s important to research schools and programs prior to making your decision. Make sure to look into the specific type of degree you want (undergraduate degree or certificate, for example), the length and commitment of the program, what current and former students have to say about the program, the helpfulness of the faculty and staff, and more.

Luckily, we’ve done the work for you and have narrowed down the top colleges offering game design programs.

The Top 20 Best Colleges for Game Design

There are several video game design colleges and programs in the United States. Here, we’ve created a list starting with the most affordable game design colleges all the way up to those with higher tuition expenses.

1. Shawnee State University

Shawnee’s Game Design School has made it on The Princeton Review’s Top Undergraduate Schools for Game Design list for 13 consecutive years, and with such low tuition, it might be a great bargain. Located in Portsmouth, OH, you can elect to study Game Programming or Game & Simulation Arts.

•   1 year of tuition: In-state $9,621.52; Out-of-state $16,156

2. University of Silicon Valley

USV is available on-campus in the heart of Silicon Valley or 100% online. The university offers Bachelor of Arts degrees in both Game Design and Game Art, as well as a Bachelor of Science in Game Engineering. After graduating, students are qualified for roles including animator, modeler, game writer, computer programmer, and more.

•   1 year of tuition: $27,850 for both in-state and out-of-state students

3. Arizona State University

ASU’s Bachelor of Arts in Interdisciplinary Studies offers a concentration in Computer Gaming with three tracks to choose from: Programming, Art, or Education. Located in stunning Tempe, AZ, courses in the program include Introduction to Graphics and Game Development, Fundamentals of Game Art, Game Engine Architecture, and 3D Modeling and Texturing.

•   1 year of tuition: In-state $12,051; Out-of-state $32,193

4. University of Utah

The Utah Division of Games, located in Salt Lake City, is a college for game designing that combines art, humanities, social science, and computational research and practice to prepare students for careers in the field. Students can choose from multiple gaming bachelor’s degrees, a master’s degree, and even a minor in gaming. The Bachelor of Science in Games includes courses like Survey of Games, Ethics in Games, and Alternative Game Development.

•   1 year of tuition: In-state $9400; Out-of-state $31,104
💡 Quick Tip: Fund your education with a low-rate, no-fee SoFi private student loan that covers all school-certified costs.

5. University of Southern California

USC’s Interactive Media & Games program offers three undergraduate options: a BFA in Themed Entertainment, a BFA in Game Development and Interaction, and a BFA in Game Art. Located in sunny Los Angeles, the program also offers four graduate degrees and nine minors.

•   1 year of tuition: $33,320 for both in-state and out-of-state students

6. Laguna College of Art and Design

Laguna College of Art and Design Game Art program, located in Laguna Beach, CA, prepares students for employment in any studio or software environment. Students learn the fundamentals of storytelling at every phase of the creation process, how to use a workflow methodology, and how to solve problems in concept challenges.

•   1 year of tuition: $37,500 for both in-state and out-of-state students

7. Full Sail University

Full Sail’s Interactive Technology Bachelor of Science Completion Program in Winter Park, FL offers a Game Design concentration that includes high-level game design and production courses that prepare students to work in game studios after graduation. Recognized as a Top Game Designs Schools by The Princeton Review, the program offers multiple start dates throughout the year and has an accelerated schedule for students looking to finish early.

•   1 year of tuition: $38,750 for both in-state and out-of-state students

8. Drexel University

Drexel University in Philadelphia offers a Bachelor of Science in Game Design & Production, and is recognized as one of the country’s top undergraduate game design programs. Students learn skills like scripting and storytelling, computer programming, computer graphics, animation, motion capture, and more.

•   1 year of tuition: $38,862 for both in-state and out-of-state students

9. Bradley University

Bradley University in Peoria, IL offers both a BA and a BS in Game Design. During your studies, you’ll have the opportunity to intern for a design company, participate in competitions, and show your work at an annual exhibit.

•   1 year of tuition: $39,248 for both in-state and out-of-state students

10. Savannah College of Art and Design

SCAD’s Interactive Design and Game Development degrees offer locations in Atlanta and Savannah, GA with the option to study abroad in Lacoste, France. Students can study at any of the three locations each semester, with the option to switch locations during their time in the program. Courses in the program include Digital Communication, Visual Culture in Context: Pre-Modern Global Perspectives, Aesthetics, and Core Principles: Game Art.

•   1 year of tuition: $41,130 for both in-state and out-of-state students

11. Michigan State University

MSU offers a Game Design and Development Program, a Top 10 Ranked program by The Princeton Review, that was founded in 2005. Students can choose from a Bachelor of Arts in Games and Interactive Media, a Minor in Game Design and Development, or a Serious Games Graduate Certificate. All students get the opportunity to design prototypes and conduct research on the effects of gaming.

•   1 year of tuition: In-state $16,051; Out-of-state $43,435

Recommended: How to Complete the FAFSA Application

12. University of California – Irvine

The Bachelor of Science degree in Game Design & Interactive Media at UC Irvine includes coursework in game programming, game design and development, visual design, interactive storytelling, data science, and game studies. Students graduate the program well-prepared for a career as a designer, developer, and industry leader. Students also get access to well-respected industry mentors.

•   1 year of tuition: In-state $17.205.74; Out-of-state $32,574

13. Champlain College

Champlain’s Bachelor of Science in Game Programming provides hands-on experience, with students collaborating to create and complete game projects. Located in gorgeous Burlington, VT, Champlain was named a “Most Innovative School” by U.S. News & World Report in 2022. Upon graduation, students are well-prepared to work in gaming studios.

•   1 year of tuition: $47,400

14. Quinnipiac University

Level up your creativity with Quinnipiac University’s Game Design & Development Program. Ranked as one of The Princeton Review’s Top Game Design Programs, students can choose a concentration to focus on, including programming, technology, design process, art, game studies, and more. Located in Hamden, CT, the program also gives students the chance to collaborate with partners both within and outside the community.

•   1 year of tuition: $50,400

Recommended: Financial Benefits of Community College

15. Rochester Institute of Technology

The Game Design, Development, and Arts program at RIT has been rated one of the best programs in this field of study by many organizations, including U.S. News & World Report. Degree options include 3D Digital Design, Film & Animation, Illustration, New Media Interactive Development, and more.

•   1 year of tuition: $56,136
💡 Quick Tip: Need a private student loan to cover your school bills? Because approval for a private student loan is based on creditworthiness, a cosigner may help a student get loan approval and a lower rate.

16. Worcester Polytechnic Institute

The Interactive Media and Game Development (IMGD) program at WPI dives into different aspects of gaming design, including digital painting, 3D modeling, writing for games, game audio, artificial intelligence, and virtual reality. Located in Worcester, MA, the program is recognized as one of the oldest gaming programs in the country.

•   1 year of tuition: $57,960

17. New York University

New York University’s BFA in Game Design has three primary areas of study: Game Studies, Game Design, and Game Development. You can also choose from one the following Production Areas: Programming, Video Design, Audio Design, and Game Business. Though tuition here is a bit higher than at some of the other schools, you can pay for it with a federal or private student loan.

•   1 year of tuition: $60,438

18. Carnegie Mellon

The Game Design undergraduate program at Carnegie Mellon in Pittsburgh, PA will give you a solid foundation in game systems and mechanics design, interactive narrative and character development, visual and audio asset creation, game programming, interface design and user testing, and collaboration and the iterative design process.

•   1 year of tuition: $62,260

19. University of California – Santa Cruz

In USC Santa Cruz’s Bachelor of Science in Computer Science: Computer Game Design, you’ll learn about the construction and design of interactive computer games. In your final year of study, you’ll be immersed in an intensive year-long game project sequence.

•   1 year of tuition: In-state: $30,567; Out-of-state: $65,148

Recommended: Student Debt Guide

20. Cornell University

Cornell, another of the best game design colleges located in Ithaca, NY, offers a minor in Game Design that includes classes like Intro to Computer Game Architecture, Advanced Computer Game Architecture, Analytics-Driven Game Design, Graphics and Art, the Psychology of Gaming, and Human-Computer Interaction.

•   1 year of tuition: $65,204

The Takeaway

With so many game design colleges available, it might be hard to make a decision. Factors to keep in mind include the type of program, the location, the faculty and staff, and the cost.

However, don’t let cost deter you from going to the school of your choice. To pay for school, you can look into federal student loans, scholarships, and grants.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

What’s the most affordable game design program?

Shawnee State University offers a nationally acclaimed game design program with low tuition. Tuition for in-state residents is $16,156 per year.

What’s the most expensive game design program?

Cornell University has one of the most expensive game design programs in the U.S. at over $65,000 per year.

How much does game design school cost?

Game design schools can range from $16,000 per year all the way up to more than $65,000 per year.

Photo credit: iStock/fizkes

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

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When you ask people about their favorite season, few will likely say winter. However, there’s an undeniable sense of calm that comes with this period of hibernation, regardless if you live in a house in chilly Minneapolis, MN, or an apartment in Miami, FL. Even more unique is the feeling you get when the first warm breezes of spring arrive but winter still holds us in its mysteries.

In this article, Apartment Guide interviews expert candlemakers and sellers to find the scents that evoke both the coziness and moodiness of winter while also celebrating the promise of spring. We promise it will make scents as you keep reading!

Find harmony between dark and light

As the long, dark nights of winter shift to brighter days, the best winter-spring candle scents merge the moodiness of winter and the breeziness of spring. Try to find a candle that balances both vibes seamlessly.

“During this seasonal shift, I find that incorporating fresh citrus notes into my space provides a revitalizing touch reminiscent of the upcoming spring while still holding on to the cozy warmth of winter,” states Tianna Dean of Hummingbird Candle Company. “Blends of lemongrass, lime, and lemon top notes evoke a refreshing burst of citrus, symbolizing the awakening of spring, while the underlying notes of jasmine, black currant, and patchouli add a touch of warmth reminiscent of the lingering winter.”

Add a touch of aquatic fragrance

The pool is still closed, and you might not be ready to plan your beachside vacation quite yet. However, aquatic notes transport you to the relaxed feeling of lounging by the water.

“As the seasons shift, our my favorite transitional scent is our spring candle scent that evokes Oklahoma during a thunderstorm,” says Rico Smith of 46th State Candle. “With refreshing notes of eucalyptus, spearmint, and sea salt, it captures the invigorating essence of spring rain while still offering a hint of winter’s crispness, making it the perfect choice for transitioning between winter and spring seasons.”

Similarly, Jennifer Smyth of Modern Zen Candle Company notes: “Fragrances like sea salt and orchid orchestrate a coastal symphony, harmonizing sea salt’s crispness, jasmine’s soft touch, and tonka bean’s warmth — nature’s transition from chilly winds to the gentle caress of spring. For even more beachy vibes, bamboo and coconut whisk you away to a tranquil paradise with bamboo’s freshness, coconut milk’s creaminess, and pineapple’s sweetness—a scent that embodies a springtime escape.”

Opt for solar fragrances

AURA Candle Bar owner Linda Pendry suggests solar fragrances, or scent profiles evocative of tropical blooms. “Solar fragrances are top of mind as spring break plans interrupt the cold winter months with fragrances such as sea breeze, citrus facets of neroli or even the floral notes of olive blossom. Warmer base notes such as exotic agarwood, sensual driftwood, or smokey cedar lend themselves to grounding the fragrance as we all patiently await the longer days ahead as springtime unfolds.”

Try a combination of floral and woody notes

“I love burning candles that have a woody and floral scent with a hint of spice during the transition from winter to spring,” shares Reis Chester, founder of REISFIELDS NYC. “My go-to choice has a masterfully crafted blend of soft woody guaiac wood, fresh French roses, geranium, and violets. It is finally topped off with a subtle hint of black pepper and clove. Giving you the warmth of winter with the freshness of spring.”

“Our favorite scent for the transition months between winter and spring is a blend of dahlia and sandalwood,” says Nicola Hines of Candlish. “It reminds us of a lush wooded flower field in the spring and has a sophisticated and luxurious aroma that will uplift your mood. The comforting scent of slightly sweet base note sandalwood blends harmoniously with warm amber, light lemon zest, sultry jasmine, and yellow dahlia petals which gives off well-balanced and soft floral notes that are earthy and intriguing.”

Earthy and fresh scents win the season

From the crisp aroma of freshly cut pine to the grounding scent of damp earth after rainfall, earthy and fresh scents reign supreme this season.

“Most will gravitate to a floral-scented candle this time of year, but I’d recommend something with notes like white sage and lavender to cleanse the space of ghosts and emotional winter baggage,” says Jesse Regis of Virgins on Fire Candle Co.

Similarly, Kylie Antolini of Wildwood Candle Company recommends combining the freshness of earthy scents with the brightness of citrus to evoke a wooded meadow filled with flowers.

She says, “My favorite scents for transitioning out of winter into spring have a mix of grounding, earthy floral notes and brightness — for example, one of our candles has blended notes of ylang-ylang (grounding, floral), orange blossom (bright, floral), green fig (ripeness, rebirth, bright, green), and lavender (grounding, floral). It’s not only a wonderful year-round scent, but particularly wonderful coming out of winter, as our noses have missed smelling fragrant flowers in the sunshine.”

Or, as Wes at Milwaukee Candle Company says, “As winter surrenders to spring, lose yourself in the harmonious fusion of brightening citrus and comforting woodsy scents. The invigorating notes of blood orange signify nature’s awakening, while a deep, rich mahogany evokes the cozy embrace of winter. This blend effortlessly bridges the gap between winter hibernation and the blooming warmth of spring, creating a sensory experience that captures the essence of both seasons in perfect harmony.”

And if you want the earthy freshness that instantly reminds you of a luxurious spa, white tea takes the cake. Kianna Cornelia of Cornelia Home states, “Our favorite scent for the transition months between winter and spring is white tea. This aromatherapy fragrance promotes wellness and calmness, allowing you to enjoy a tranquil spa-like experience anywhere in your home.”

Find comfort with a sweeter fragrance

Though often thought of as solely winter candle scents, sweeter notes go with any season –  so check in with your mood instead of the thermometer outside when it comes to finding a signature scent for March. And if we’re being honest – who isn’t in the mood for dessert, no matter the season?

According to Nose Best Candles, you can’t go wrong with gourmand scents, which are typically dessert-like scents like vanilla, almond, sugar and caramel. “When in doubt, go gourmand! The weather is so unpredictable during this time. So instead of trying to match the weather outside, find comfort in something like a snickerdoodle or banana nut bread. This will make your home smell like a 5-star bakery that you’ll never want to leave.”

Erika Whitus of Southern Charm Candle also chimed in: “When the holidays have passed, and we are in the cozy moments spent indoors waiting for the vibrant lively atmosphere of spring, our favorite scents are ones that combine elements of the fresh, sweet aroma of fruit with the warmth and comfort of a fresh-baked dessert. Juicy ripe strawberries, zesty lemons, or tropical bananas provide a refreshing burst of energy like spring itself whereas the comforting aroma of vanilla provides a grounding effect of waiting for your mom’s favorite recipes.”

Marry winter and spring with a musky scent

Fuse the essence of winter and spring with a musky scent, bridging the gap between the crisp chill of snow-covered landscapes and the burgeoning warmth of blooming flowers.

Ky Candle Company has a cashmere-blend scent, which is the perfect concoction to take you from winter to spring, according to owner, Sheena Bromagen. “It has warm, earthy notes of saffron and amber paired with the light floral fragrances of lily of the valley and violets. It’s rich and soft, calming and warm –  a perfect scent all year!”

Or, as Tanisha Burke from Malaysian Lights puts it, “I have found the most favored scents between winter, and spring is something fresh and clean. My bestseller boasts notes of ozone, soothing musk, fresh flowers, and light coconut with a sandalwood base. The second scent that is found to be very popular between these seasons has plenty of cinnamon and vanilla. The cinnamon spice notes combined with rich, warm vanilla is a customer favorite.”

Experiment with olive

Pull out the olive scents if you want to try something refreshing and unique for the transition season. It offers an earthy balance of mellowness and warmth that lends itself to both winter and spring.

“Olive is my favorite fragrance for transitioning into spring!” says Clara Bailey from MacBailey Candle Co.  “It is a complex fragrance that has a base of musk and vanilla, which bring in the cozy feelings of winter.  The warm earthy middle notes add texture, while the top notes of orange and lemon bring in the fresh and clean notes of spring.”

Glenda from Palmetto Scent Studio recommends this right-now-ready scent, too: “As you prepare to transition your home from winter to spring, it’s important to take inspiration from the feelings we experience during this time of rejuvenation. Everyone’s anticipating the fresh, fragrant breezes to come, but there is still a slight chill in the air. Consider a scent that blends soft and cozy scents like cashmere with light, botanical notes like the sophisticated tea olive. These blends will help set a tone of anticipation as we await spring buds to emerge.”

Wow with deep, wood-forward notes

Whether you picture a large bonfire on a chilly night or a slow-burning fireplace in a cozy den, wood scents add to any winter scene. But did you know woody scents also transitioned well into warmer weather?

Alex at Kindred Homestead Supply notes how woody scents might evoke the season’s turn. “In this transitional period between winter and spring, the earthy blend of smokey oak, tobacco leaf, and a subtle touch of vanilla provides a comforting and enveloping atmosphere in our living spaces. These scents serve as a warm embrace, encouraging us to appreciate the restorative quiet of winter, while we eagerly look forward to the rejuvenation spring brings.”

Another expert adds her thoughts about this scent profile. “For us, it’s all about the blend of earthy, woodsy scents with a pop of floral freshness,” says Diane Mendoza of Never Alone Candles. “Think the floral vibrancy of lavender mixed with the earthy depth of oakmoss. It’s the perfect scent combo for transitioning from the cozy, reflective winter to the fresh, hopeful vibes of spring — like a breath of fresh air for your living space.”

Spring forward with flowers and citrus

Of course, you can skip the woody, spicy or sweet notes in your winter candle scents if you’ve been long-awaiting spring. We encourage you to go ahead and embrace every warm breeze – while lighting candles in scents that speed the next season along.

According to an owner at Gratus Candles,” Our favorite transitional scents from winter to spring would have to be a mixture of earthy, citrus and floral!  This is because while our senses are use to those traditional winter fragrances  filled with spices, earthy, and sweet notes, transitioning to fragrances that embody the warmer weather, such as: citrus and floral, while keeping true to those earth notes, will bring a familiarity to your visitors while easing them into the welcoming spring scents of the new season!

Caitlin Wheeler of Old North Candle Company explains this perfectly. “Our favorite way to transition from winter to spring scents is to focus on light, fruity blends. It feels too early to commit to floral scents, but most of the winter scents feel a bit heavy for this time of year. Fragrance notes of mint and chamomile are comforting on those lingering cold days, while mandarin and basil notes brighten up the scent to welcome in those airy, spring mornings.”

This sentiment seems to be echoed by other candle entrepreneurs, too. “Citrus and delicate floral fragrances are ideal for the season, as they offer a light, refreshing touch and harmonize beautifully when paired together,” posits Neosha Franklin, Owner & Candle artisan of Serene Nights Candle Co. “Our premier fragrance pick for the transition from winter to spring boasts a delightful fusion of citrus pear, cherry, and deep musk, creating an enchanting aroma perfectly suited for this season.”

In a similar vein, Two Chicks Candles’ owners Cassandra and Latoya Cargile chime in with their own poetic advice. “As we tiptoe into the whimsical realm of spring, let’s embrace the dance of melting snow and rejuvenating rain showers with aquatic delights like sea salt, ocean breeze, and the ethereal fragrance of exotic lotus flowers, elegant water lilies and delicate orchids — nature’s symphony of renewal.

These scents aren’t just whispers on the wind; they’re soul-cleansing reminders that winter’s grasp is fading, making way for spring’s gentle embrace. Embark on an aromatic journey where each inhale is a celebration of renewal and the enchanting allure of changing seasons. A blend of sea salt, lush green leaves, amber and freesia perfectly captures this transition.”

Source: apartmentguide.com

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Pre-Qual, TPO, Lead Gen Tools; STRATMOR on Vendor Relationships; Disaster News; HECM, Ginnie, FHA News

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Pre-Qual, TPO, Lead Gen Tools; STRATMOR on Vendor Relationships; Disaster News; HECM, Ginnie, FHA News

By:
Rob Chrisman

Wed, Feb 28 2024, 11:09 AM

At the TMBA’s Secondary Conference in Houston a topic is obviously interest rates and the economy… And the fact that the nation’s interest payment expense now exceeds our defense expense! It’s also a fact that Texas’ business climate is very friendly for companies. The #1 state in the nation for residential lending, California, not so much. Overheard here in the hallway: “California is a blue state wrapped up in red tape.” That said, permit process aside, California gets a lot of flak for its high cost of living, but that is for income tax rather than property tax, as exhibited in “Property Taxes by State in 2024” comparing home and vehicle taxes across the nation. Californians pay the 34th highest annual taxes on homes priced at state median value. New Jersey, Illinois, and Connecticut have the highest annual taxes on homes. Each year, the average American household spends $2,869 on real-estate property taxes plus another $448 for residents of the 26 states with vehicle property taxes. (Found here after 8:30AM ET, this week’s podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite’s three core products – nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics – unite the people, systems, and stages of the mortgage process. Interview with SoFi’s Liz Young on the need for Treasury auctions and how supply and demand at those auctions impacts consumer interest rates.)

Lender and Broker Services, Products, and Software

“If you’re heading to ICE Experience, there’s never been a better time to catch up with the Optimal Blue team. Our PPE clients are actively upgrading to the Encompass Partner Connect integration and enjoying new features and benefits. On average, loan officers experience a 60% reduction in the time it takes to request a lock and see it auto-confirmed within Encompass through this upgraded integration. This means users can continue with disclosures and other loan-processing activities faster, which shortens turnaround times and increases efficiencies. If you’re an existing Optimal Blue client and interested in hearing about the other benefits of upgrading, or if you’d like to further discuss your business strategy, consider scheduling a meeting with the Optimal Blue team at our private poolside cabana. We will also be set up at the Optimal Blue booth throughout the event and ready to chat at your leisure. See you in Vegas!”

Compliance Experts Report on 2024 Mortgage Servicing Outlook! Watch the 30-minute webinar that recently launched with ACES’ EVP of Compliance, Amanda Phillips and Reid Herlihy of Ballard Spahr as they discuss the most recent mortgage servicing news, CFPB Supervisory Highlights, and expectations and predictions for 2024 and beyond. Watch the recording.

Guaranteed Rate has chosen Evocalize to enhance the digital marketing capabilities of its mortgage loan officers. Evocalize, renowned for powering leading mortgage and real estate industry tech platforms, is partnering with Guaranteed Rate to revolutionize lead generation and referral partner engagement. Through Evocalize, loan officers can execute targeted digital marketing campaigns across various platforms including Google, Facebook, Instagram, TikTok, Gmail, and YouTube instantaneously. This collaboration empowers loan officers to leverage local data for lead generation amidst changing regulatory landscapes. Evocalize will leverage real-time data and machine learning algorithms to optimize ad management. Guaranteed Rate anticipates significant benefits from this partnership, including enhanced lead generation, reduced marketing costs, and streamlined compliance efforts, ultimately improving the overall customer experience. Learn more here.

“Welcome to the new AFR Wholesale® (AFR)! Change can be good. Our team has been relentlessly pursuing better execution. This exercise has led to great program enhancements, operational improvements and of course, better pricing. Non-Delegated and Wholesale clients have commented on our aggressive pricing across all programs. Notably our new expanded note rate adjusters in conventional and government. We’ve also revised pricing for our Down Payment Assistance Program going into purchase season. AFR is dedicated to offering not only competitive rates but also a customer-centric approach, ensuring that you and your borrowers have the tools and options needed for a beneficial experience. Delegated Correspondents have also seen sharper pricing and incredible turn times (under 48 hours). Ensure you’re leveraging all AFR benefits by reaching out to our Account Executives, 1-800-375-6071, or explore our enhancements through our Quick Pricer tool. Not a client? Partner with AFR today!”

When Al Gore invented the internet, he envisioned a world where borrowers and Realtors could stand in a home, pull out their phones, and update pre-approval letters on demand. Make him proud and check out QuickQual by LenderLogix.

STRATMOR on Lender-Vendor Communication

We in the industry know that there is often a massive disconnect between mortgage lenders and their technology partners, so why isn’t “business relationship therapist” a thing? In STRATMOR Group’s February Insights Report, Senior Advisor Sue Woodard takes on the role of “therapist” to help both lenders and vendors unpack the key areas of disconnect. If you need guidance in breaking down these communication barriers, contact STRATMOR and don’t miss “Step into Our Office: Couples Therapy for Mortgage Lenders and Tech Vendors” for suggestions for both parties and to learn how STRATMOR is already working with technology providers to hear, understand and better respond to the needs of the lending community.

Disaster News

Given that 20-25 percent of the nation’s mortgages come from California, exposed to earthquakes, fires, and flooding, seeing a disaster declared there is worth noting for lenders and servicers alike. FEMA announced that federal disaster assistance has been made available to the state of California to supplement recovery efforts in the areas affected by severe storms and flooding, January 21-23, 2024. The President’s action makes federal funding available to affected individuals in San Diego County.

“Assistance can include grants for temporary housing and home repairs, low-interest loans to cover uninsured property losses and other programs to help individuals and business owners recover from the effects of the disaster. Federal funding is also available on a cost-sharing basis for hazard mitigation measures statewide. Individuals and business owners who sustained losses in the designated areas can begin applying for assistance by registering online at www.DisasterAssistance.gov, by calling 1-800-621-3362 or by using the FEMA App.”

But up in Washington we have wildfires: FEMA DR-4759-WA.

On 2/19/2024, with DR-4758, Release Number HQ-24-024, FEMA declared federal disaster aid with individual assistance has been made available to San Diego County California affected by severe storms and flooding from 1/21/2024 to 1/23/2024. See AmeriHome Mortgage Disaster Announcement 20240206-CL for inspection requirements.

On 2/15/2024, with DR-4759, Release Number HQ-25-025, FEMA declared federal disaster aid with individual assistance has been made available to a county affected by wildfires from 8/18/2023 to 8/25/2023. See AmeriHome Mortgage Disaster Announcement 20240208-CL for inspection requirements.

FHA, VA, Ginnie Mae, HECM, and USDA Developments

Ginnie Mae’s mortgage-backed securities (MBS) portfolio outstanding grew to $2.53 trillion in January, including $28.1 billion of total MBS issuance, leading to $10.8 billion of net growth. January’s new MBS issuance supports financing for more than 91,000 households, including more than 46,000 first-time homebuyers. Approximately 77.6 percent of the January MBS issuance reflects new mortgages that support home purchases, because refinance activity remained low due to higher interest rates.

The January issuance includes $27.4 billion of Ginnie Mae II MBS and more than $674 million of Ginnie Mae I MBS, including nearly $558 million in loans for multifamily housing. For the 2024 calendar year to date, Ginnie Mae supported the pooling and securitization of more than 46,000 first-time homebuyer loans. For more information on monthly MBS issuance, unpaid principal balance (UPB), real estate investment conduit (REMIC) monthly issuance, and global market analysis, visit Ginnie Mae Disclosure.

In USDA news, an Unnumbered Letter (UL) dated February 13, 2024, has been issued which increases the appraisal fee to $775 and the conditional commitment fee to $850 under the rural development direct programs. The fee increases are effective March 14, 2024. The increased fees reflect market research for origination appraisals in rural areas and incorporates the average cost of appraisals under the programs’ nationwide contract with the Appraisal Management Companies.

With the current market trends of rising interest rates, the Single-Family Housing Guaranteed Loan Program (SFHGLP) Rural Development announced a Stand-Alone MRA ratio waiver; to remove the 55 percent and 31 percent limitations from the requirements in the regulation for the Stand-Alone MRA.

FHA published Frequently Asked Questions, FHA (FAQs), that address inquiries received from stakeholders regarding its final rule, Changes in Branch Office Registration Requirements published in the Federal Register on February 2, 2024. This regulation eliminated the current requirement for lenders and mortgagees to register branch offices where they originate FHA Title I or Title II loans. This new rule, which becomes effective on March 4, 20 is not applicable for those institutions whose fiscal year ended on December 31, 2023, and are required to recertify by March 31, 2024. Recertification fees for those lenders will be calculated based on the number of registered branches as of the last business day of their fiscal year-end certification period. Refer to the rule and accompanying FHA INFO 2024-01 dated February 2, 2024, for information on the rule.

Effectively immediately, AmeriHome is removing the existing $100,000 maximum cash-to-borrower overlay on VA Cash-Out Refinance transactions, to align with VA guidelines. For additional information, see Product Announcement 20240207-CL.

Big news for the “Empire State” of New York! Plaza Home Mortgage excitedly shared that borrowers can now utilize a reverse mortgage for purchasing a home. This is a great option for “buying up” or keeping key cash liquidity vs paying all cash. Plus, FHA now allows borrower concessions up to 6% of the Principal Limit. So, what does that mean for your borrower? When discussing the HECM product, these interested party contributions [or concessions] may include REALTORS®, builders, developers, lenders, and others with an interest in the transaction. Now, interested parties may contribute up to 6% of the sales price toward the borrower’s origination fees, closing costs, prepaid items, and more.

Weary about adding reverse mortgages into your business plan? Although there are lower LTVs caused by the higher rates, keep in mind that the acceleration of equity often offsets all of that. While your senior borrowers may get 47 percent instead of 57 percent LTV, their house may have appreciated $150K or more. Contact Plaza Home Mortgage for more information.

Pennymac Announcement 24-07 provides updates to Government LLPAs effective for all Best-Efforts Commitments taken on or after Friday, February 09, 2024.

The Single-Family Housing Guaranteed Loan Program (SFHGLP) announced upcoming revisions to technical Handbook 1-3555, Chapter 12, Property and Appraisal Requirements. Changes are expected to be implemented on April 1, 2024. View USDA Rural Development Bulletin for more information.

Per Pennymac Announcement 24-13, Government LLPAs were updated, effective for all Best-Efforts Commitments taken on or after Friday, February 23, 2024, as follows: Improve values on the ‘Government FICO Price Adjustments’ LLPA Grid.

Capital Markets

There are competing narratives emerging around the strength of the U.S. economy. Weaker consumer spending of late calls into question whether the economy can avoid a recession, consumer confidence has fallen and remains shaky, economic activity pulled back in January as storms and cold weather disrupted day-to-day activity, and markets received a disappointing Durable Orders report yesterday. However, employment has remained resilient, homebuilder confidence has improved, and Treasury auctions this week have not indicated any sort of flight to quality. On balance, the data suggests that the economy should pick up as the weather improves.

Home prices continue to hold steady as demand greatly exceeds supply. The FHFA Housing Price Index rose 0.1 percent month-over-month in December after increasing a revised 0.4 percent in November, while the S&P Case-Shiller Home Price Index was up 6.1 percent in December after being up 5.4 percent in November. However, local markets are seeing some price easing. Supply and demand may be a greater determinant: Despite high rates, home prices rose 5.1 percent in January, year over year, and while still painfully low, inventory is up 3.1 percent year over year and new listings rose year over year for the fourth straight month.

Today’s economic calendar kicked off with mortgage applications from MBA decreasing 5.6 percent from one week earlier. Later today brings the second look at Q4 GDP and January advanced indicators: the goods trade deficit, retail inventories, and wholesale inventories. Three Fed speakers are currently scheduled: Atlanta President Bostic, Boston President Collins, and New York President Williams. We begin the day (an early travel day for me) with Agency MBS prices, the 10-year yielding 4.28 after closing yesterday at 4.32 percent, and the 2-year at 4.67.

Jobs and Transitions

Looking to expand in CA or NV? Licensing in both states is now taking nearly a year. Opportunity for immediate licensing in either or both states. New established small Mini-Corr/Broker shop located in Northern NV for sale. The operation was established by an industry veteran with two immediate family members. Some circumstances with the family have changed and the principal believes it would be better to continue forward becoming a part of a larger entity. The company is licensed in NV, CO, TX, FL, and CA; banking license should be completed within 6 – 8 weeks. If interested, please contact Chrisman LLC’s Anjelica Nixt to forward your note to the owner.

Movement is providing its loan officers, and the agents they work with, a unique way to highlight their impact. Powered by the company’s new proprietary sales and marketing tool MORE, every Movement LO and the agents they closed loans with in 2023 recently received a personalized “Highlight Reel,” featuring an email, web page, and social media content showcasing the work they did together last year and how that work impacted their respective communities. Movement has also released its annual Impact Report, which also looks back on the previous 12 months. Check out all the ways Movement helps its loan officers stand out with unique storytelling, content, technology, and yes, MORE, at MovementLO.com.

New American Funding is pleased to announce the addition of industry leader Mosi Gatling as SVP Strategic Growth and Expansion. Gatling is renowned for her expertise in serving previously underserved communities and her commitment to increasing Black homeownership in the U.S. and will help to reshape the industry’s approach towards minority communities and effect positive change across the mortgage industry.

 Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

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With more pet ownership happening across the country, finding the best cities for pets could help you live more comfortably. The best cities for pets provide pet-friendly apartments, as well as plenty of amenities, such as off-leash parks, hiking spots, veterinary hospitals and doggie daycares.

Finding the best cities for pets

In our search for the best cities for pets, we analyzed the percentage of apartments in our database that were pet-friendly and allowed dogs or cats.

We also looked at the average cost of veterinarian services in large metro areas with populations above 100,000 and the number of pet-related businesses and parks per capita. Then, we ranked them accordingly.

Here are the best cities for pets in the U.S.

10. Davie, FL

Just north of Miami, Davie is a town with plenty of scenic parks. Head over to Happy Tails Dog Park, the city’s pristine dog park, where your dog can socialize and run obstacle courses. The park has three different play areas and doggie water fountains.

There’s also Central Broward Park, which features 110 acres of fields and playgrounds, Vista View Park, a hilly green space to spend the day hiking and Peace Mound Park, which has an ancient burial site.

Located in Broward County, Davie is known for its colleges, universities and technical colleges. It’s home to plenty of family-friendly activities, such as hanging at the Flamingo Garden and Everglades Holiday Park.

9. Vacaville, CA

Fast-growing city Vacaville in Northern California, just 55 miles outside of San Francisco and because it’s not in the heart of the city, it’s a lot more affordable, too.

Vacaville is a great place to get on your bike and take your dog on a run through Alamo Creek Bike Trail or Lagoon Valley Park, a green, fenced off area for off-leash dogs to run around.

Besides sprawling, recreational areas and charming parks, you can also spend the afternoon checking out some of the local wineries.

Vacaville even has its own little museum, honoring the local heritage. It’s an ideal place away from the hustle and bustle, but close enough if you ever need to access a bigger city (only 35 miles from Sacramento).

8. Naperville, IL

Naperville is a suburb of Chicago — it sits just 35 miles west of the Windy City and is home to paths and bridges that hug the DuPage River. Just like Vacaville, Naperville is far enough from the concrete jungle of Chicago so residents can enjoy the more scenic vibe of public art, colorful local shops, cafes and restaurants.

Grab the leash and take your dog on a stroll through Naperville Riverwalk, which has a two-mile path that opens up to the heart of the city. It’s picturesque with lots of green space, shopping and places to eat or get takeout along the way.

7. Arvada, CO

When it comes to outdoor activities, you really can’t find a better place than Colorado. Arvada, which is near Denver, offers a unique, small-town feel with a retro vibe. The city has a historic shopping district called Olde Town and offers plenty of parks, trails (it has 125 miles of hiking and biking!) and lakes where you can see the mountains and bald eagles.

You can hike Mesa Trail and see views of the Flatirons or check out Eldorado Canyon State Park to climb amid sandstone cliffs. Because of its close proximity to nature, low crime rate and educated workforce, Arvada is a popular place to live. It encompasses the top 20 of Colorado’s wealthiest ZIP Codes.

6. Scottsdale, AZ

While summers are hot, the rest of the year in Scottsdale is relatively mild, which makes it a comfortable place to live with your pet and get outside. Just outside of Arizona’s capital Phoenix, Scottsdale is well-known for incredible views of rock formations at Camelback Mountain and Hole in the Rock, a geological cluster with big open spaces.

Scottsdale even has a number of popular pet-friendly hotels (for some cool, indoor time for those scorching summers) and is generally welcoming of pets in public places, such as its posh Scottsdale Fashion Square and local wineries.

5. Tyler, TX

In eastern Texas, Tyler is known for its rose gardens and even has a museum dedicated to remembering the rich history of the town’s annual Texas Rose Festival.

Tyler is the kind of place where you can visit popular attractions, such as the Tyler Azalea trail and any of their lakes, such as Lake Tyler and East Lake Tyler.

The city’s location and access to nature make it a great place for pets. The Sunrise Paw Park is a massive dog park — four acres, to be exact. The park, just northwest of Old Jackson Highway, has separate fenced off sections for small and large dogs to play and socialize.

4. Boulder, CO

At the base of the Rocky Mountains is Boulder, CO. The city offers the best of both worlds, with the intricate rock formations of the Flatirons just west and the convenience of Pearl Street’s downtown’s shops, cafes and restaurants.

You can take your furry best friend just about anywhere in Boulder, including hiking trails and picnics with some spectacular scenery.

A dog-friendly must-do hike is the Flatirons Vista and Doudy Draw Trail, which is a beginner-level, 3.7-mile hike that will take about three hours. It’s an incredible way to spend the day, especially in the spring.

3. Ann Arbor, MI

Ann Arbor is near the Huron River and nicknamed “Tree Town” because of its abundance of green space — even their downtown is filled with trees. Known as one of the best places to live in Michigan, Ann Arbor is a welcoming place for young professionals, families and their pets.

A popular destination for dog-lovers is Swift Run Dog Park, which is an outdoor grassy area with 10 acres of freedom for Fido to get some exercise and be off-leash.

Stroll through the coffee shops and historic downtown area that’s lined with vintage clothing shops, independent bookstores and historic theaters. Ann Arbor is also home to the University of Michigan, and its creative, youthful vibe makes it feel like a typical university town.

2. Charleston, SC

For being such an old city, founded in 1670, Charleston is surprisingly pet-friendly, with tons to do and see with Fido, including James Island County Park. This play haven features a dog beach, four acres of grass, a cleaning station and a fenced play area for small dogs.

Besides dog parks, beaches and trails, Charleston exudes an old, historic charm. The port city has cobblestone streets, especially in the French Quarter and Battery districts.

Go for a stroll down the promenade and Waterfront Park for a relaxing view of the Charleston Harbor. There are also tons of local shopping venues, theaters, museums, cafes and gardens.

1. Greeley, CO

The No. 1 city for Fido is in Greeley, a city in northern Colorado, about an hour away from Denver. There’s plenty of outdoor activities to do with your pet, from spending the afternoon at Poudre River Trail or taking advantage of the green space at Rover’s Run Dog Park.

Greeley is a central hub for community events and unlike its more expensive counterparts in Denver and Boulder, it’s considered a hidden gem due to its affordability in housing.

Greeley is a thriving cultural area, known for its art, entertainment and food-driven events, such as their summer-long Friday Fest and OktoBREWfest in the fall.

Greeley also landed in the No. 35 spot in a well-being index report, which measures community social and health data across populations.

The 50 best cities for pets

If you want to know what other cities made the list beyond the top 10, here are the top 50 best cities for pets.

Finding a pet-friendly apartment

Here’s what you need to know in order to find the best find a pet-friendly apartment for your needs.

Search for pet-friendly amenities

Newer apartment buildings come with all sorts of amenities, beyond a pool and fitness center. Pet-friendly apartments will have on-site dog parks, washing stations and even pet daycare.

Get renters insurance

You may have heard why it’s important to get renters insurance. Consider buying it for the year if you’re ready to move to a new apartment with your pet. It could show your new landlord that you’re responsible and are covered in case your pet causes any damage to the unit.

Depending on the type of coverage and policy you choose, renters insurance may include:

  • Property damage to the unit
  • Liability in case someone gets hurt in your unit
  • Theft of belongings in your apartment and car
  • Additional living expenses if your home becomes uninhabitable as a result of a covered emergency

Get a recommendation

Ask your former landlord to write a letter of recommendation, highlighting your dog’s behavior and the condition of your previous apartment. You may want to include other types of documentation when talking to your landlord, such as:

  • Obedience school documents
  • Pet sitters who took care of your dog
  • A former neighbor

Pay a pet deposit

This topic will inevitably come up when you look for a pet-friendly apartment. Most apartment buildings will require a pet deposit, which is generally a few hundred dollars.

Take photos of your apartment before you move in

When you find the right place to live, be sure to take photos of your apartment before you move in. This could serve a few purposes for you, including proof that your pet didn’t ruin the unit.

You could show these photos to future landlords to state your case that your dog is well behaved. It could also help you get your security deposit back.

Methodology

To determine the best cities for pets, we looked at all cities with at least 100,000 people according to the U.S. Census Bureau’s 2019 estimates and then ranked each city by the following factors:

Pet-friendliness (50%)

  • The percentage of available properties that allow dogs or cats. Listings are from Apartment Guide and Rent.’s November 2020 multifamily rental property inventory.

Veterinarian costs (20%)

Pet businesses per capita (30%)

  • Businesses include vets, animal hospitals, pet shops, pet training facilities, pet boarding, pet supplies and parks. Counts come from a database of 8 million commercially licensed business listings and may not reflect recent openings or closures.

Each of these factors was weighted differently, and the cities with the best overall score were determined to be the best cities for pets.

Source: rent.com

Apache is functioning normally

High mortgage rates and harsh weather are pushing down home sales, but some house hunters are touring and getting a feel for the market. 

The bumpy start to 2024’s housing market continues, with daily average mortgage rates posting their biggest one-day increase in over a year on February 2. The jump came after a hotter-than-expected January jobs report and the Fed’s confirmation that they’re unlikely to cut interest rates in the next two months, which means mortgage rates will probably remain elevated near their current level for at least that long.

Rising home prices are exacerbating rising rates, with the typical monthly mortgage payment just about $100 shy of October’s all-time high. The median U.S. sale price rose 5.4% year over year during the four weeks ending February 4, the biggest increase in over a year. High housing costs are pricing out many would-be homebuyers; pending sales are down 8%, the biggest decline in four months. There are also a few other contributors to sales falling: Harsh winter weather in the first half of January delayed a lot of homebuying deals, and pending sales were improving at this time last year as mortgage rates temporarily dropped.

Still, some house hunters are at least getting a feel for the market. Redfin’s Homebuyer Demand Index–a seasonally adjusted measure of requests for tours and other buying services from Redfin agents–has steadily risen since mid-January, and a separate measure of home tours shows they’ve increased 16% since the start of the year, compared with a 10% rise at this time last year. Some sellers are jumping in, too, with new listings up 7% year over year. 

“We’re seeing a bit of recovery with house hunters touring homes, but even demand at the earliest stages isn’t up as much as we would expect at this time of year,” said Chen Zhao, Redfin’s economic research lead. “That’s because mortgage rates are climbing again and winter weather has been harsher than usual in much of the country, keeping some house hunters at home.” 

Luis Rojas, a Redfin Premier agent in the Viera West, FL area, said today’s housing market is touch and go. “High mortgage rates brought the local market to a near-standstill from August through November, activity picked up when rates dropped a bit in mid-December, and now it’s slowing down again as rates rise,” Rojas said. “I’m advising buyers–especially first-timers–that the mortgage rates they see in the news aren’t the be-all and end-all. Some local lenders are willing to give rates in the 5% range for new construction projects because any business is better than no business.”

Leading indicators

Indicators of homebuying demand and activity
Value (if applicable) Recent change Year-over-year change Source
Daily average 30-year fixed mortgage rate 6.92% (Feb. 7) Up from 6.75% a week earlier Up from 6.39% Mortgage News Daily 
Weekly average 30-year fixed mortgage rate 6.63% (week ending Feb. 1) Near lowest level since May Up from 6.09% Freddie Mac
Mortgage-purchase applications (seasonally adjusted) Down 1% from a week earlier; up 3% from a month earlier (as of week ending Feb. 2) Down 19% Mortgage Bankers Association
Redfin Homebuyer Demand Index (seasonally adjusted) Up slightly from a week earlier, but down 7% from a month earlier (as of week ending Feb. 4) Down 14% Redfin Homebuyer Demand Index, a measure of requests for tours and other homebuying services from Redfin agents
Google searches for “home for sale” Down 2% from a month earlier (as of Feb. 3) Down 16% Google Trends 
Touring activity Up 16% from the start of the year (as of Feb. 6) At this time last year, it was up 10% from the start of 2023 ShowingTime, a home touring technology company 

Key housing-market data

U.S. highlights: Four weeks ending February 4, 2024

Redfin’s national metrics include data from 400+ U.S. metro areas, and is based on homes listed and/or sold during the period. Weekly housing-market data goes back through 2015. Subject to revision. 
Four weeks ending February 4, 2024 Year-over-year change Notes
Median sale price $361,498 5.4% Biggest increase since Oct. 2022
Median asking price $395,949 7% Biggest increase since Sept. 2022
Median monthly mortgage payment $2,607 at a 6.63% mortgage rate 11.5% Down roughly $110 from all-time high set in October 2023, but up roughly $250 from the four weeks ending Dec. 31
Pending sales 68,872 -7.8% Biggest decline since October 2023
New listings 70,415 6.6%
Active listings 740,834 -3.5%
Months of supply  4.2 months Unchanged 4 to 5 months of supply is considered balanced, with a lower number indicating seller’s market conditions. 
Share of homes off market in two weeks  33.3% Up from 32%
Median days on market 48 -2  days
Share of homes sold above list price 22.4% Up from 20%
Share of homes with a price drop 5.5% +1 pt.
Average sale-to-list price ratio  98.2% +0.5 pts. 

Metro-level highlights: Four weeks ending February 4, 2024

Redfin’s metro-level data includes the 50 most populous U.S. metros. Select metros may be excluded from time to time to ensure data accuracy. 
Metros with biggest year-over-year increases Metros with biggest year-over-year decreases Notes
Median sale price

Miami (13.4%)

Anaheim, CA (13.4%)

Detroit (13.3%)

Warren, MI (12.1%)

Chicago (11.3%)

San Antonio, TX (-4.7%)

Austin, TX (-3.7%)

 Declined in 2 metros 
Pending sales San Jose, CA (13.8%)

San Francisco, CA (6%)

Anaheim, CA (4.5%)

Riverside, CA (0.4%)

Columbus, OH (0.2%)

 San Antonio, TX (-33.2%)

Portland, OR (-30.2%)

Nashville, TN (-21.5%)

New Brunswick, TN (-19.4%)

Houston (-18.5%)

 Increased in 5 metros
New listings Dallas, TX (27.1%)

Miami (26.9%)

Jacksonville, FL (26.3%)

Fort Lauderdale, FL (23.6%)

San Diego, CA (22.1%)

 Chicago (-17.8%)

Atlanta (-16%)

Milwaukee, WI (-14%)

Portland, OR (-13.6%)

Nashville, TN (-10.4%)

 Declined in 14 metros

Refer to our metrics definition page for explanations of all the metrics used in this report.

Source: redfin.com

Apache is functioning normally

Find a room with a view in one of these cities.

Every major city in the U.S. has a unique skyline. Whether they have the tallest buildings or the prettiest mountain backdrop, a skyline makes a city instantly recognizable from afar. Since the world’s first skyscraper in Chicago in 1885, architects have continued to race each other to touch the sky.

Here are 30 of the best skylines across the country, from the Big Apple to Motor City.

Which city has the best skyline in the U.S.?

From coast to coast, near the water or in the desert, each skyline has an element that makes them striking. And one of the best in the country.

30. Houston, TX

The oldest building in the Houston skyline is the El Paso Energy building, completed in 1963 at 33 stories. The tallest, the JPMorgan Chase Tower, is double that at 75 floors. The tower was supposed to be 80 stories, but a Federal Aviation Administration (FAA) analysis said anything over 75 stories was considered hazardous to air navigation.

Find an apartment for rent in Houston.

29. Denver, CO

Denver’s skyline can be enjoyed from several spots around the city, including Washington Park. Denver is exactly one mile high, with more than 200 visible peaks sneaking around the skyline for their moment in the limelight. The tallest building in this skyline is the 56-story Republic Plaza.

Find an apartment for rent in Denver.

28. St. Louis, MO

You can’t think about the St. Louis skyline without the Gateway Arch, the tallest manmade monument in the country. The 630-feet-tall stainless steel monument is genuinely iconic and marks the moment the Louisiana Purchase was signed. Next to it, the Mississippi River flows by and joins the Missouri River north of the city.

Find an apartment for rent in St. Louis.

27. Orlando, FL

Fun fact about the Orlando skyline: Lake Eola, in downtown Orlando, is a giant sinkhole. It’s around 80 feet at its deepest point. You can see the most iconic city landmark, the Linton E. Allen Memorial Fountain, right in the middle of it. In the background, at 441 feet, the Suntrust Center is the tallest building in Central Florida.

Find an apartment for rent in Orlando.

26. Atlanta, GA

One of the most popular tourist attractions in Atlanta is the view of the skyline at the Jackson Street Bridge. It’s both used in “The Walking Dead,” and it’s a prime spot to capture a beautiful Instagram shot for your feed. While the skyscrapers themselves aren’t quite famous, the view is still worth the snapshot.

Find an apartment for rent in Atlanta.

25. San Diego, CA

America’s Finest City’s skyline has changed drastically in just a decade but buildings are usually capped at 500 feet due to concerns over planes crossing over the downtown on the flight path to San Diego International Airport. Petco Park offers the best sunset view of the San Diego skyline, a treat while watching the Padres hit a few home runs.

Find an apartment for rent in San Diego.

24. Tampa, FL

The most identifiable buildings in the Tampa skyline are the University of Tampa’s stainless steel minarets, a stark contrast to the modern skyscrapers that surround it. Previously the luxurious Tampa Bay Hotel, the building was railroad tycoon Henry Plant’s legacy inspired by Moorish architecture.

Find an apartment for rent in Tampa.

23. San Francisco, CA

As the fog rolls in, past the Golden Gate Bridge, San Francisco’s skyline looks ethereal. The Bay Area skyline is a good mix of skyscrapers like the Salesforce Tower and the Transamerica Pyramid and smaller buildings, due to the earthquake risk in California.

Find an apartment for rent in San Francisco.

22. Nashville, TN

Well, Bob Dylan in 1969 named a whole album after the stunning Nashville skyline, and we can’t disagree. The southern city’s first skyscraper was only 12 stories tall back in 1905 — that number has now grown to 162 high-rises. The most identifiable of them all? The AT&T Building, nicknamed the Batman building, for its resemblance to the superhero’s mask.

Find an apartment for rent in Nashville.

21. Minneapolis, MN

Minnesota winters are infamous for being brutal, but Minneapolis has it figured it out. They stay mega cozy without going outdoors, thanks to the skyway system’s enclosed bridges that connect buildings throughout the city. It’s the most extensive pedestrian skywalk system in the world, connecting more than 20 of the tallest buildings in Minneapolis.

Find an apartment for rent in Minneapolis.

20. Knoxville, TN

The Sunsphere, the tower with the disco ball-like at the top, makes the Knoxville skyline easy to spot. The unique structure was built for the 1982 World’s Fair. After sitting abandoned for years, the 4th-floor observation deck reopened in 2022. It offers a 360-degree view of downtown Knoxville and the Great Smoky Mountains.

Find an apartment for rent in Knoxville.

19. Indianapolis, IN

Today, Indianapolis’ skyline is marked by Monument Circle, a monument to the valor of the common soldier. Any building surrounding it cannot be taller than eight stories so the sunlight can reach the fountain.

Another fun fact: Circle City was home to one of the most remarkable feats in engineering in 1930 — the move of the 11,000-ton Indiana Bell building. For a little over a month, the building was rotated 90 degrees. Some 30 years later, it was demolished.

Find an apartment for rent in Indianapolis.

18. Cincinnati, OH

Cincinnati is home to the world’s first reinforced concrete skyscraper, the 16-story Ingalls Building. Before 1903, no one had built a building taller than six floors. Today, it’s the Courtyard by Marriott Cincinnati Downtown. This is just one of many historic landmarks in the city’s skyline.

Find an apartment for rent in Cincinnati.

17. Milwaukee, WI

With Lake Michigan as a backdrop, Milwaukee’s skyline held the title for tallest skyscraper for a brief moment in time. In 1895, the Milwaukee City Hall was the tallest building in the city, taller than anything in New York or Chicago at the time. The beautiful walkways surrounding the atrium (and the building) still stand today.

Find an apartment for rent in Milwaukee.

16. Norfolk, VA

Lesser known than some of the skylines on the list, Norfolk’s has mostly mid-rise buildings, with the 26-story Dominion Tower taking the top spot for tallest in the skyline. What brings you is the reflection of the skyline on the Elizabeth River. The recently revitalized waterfront offers beautiful views of the city and a chance to see the restored shoreline.

Find an apartment for rent in Norfolk.

15. San Antonio, TX

The star of the San Antonio skyline is the Tower of the Americas, the 11th tallest skyscraper in the entire state. Right in downtown San Antonio, the 750-foot-tall observation tower offers some of the city’s best views. Initially built for the 1968 World’s Fair, the tower has a spot to grab a bite to eat at the top.

Find an apartment for rent in San Antonio.

14. Charlotte, NC

Here’s a fun fact: The majority of Charlotte’s current skyline was built in the 21st century starting in 2002 with the Hearst Tower. The city is a financial center in the Southeast with Bank of America, Wells Fargo and other institutions having a presence at each of the skyline’s buildings.

Find an apartment for rent in Charlotte.

13. Portland, OR

Downtown Portland’s skyline is composed of 31 high-rises, with the Wells Fargo Center taking the top spot for tallest building. Most of the city center is nestled in between the Columbia and Willamette rivers. Nearby, the historic Pittock Mansion offers incredible panoramic views of Portland and Mount Hood in the background.

Find an apartment for rent in Portland.

12. Phoenix, AZ

From the top of Camelback Mountain, about 30 minutes from downtown Phoenix, you can see the entire Phoenix metropolitan skyline. A striking view during sunset with the desert mountains in the background is not your usual skyline view.

Find an apartment for rent in Phoenix.

11. Pittsburgh, PA

Pittsburgh has over 400 bridges, and it’s hard to miss them in the city skyline. Like the Smithfield Street Bridge, the oldest steel bridge in the U.S., which crosses the Monongahela River. Pittsburgh’s skyline also features One Oxford Centre, a complex of six buildings with many sides to offer as many corner offices as possible.

Find an apartment for rent in Pittsburgh.

10. Memphis, TN

The downtown Memphis skyline overlooks the Mississippi river as it was purposely built on the banks by the city’s founders. These days, the Memphis Riverfront offers a beautiful river walk that connects two state parks, Meeman-Shelby Forest and T.O. Fuller.

Find an apartment for rent in Memphis.

9. Detroit, MI

Detroit has one of the most distinguishable skylines in the country. Motor City’s Sunset Point gives the most beautiful views of the skyline along the Detroit River. Or, if you want a bench to admire the skyline and the sunset, head over to Riverside Park with a small picnic. The Ambassador Bridge is the star of the show from this angle.

Find an apartment for rent in Detroit.

8. Dallas, TX

The Dallas skyline is recognizable, thanks to the 1980s hit series “Dallas” and has won best skyline multiple times, including USA TODAY. The Reunion Tower, a 561-foot observation deck, is one of the skyline landmarks in Dallas. The locals often call it “The Ball.”

Find an apartment for rent in Dallas.

7. Chicago, IL

Right by Lake Michigan, Chicago has built one of the most classic skylines, with height variation, no crowding or funky-looking buildings. It makes sense since the first skyscraper in the world was built in the Windy City. Get to know it during one of the city’s popular architecture-themed boat tours. But you’ll get the best full view of the skyline at the Adler Planetarium.

Find an apartment for rent in Chicago.

6. Miami, FL

Welcome to Miami! The Florida city has the country’s third tallest skyline with more than 300 skyscrapers. The Panorama Tower, located in downtown Miami, stands tall at 85 stories, making it the tallest in the state. Nine out of the top 10 of the tallest buildings in Florida can be found in Miami.

Find an apartment for rent in Miami.

5. Los Angeles, CA

Did you know that until 2014 Los Angeles buildings were required to have a flat top to allow for a helicopter landing? That’s why the skyline looks almost homogenous aside from a few new additions. On a clear day without smog, the Los Angeles skyline can be seen from several vantage points, but Griffith Observatory and Echo Park Lake are the best ones.

Find an apartment for rent in Los Angeles.

4. Honolulu, HI

Honolulu’s small, packed skyline isn’t just about buildings. A skyline shot from above shows the vibrant blue Pacific Ocean paired with lush Diamond Head. It just exudes paradise from every perspective. The First Hawaiian Center has remained the tallest building on the island since the mid-90s at 429 feet.

Find an apartment for rent in Honolulu.

3. Seattle, WA

The Space Needle and Mount Rainier, part of Seattle’s iconic skyline, take our No. 3 spot for best skyline in the U.S. The best place to see it all from above? Sunset Hill Park provides the best view of the skyline during a sunny day. The Columbia Center takes the prize for the tallest building in the city at 76 stories.

Find an apartment for rent in Seattle.

2. Las Vegas, NV

And the No. 2 spot goes to Sin City — the one and only Las Vegas. With all of its neon lights, the Las Vegas skyline is the brightest place on Earth and can be seen from outer space. The Luxor’s Sphinx, a replica of the Great Sphinx of Giza, stands out among the many iconic buildings on the skyline. Fun fact: It’s bigger than the original.

Find an apartment for rent in Las Vegas.

1. New York, NY

The New York City skyline takes the prize as the best skyline in the country. From above, the Big Apple shines with its landmark buildings like the Empire State Building, the Chrysler Tower and the One World Trade Center. It has inspired architectural dreams, and it has become the background for many stories and movies.

And while it had a tragic change at the beginning of the 21st century, it remains one of the best city skylines in the United States.

Find an apartment for rent in New York.

The best city skylines around the country

Whether buildings have a mountain as their background or a view of water, there are so many beautiful skylines to choose from across all 50 states.

These are just a small slice of the most beautiful city skylines around the U.S. With ongoing construction, each of these skylines will look a little different over time and one of them could be your next view from your apartment.

Source: rent.com

Apache is functioning normally

A newly renovated residence with a killer location and impeccable interiors has recently landed on the market in Miami Beach, sporting a hefty $18 million price tag.

But it has plenty of attributes to justify its premium pricing, including an exceptional location on a private peninsula that comes with unmatched panoramic views of the Atlantic Ocean from nearly every room of the house.

Nestled on the corner of the guard-gated community of Biscayne Point Island at 1137 North Biscayne Point Road, the property’s coveted location also offers convenient access to some of Miami’s most iconic spots.

Photo credit: Compass Florida

Key numbers & facts

  • Location: 1137 North Biscayne Point Road, Miami Beach, FL
  • Bedrooms: 4
  • Bathrooms: 5
  • Square footage: 5,077
  • Year built: 1955 (extensively renovated in 2023)
  • Lot size: 0.29 acres
  • Amenities: Great Room with 25′ high ceilings, custom finishes imported from Europe, wine cellar, a primary suite with huge walk-in closets
  • Other structures: two boat docks, jet ski lift, summer kitchen in the backyard
  • Asking price: $18,000,000
  • Listing agent: Nancy Batchelor

The residence, following a comprehensive 4-year renovation completed in 2023, showcases elegant interiors designed by Deborah Wecselman.

A former Senior Director of International Store Design for Ralph Lauren, a role she’s held for 12 years, Wecselman played an instrumental role in designing over 5,000 flagship stores and shops globally.

Deborah Wecselman’s move to Miami marked a new chapter in her career, leading her to establish WECSELMAN DESIGN, a lauded interior design firm recognized both nationally and internationally for creating high-end, unique interiors.

And 1137 North Biscayne Point Road’s interiors are a testament to Wecselman’s distinct, elegant style, as we’re about to see.

Photo credit: Compass Florida

The home features a Great Room with soaring 25-foot high ceilings and sliding doors that recess completely, blurring the lines between the indoor and outdoor spaces.

The entire home is designed to maximize the stunning ocean views, with each room offering a picturesque seascape.

High-quality custom finishes imported from Europe can be found throughout the home, along with gleaming wood floors and a state-of-the-art wine cellar.

The primary suite is a highlight, featuring expansive walk-in closets and a luxurious bath with a soaking tub and dual vanities.

Photo credit: Compass Florida
Photo credit: Compass Florida
Photo credit: Compass Florida
Photo credit: Compass Florida
Photo credit: Compass Florida
Photo credit: Compass Florida
Photo credit: Compass Florida

True to its waterfront essence, the property’s backyard is an entertainer’s paradise.

Outdoor amenities include a pool, a summer kitchen for alfresco dining, a putting green, and not just one, but two boat docks. Additional amenities like a jet ski lift enhance the outdoor experience, making it perfect for both relaxation and hosting events.

Photo credit: Compass Florida
Photo credit: Compass Florida
Photo credit: Compass Florida
Photo credit: Compass Florida

Reflecting modern standards, the house is equipped with impact windows and doors, solar panels, and a carport complete with a Tesla charging station, underscoring the property’s commitment to sustainability without compromising on luxury.

The location on an ultra-private peninsula with 360′ of water frontage makes this property a haven for boating enthusiasts.

The two docks offer ample space for boats and provide exceptional wide bay sunset views, making it a rare find in the Miami real estate market.

Photo credit: Compass Florida

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Source: fancypantshomes.com