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Apache is functioning normally

November 5, 2023 by Brett Tams

As Prepared for Delivery

Remarks of Mr. DeVito

Introduction

Good morning and thank you for joining today’s call to review Freddie Mac’s business and financial results.

As many of you know, September marked 15 years since Freddie Mac entered government conservatorship. And the company has made significant progress.

While much remains to be done, and this company is committed to the work, today I will cover three topics that illustrate how far Freddie Mac has come since 2008:

First, how the company has intensified its focus on mission, particularly related to affordable housing.
Second, how risk has been reduced.
And finally, how Freddie Mac has made progress in its work to build financial stability.

Then I will turn it over to our CFO, Chris Lown, for an update on the company’s third quarter financial performance.

Ongoing Improvement

Mission

Let’s start with mission.

Over the past few years, Freddie Mac has strengthened its focus on its mission and embraced an expansive view of support for affordable housing.

Freddie Mac strives to meet or exceed a number of affordable housing-related commitments, such as:

Affordable Housing Goals in both Single Family and Multifamily,
The Duty to Serve Plan, which targets high-needs rural regions, manufactured housing, and affordable housing preservation.
And that includes the company’s payments into the Capital Magnet Fund and Affordable Housing Trust Fund, which now top $2.2 billion.
And finally, Freddie Mac’s Equitable Housing Finance Plan, which expands the company’s efforts to promote equity in the Single-Family and Multifamily markets.

Regulatory commitments are the baseline expectation. Today, the company approaches mission more broadly, with a range of initiatives to help renters, lenders, diverse developers and other market participants. For example:

Single-Family improved its technology to help borrowers with thin credit files by allowing lenders to access bank data, tax transcripts and direct deposit data to verify critical information such as income, assets, and on-time rent payments.
Multifamily is helping renters prepare for homeownership though an on-time rent reporting initiative, which helps them establish or raise credit scores. To date, more than 375,000 renters can participate.
Freddie Mac has also provided tools to help borrowers receive down payment assistance, including through Special Purpose Credit Programs and the newly launched DPA One tool, both of which I have discussed previously.

This company’s commitment to housing affordability is more ingrained in its DNA than ever before.

Reducing Risk

That’s equally true for the company’s commitment to strong risk management. Today, it is both a requirement and a vital part of Freddie Mac’s identity.

Here are just a few of the many examples:

Since 2008, Freddie Mac has reduced its mortgage-related investments portfolio down to approximately $85 billion. This is less than one-tenth of its $867-billion peak.
In 2020, the company adopted bank-like capital requirements designed to backstop its risks and has been steadily building total equity to meet those requirements.
And finally, Freddie Mac pioneered credit risk transfer. CRT brings billions of dollars of private capital into the U.S. housing finance system, dramatically reducing taxpayer exposure and lowering the company’s own risk.
- In fact, the third quarter marked 10-years since the first Single-Family CRT transaction.
- To date, Freddie Mac’s Single-Family CRT program has transferred more than $108 billion of credit risk on approximately $3.3 trillion of mortgages.
- Multifamily has also protected a half-trillion dollars of loans via its K-Deal program, which started in 2009.

Ensuring Stability

Finally, let me turn to the growing stability of Freddie Mac’s financial position after 15 years of change and improvement.

In the third quarter the company earned $2.7 billion and grew its net worth to $44.7 billion.

Furthermore, credit quality today is strong in both the Single-Family and Multifamily mortgage businesses. Chris will say more about that in a moment, but it is clear that the changes the company made since 2008 have set Freddie Mac on a new course.

Keeping What Works

While the company made significant strides to improve its focus and performance over the past 15 years, it still preserved the core elements of Freddie Mac that have worked for decades.

That includes support for the 30-year mortgage—the cornerstone of the American housing finance system and Freddie Mac’s business. Thirty-year fixed-rate mortgages accounted for more than 90 percent of the home loans we purchased this year.

Freddie Mac is also helping provide access to housing for low- and moderate-income renters and borrowers.

Support for first-time homebuyers is near all-time highs at 50 percent of purchase loans.
And more than 90 percent of the eligible rental units financed were affordable to low-income and working families.

The company also has preserved small lenders’ access to the secondary mortgage market via the cash window.

And it enhanced liquidity in the to-be-announced market as one of the leaders in the creation of the uniform mortgage-backed security, one of the most significant changes to the market in a generation.

Since inception more than $284 trillion of UMBS have been traded.

Finally, Freddie Mac has maintained its counter-cyclical role. The company’s market presence in the early days of the pandemic and current support for the housing market are solid examples.

Playing an Important Role

Before I turn it over to Chris Lown, allow me to put the work of thousands of talented people over 15 years into context.

Since 2008, Freddie Mac has:

Provided more than $8 trillion in liquidity to the mortgage market,
Helped nearly 11 million homebuyers, including more than 4.1 million first-time homebuyers, and
Funded more than 8.3 million rental units, 87 percent of which were affordable.

Further the company has returned nearly $120 billion to taxpayers, approximately 67 percent more than it borrowed from the U.S. Treasury.

And most importantly, Freddie Mac is a strong, stable organization that is unwavering in its focus on Making Home Possible for renters and borrowers well into the future.

Now, let me turn it over to Chris.

Financial Results (Remarks of Chris Lown)

Thank you, Michael, and good morning.

As Michael noted, this morning we reported net income of $2.7 billion for the quarter, an increase of $1.4 billion, or 104 percent, year-over-year. This increase was primarily driven by a credit reserve release in our Single-Family business versus a credit reserve build in the prior year quarter.

Third quarter net revenues were $5.7 billion, an increase of $509 million, or 10 percent, year-over-year. This increase was driven by both higher net interest income and higher non-interest income. Net interest income increased 4 percent year-over-year to $4.7 billion, driven by higher investments net interest income benefiting from higher short-term interest rates. Non-interest income of $941 million was up 50 percent year-over-year driven by higher Multifamily guarantee income and higher investment gains.

An increase in observed and forecasted house price appreciation drove a $263 million benefit for credit losses this past quarter versus an expense of $1.8 billion in the prior year quarter.

In the third quarter of 2022, the provision for credit losses was driven by deterioration in housing market conditions coupled with lower observed and forecasted house price appreciation.

These increases were partially offset by a $751 million, or 41 percent, increase in our non-interest expense, which was primarily driven by an allocation of $313 million for the accrual for the judgement in the Fairholme Funds litigation and a $314 million decrease in Single-Family credit enhancement recoveries due to a decline in expected credit losses on covered loans.

Our total mortgage portfolio at the end of the third quarter was $3.5 trillion, a 2 percent increase year-over-year.

Single-Family Business Segment

Turning to our individual business segments, the Single-Family segment reported net income of $2.3 billion for the quarter, up $1.5 billion, or 176 percent, from the prior year quarter.

Single-Family net interest income of $4.5 billion was up 4 percent year-over-year, primarily driven by higher income on our investment portfolio, which benefited from higher short-term interest rates, partially offset by lower deferred fee income recognition as prepayments slowed due to higher mortgage interest rates. Mortgage interest rates at the end of this quarter were 7.31 percent, up 61 basis points from the prior year quarter. Non-interest income for Single-Family was $393 million this quarter, up $335 million from the prior year quarter. This increase was primarily driven by higher net investment gains which benefited from higher interest rate-related gains.

Our benefit for Single-Family credit losses this quarter was $304 million, primarily driven by increases in observed and forecasted house price appreciation. In the prior year quarter, we had a provision expense of $1.8 billion, which was primarily driven by deterioration in forecasted housing conditions and lower observed and forecasted house price appreciation.

House prices increased by 2.5 percent this quarter and our forecast assumes an increase of 2.9 percent over the next 12 months and 1.7 percent over the subsequent 12 months.

The Single-Family allowance for credit losses coverage ratio at the end of the quarter was 22 basis points, down from 23 basis points a year earlier.

The Single-Family serious delinquency rate declined to 55 basis points at the end of the third quarter, down 12 basis points from the end of the prior year quarter. The Single-Family serious delinquency rate remains historically low and is down 8 basis points from the pre-COVID rate of 63 basis points at the end of 2019.

In the third quarter, we helped approximately 18,000 families remain in their homes through loan workouts. Our loan workouts have continued to decline as the seriously delinquent loan population has declined.

Our Single-Family mortgage portfolio increased 2 percent year-over-year to $3 trillion at the end of the third quarter.

Credit characteristics of our Single-Family portfolio remained strong, with the weighted average current loan-to-value ratio at 53 percent and the weighted average current credit score at 756. At the end of the quarter, 62 percent of our Single-Family portfolio had some form of credit enhancement.

New business activity was $85 billion, up $2 billion from the second quarter. However, year-over-year new business activity declined $36 billion, or 30 percent, as both refinance and purchase activity declined due to higher mortgage interest rates. Home purchase volume of $76 billion made up 89 percent of our total new business activity this quarter. First-time homebuyers represented 50 percent of new Single-Family home purchase loans. The average guarantee fee rate charged on new business was 55 basis points this quarter.

Multifamily Business Segment

Moving on to Multifamily, the segment reported net income of $362 million, down 23 percent, or $108 million, from the prior year quarter. This decrease was primarily driven by higher provision for credit losses and higher non-interest expense in this period.

The provision for credit losses in Multifamily this quarter was $41 million, an increase of $29 million from the prior year quarter primarily driven by deterioration in overall loan performance. The Multifamily allowance for credit losses coverage ratio at the end of this quarter was 54 basis points, up from 14 basis points a year earlier.

Non-interest expense was $266 million, up $94 million, or 55 percent, year-over-year, primarily driven by an allocation for the accrual for the judgment in the Fairholme Funds litigation.

The Multifamily delinquency rate was 24 basis points at the end of the quarter, up from 21 basis points last quarter and 13 basis points at the end of September 2022. This increase was primarily driven by an increase in delinquent loans in our senior housing and small balance loans portfolios. Ninety four percent of these delinquent loans have credit enhancement coverage.

We have seen a continued decline in demand for Multifamily mortgage financing due to higher mortgage interest rates and a slowdown in the Multifamily origination market.

Our Multifamily new business activity was $13 billion for the third quarter, bringing the year-to-date volume to $32 billion versus $44 billion for the same time last year.

Our Multifamily mortgage portfolio increased 4 percent year-over-year to $432 billion, of which 95 percent was covered by credit enhancements.

Capital

On the capital front, our net worth increased to $44.7 billion at the end of the quarter, representing a 27 percent increase year-over-year.

With that I will turn it back over to Michael.

Conclusion (Remarks of Mr. DeVito)

Thanks, Chris.

Before we close, let me say a few words about the recent announcement that I will be departing Freddie Mac in early 2024.

It is a privilege to lead this company. And Freddie Mac is fortunate to have a strong leadership team, ready to meet the challenge of guiding this company into the future, and an outstanding group of employees who are intensely dedicated to its mission and making home possible.

Thank you for joining us today.

MEDIA CONTACT: Frederick Solomon
703-903-3861
[email protected]

Additional Resources

Source: freddiemac.com

Apache is functioning normally

November 2, 2023 by Brett Tams

LO Jobs; Production Efficiency, HELOC, Database Mining Tools; FHA, VA, USDA Changes; Freddie’s $2.7 Billion in Profits

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LO Jobs; Production Efficiency, HELOC, Database Mining Tools; FHA, VA, USDA Changes; Freddie’s $2.7 Billion in Profits

By:
Rob Chrisman

3 Hours, 10 Min ago

The talk here in Missoula is about general inflation, and continued reductions & cutbacks as our biz hunkers down. Yet a mortgage publication just raised its subscription prices, only telling readers, “Good news, you don’t need to take any action,” then something about “auto renew… we’ll simply charge the payment method on file…” We all try to save money wherever possible. And price changes are wide-ranging… think global. Yesterday I flew into Montana and enjoyed, in my seat at 22D, a can of Minute Maid Apple Juice, produced by the Coca Cola Company. What could be more American?! Think again. A glance at the ingredients showed the can contained apple juice from the U.S.A, Argentina, Chile, China, Turkey, Hungary, Austria, Poland, and Italy. I kid you not. No wonder world events impact the price of goods here. Looking for less amenities and a higher monthly payment in your next home search? Well, Lending Tree recently released a report on just how costly buying a house in a town can get, “micropolitan” style. Of towns with populations between 10,000 and 50,000, the most expensive median home values were in Vineyard Haven, MA, Jackson, WY, and Breckenridge, CO. (Today’s podcast can be found here, 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.)

Lender and Broker Software, Products, and Services

HELOCs, HELOCs, HELOCs! In this market, if you’re a loan originator and not fully dialed in to them, what are you waiting for? Especially when you have a lender like The Loan Store paying you 200 bps per loan. The kids trick-or-treated earlier this week, but 200 bps for a HELOC is like candy for adults, on a regular basis. Conveniently enough, The Loan Store is hosting a webinar next week to teach LOs how to best sell HELOCs and explain how HELOCs tie into the new TLS Consumer Rewards Program. Sign up for the webinar here.

“At Usherpa we have a saying, ‘Born in a branch. Forged in a meltdown.’ Most of our team, including myself, Dan, and Chris Harrington, have been in the mortgage industry since the mid-nineties in a branch where I originated loans and Chris processed them. We started a department in 1995 for CTX Mortgage where our sole purpose was to provide opportunities for loan officers to do more loans. In the mortgage meltdown of 2008, we were laid off like so many others, and started Usherpa. Today, our purpose is the same: Provide opportunities for loan officers to do more loans. In this unprecedented market, we are humbled and grateful to be partnered with so many wonderful loan officers, helping them close more deals and strengthen their repeat and refer business relationships. We will get through this together. Thank you all for allowing us to serve.”

Freddie Mac Checks In

Freddie Mac (OTCQB: FMCC) reported its Third Quarter 2023 financial results and filed its Quarterly Report on Form 10-Q with the U.S. Securities and Exchange Commission. The company’s Form 10-Q and earnings press release, along with the Third Quarter 2023 financial results supplement are available now on the Investor Relations page of the company’s website.

Freddie reported $2.7 billion in profits, a 104 percent year-over-year increase in net income in the third quarter. That boost in earnings came at the same time as a 30 percent decline in new business activity, attributed to Freddie’s credit loss reserve activity. In the third quarter of 2022, Freddie booked a $1.78 billion provision for credit losses versus a $263 million benefit for the three months ending Sept. 30.

FHA, VA, and Government Program News

October 27th, the Federal Housing Administration (FHA) began implementing security enhancements that will require the use of multi-factor authentication (MFA) to access certain of its websites and systems. View FHA INFO 2023-83 for details on the systems MFA will be implemented.

FHA published a Federal Register (FR) Notice, Home Equity Conversion Mortgage (HECM) for Purchase – Acceptable Monetary Investment Funding Sources and Interested Party Contributions [Docket No. FR-6382-N-01], for public comment. This FR Notice serves to inform the public of FHA’s changes to the HECM for Purchase program by expanding the list of acceptable funding sources, including premium pricing, and permitting additional interested party contributions to satisfy a HECM borrower’s monetary investment requirement.

USDA Rural Development issued a bulletin announcing The Single-Family Housing Guaranteed Loan Program (SFHGLP) revisions to technical Handbook-1-3555, Chapter 8, Applicant Characteristics; Chapter 14, Funding; Appendix 3, Review and Appeals; and Appendix 5, Income Limits. These changes became effective upon the recent issuance of a Procedure Notice (PN).

Get “Back to Basics” with the Single-Family Housing Guaranteed Loan Program. 100 percent financing with zero down payment? Why, yes you CAN! Learn about the USDA Single Family Housing Guaranteed Loan Program and how it can expand your loan portfolio…It’s as easy as 1-2-3!

Rural Development announced that Housing Assistance Corporation has expanded its service area to include South Carolina. An updated intermediary coverage map has been posted on the Direct Loan Application Packagers page.

PRMG posted updates and clarifications in PRMG Product Update 23-49: Product Profile Updates including its alignment with the changes to FHA Standard and High Balance announced by HUD in Mortgage Letter 2023-17. Updated Onyx Jumbo requirements for rental income from current principal residence that is being converted to an investment property. Loan Level Price Adjustments (LLPAs) clarification on Expanded Access and Investor Solution. CO CHFA Conventional. Regardless of condo approval option used, a current condo budget must be provided and reviewed by the condo team for CO CHFA Conventional product.

In addition to agency loans, Plaza Home Mortgage® now offers the option to eClose for FHA, VA and USDA loan. Provide the best experience for borrowers with the convenience to review and sign all closing documents online; including the loans which require a notary with Remote Online Notarization (where available).

Plaza Home Mortgage recently launched new FHA 100 percent CLTV Combo Loan Program. This new program offers 100 percent financing by combining a FHA first lien at 96.5 percent and a concurrent second lien of up to 3.5 percent to assist with down payment and/or closing costs. Additional highlights include a minimum 600 FICO, a 30-year fixed-rate FHA first lien, no income limits, and eligibility in most states (except for NY and WA.).

Capital Markets

For the third time in the past four policy meetings, the Federal Open Market Committee (FOMC) yesterday unsurprisingly kept steady on interest rates. Even with the Committee keeping the door open to hiking again, investors reading Fed Chair Powell’s tea leaves are leaning toward a potential end to further hikes, and it appears to us that the bar for further rate increases is getting increasingly higher. The Fed acknowledged tighter credit conditions from high interest rates and tighter financial conditions from a steepening yield curve with the expectation being that it will eventually weigh on economic growth. In the wake of the meeting, the market sees even lower odds of another hike and is now pricing in a potential cut a bit earlier than it had previously.

We also learned that, according to the ADP Employment Report, after the economy posted the weakest advance in jobs in two years during September, it added 113k jobs in October, fewer jobs than forecast. Though we will receive more clarity from tomorrow’s payrolls report where 183k jobs are expected to have been created in October, this report suggests that demand for workers in a robust labor market may be starting to wane. Separately, the U.S. Treasury announced its plans for upcoming auction sizes, revealing that the total size of next week’s note and bond sales will be a bit smaller than what the market had expected. Treasury noted that it expects to increase auction sizes again next quarter to meet higher funding needs.

Today’s calendar kicked off overseas with both Norges Bank and the Bank of England releasing its latest decisions, holding rates steady at 4.25 percent and 5.25 percent, respectively. Domestically, Challenger, Gray & Christmas released job cuts for October: U.S.-based employers announced 36,836 cuts in October, a 22 percent decrease from the 47,457 cuts announced one month prior but 9 percent higher than the 33,843 cuts announced in the same month last year. We’ve also received weekly jobless claims (217k, up from 212k last week), and preliminary Q3 productivity and unit labor costs (+4.7 percent and -.8 percent, respectively). Later today brings September factory orders, Freddie Mac’s latest Primary Mortgage Market Survey, and remarks from interim St. Louis Fed President Paese. We begin the day with Agency MBS prices better than Wednesday evening by .250-.375, the 10-year yielding 4.67 after closing yesterday at 4.79 percent, and the 2-year down to 4.93.

Jobs

Planet’s multi-channel business model gives our MLOs the stability to meet any market head on. Planet’s team has access to exclusive creative product solutions such as Purchase EDGE. These novel products are attracting more MLOs and Branches eager for a secure future in the mortgage industry. Advance your career, and your market position, by moving to a top lender that values professionalism and innovative thinking. Contact VP of Talent Peter Briggs or 949-202-8213. All inquiries are held in strict confidence.

“At Fairway Independent Mortgage Corporation, customer service is a way of life. #FairwayNation mortgage loan officers are dedicated to finding great rates and loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted mortgage advisor, providing highly personalized service and helping you through every step of the loan process, from application to closing and beyond.”

Don’t forget that private mortgage insurance companies are hiring: MGIC, National MI, Arch MI, Radian, Essent, and Enact (in no particular order). And while’s we’re at it, Fannie Mae and Freddie Mac. And my cat Myrtle’s friend the CFPB has career opportunities.

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

Source: mortgagenewsdaily.com

Apache is functioning normally

November 1, 2023 by Brett Tams

Did you know that there is an easy way to earn money while driving your car? Yes – you can get paid to advertise on your car! Car advertising is becoming more and more popular as companies are trying to find ways to reach new customers. Think of it like billboards – the companies are…

Did you know that there is an easy way to earn money while driving your car? Yes – you can get paid to advertise on your car!

Car advertising is becoming more and more popular as companies are trying to find ways to reach new customers.

Think of it like billboards – the companies are simply putting more ads on the road to hopefully sell more of their products.

If you’re interested in this idea, there are many companies that will pay you to put an advertisement on your car. This can be an easy way to make extra money in your spare time with little effort needed from you.

Quick Summary On How To Get Paid To Advertise On Your Car

Car wrap advertising is a way to earn extra money while driving like you normally do.
You may be able to earn around $100 to $400 a month with a car wrap.
Car wrap companies such as Nickelytics, Wrapify, and Carvertise are popular with this side hustle.

What Is Car Wrap Advertising?

Car advertising is when companies pay you money to put ads on your car. This makes your car like a moving advertisement while you drive around doing your normal everyday tasks (like driving to work or going to the grocery store).

This type of advertising is good for businesses because it lets their ad reach lots of people no matter where the car goes.

Many car advertisement companies use a form of car advertising known as car wrapping. The ads can cover either a part or the whole of your car, depending on what the advertiser wants.

Here are two examples of the types of car wraps:

Full car wraps – This is when full wraps are put on cars, covering the entire outside of the car with a vinyl graphic. These wraps can feature colorful designs, logos, and advertising messages related to the client’s brand or product.
Partial car wraps – Partial wraps cover sections of the car (such as doors, the back window, or specific panels). These typically pay a little less because it does not cover your entire car.

How much can you get paid to advertise on your car?

The amount you can earn from car advertising depends on things like the company you work with, the specific campaign, and the distance you drive. It’s a fairly passive income stream too, which is nice.

On average, drivers can earn around $100 to $400 per month. Also, some companies might give signup bonuses ranging from $100 to $300.

Recommended reading:

6 Ways To Get Paid To Advertise On Your Car

Below, I will be talking about 6 legitimate companies that pay you to put ads on your car.

1. Wrapify

Wrapify is a popular car wrap advertising company that pays you to advertise on your car. Companies that use Wrapify for advertisements include Petco, Cricket Wireless, Alaska Airlines, Uber, Coca-Cola, and more.

They have different levels of coverage, like full wrap, partial wrap, or panel wrap. The more coverage you choose, the more money you can earn. To get started, you need to download their app, register, and wait for an advertising campaign to join.

Wrapify pays its drivers based on the miles covered and the area they drive in. There is no minimum amount of miles that you must drive each day. Drivers in more populated urban areas can usually expect to earn more money than those in rural regions (this is because they want the most people to see the ads!).

You can earn around $264 to $452 per month for a full wrap and around $181 to $280 for a partial wrap. The full wrap will pay you the most amount of money.

2. Carvertise

Carvertise has been around since 2012, and they connect drivers with advertisers, turning your car into a mobile advertising platform. It is known for having hassle-free car wrapping with professional installation and removal of the advertising material.

Some of the brands that partner with them include Netflix, Planet Fitness, NASCAR, Wawa, Buffalo Wild Wings, Huggies diapers, and more.

Ads placed by Carvertise typically start at around $100 per month and go up to $500 per month.

To get started with Carvertise, you will submit a driver application that asks questions like where you normally drive. Then, you’ll be matched to a brand that is looking for your driving habits. After that, you get your car wraps and Carvertise will pay you each month through direct deposit.

Once your campaign is over, Carvertise then removes the wrap for you (you don’t pay for this, they do), and they will then look for another advertising partnership for your car.

3. Nickelytics

Nickelytics is looking for gig economy drivers who want to make extra money by wrapping their cars (such as people who drive for DoorDash, Lyft, and even rideshare drivers).

To get started, you simply download the Nickelytics app on your phone. They will ask you questions about yourself and the car you have. Then, they will ask you to turn on the app while you’re driving so that they can see where you drive and the mileage you are driving. This is so that they can better match you with companies. Once you are matched with a company, you will then get the wrap installed.

They pay around $175 to $250 each month that you drive around in a wrapped vehicle.

4. StickerRide

StickerRide is a company that lets you turn your car into a mobile billboard and wrap your car for money. The site is app-based, and you can choose the campaign offers that interest you.

This StickerRide app gives you points for each driven mile, and you can earn more depending on the location and time of day. StickerRide also has other ways to increase your earnings, such as by taking part in quests and flash mobs where you drive to a specific location so that the car advertising can be seen by more people.

You receive around one point for each mile driven, and each point is worth around $0.01 in the U.S. (and £0.1 for the UK).

5. Stickr

Stickr is a little different from the other sites above that pay you to place sticker ads on your car. This is because they don’t wrap your whole car or even panels on your car. Instead, they do rear window advertising.

The company provides drivers with an opportunity to make a passive income by simply placing an advertisement on a car’s back window.

To join this site, you simply sign up online, choose a campaign and car advertising decal, and then it will be shipped to you with simple instructions for applying the decal to your car.

Stickr says you can earn up to $2,300 in cash and gift card compensation each year.

6. Free Car Media

Free Car Media is another company where you can get paid to wrap your car. It can take anywhere from 3 days to several months in order to be matched with a company that wants to place an ad on your car.

This site does both full wraps and rear window wraps, and their campaigns can last anywhere from 6 to 24 months (or sometimes even longer).

Free Car Media claims that you could make up to $400 per month, depending on the advertiser and campaign.

Getting Started With Car Advertisements

Here’s how to get started with getting paid to put an advertisement on your car.

Eligibility criteria

Before you can get paid to advertise on your car, you’ll want to see what the car advertising companies require from you. Most companies require their drivers to have a clean driving record and pass a background check.

Also, you should have a valid driver’s license, car insurance, and be at least 18 years old. Some companies may also want your car to be a specific make, model, or year and be in good condition visually and mechanically. Many will ask for pictures of your car from different angles too.

Application process

Once you meet the eligibility requirements, the application process is pretty easy. First, research and choose a real company like Wrapify, Carvertise, or Nickelytics. Then, register with the company by submitting your personal information, your driving record, vehicle details, and some photographs of your car. Many of the car advertising companies above have a mobile app to download, available on Google Play or the App Store, which will make this all very easy.

After that, the company may perform a background check to make sure that you’re a reliable driver (after all, you would be representing the company that you are advertising for). Once you’re approved, you’ll then be matched with an advertising campaign, and your car will be wrapped with the advertisements.

How to get started with car advertisements

Here are the typical steps when it comes to getting paid for car ads with the different car advertising companies:

Register – Join the car advertising site of your choice by filling out an application online through your laptop or cell phone app (Android or Apple). This usually includes answering basic information about yourself, your driving habits (such as the number of miles you drive a day and your commute route), and details of your car such as make, model, and year.
Understand the contract – Carefully read the contract provided by the advertising company. Look for the length of the advertising campaign, expected driving routes, how and when you get paid, and any potential penalties for early termination of the contract or not meeting the driving requirements.
Get your car wrapped – Once you are matched with a company, the advertising company will wrap your car with the advertiser’s brand. The wrap is usually professionally installed and removed without damaging your car’s paint.
Start driving – After the wrap is installed, all you need to do is drive as you normally would. Your earnings will be calculated based on the agreed contract.

Remember, every company has different terms and procedures, so always thoroughly research each company before signing up.

Pros and cons of car advertising

There are pros and cons of car advertising. These include:

Pros:

Extra income – Car advertising can be a great way to earn some additional money without significantly changing your daily routine.
Flexible way to make extra money – You can choose the car advertising campaigns you participate in and how much you want to advertise on your car.
Low effort – After the initial setup of applying the ad to your car, there’s little additional effort required. All you need to do is drive so that people can see the ad.

Cons:

Limited control over ads – You may have limited control over the choice of advertisements displayed on your vehicle.
Potential wear and tear – If you do this a lot, then the frequent application and removal of ads could cause wear and tear on your car’s paint and finish over time.
Privacy concerns – With an advertisement on your car, you may experience a reduced sense of privacy while driving. For example, some people may come up to you while you’re parked to ask you questions, or they may assume that you have free stuff to give away inside.

Car advertising allows you to earn money while driving, but you’ll want to weigh the pros and cons first.

How To Recognize Car Advertising Scams

While there are legitimate car advertising sites, it’s important to be aware of the risks and know that car wrapping scams exist. There are MANY scams out there in the car-wraps-for-money industry.

Here are a few tips to help you avoid car advertising scams.

Real car advertising companies never ask for money up front – You should be suspicious of any company that requires payment or investment from you to get started. None of the companies above will ask you for money. There should also be no fees for decal installation or removal from a car wrapping company.
Too-good-to-be-true offers – If a site is saying that you’ll receive thousands of dollars a week for car advertising, it is most likely a scam. Real companies typically pay just a couple hundred dollars each month – this is not a full-time job.
Unsolicited offers and contacts – Scammers may send you a random email, cold phone calls, or social media messages with offers to get your car wrapped. But, I recommend sticking only with the reputable companies that you have done your own research on.
Poorly designed websites or communication – Scam companies may have unprofessional websites, use poor grammar, or have broken links. You should ignore these companies unless you are 1000% positive that it is real.

FAQs About Getting Paid To Advertise On Your Car

Below are answers to common questions about how to get paid to advertise on your car.

Do companies really pay to advertise on your car?

Yes, many companies will pay to advertise on your car, and this is a real way to make extra income. These are usually marketing agencies and brands that are looking for unconventional and cost-effective ways to reach new customers. They take advantage of everyday commuters to display their ads, making car advertising a win-win situation for both drivers and advertisers.

How much can you earn with car advertising? How much can I get paid to put an advertisement on my car?

You can earn between $100 to $500 per month, depending on the coverage of advertisement on your car. Smaller wraps, which may cover your doors or rear window, can earn you between $100 to $250. Full wraps that cover your whole car can make you around $250 to $500 each month. A car ad campaign typically lasts for several months.

What companies pay you to put their logo on your car?

There are many real companies that pay for advertising on your car, such as Wrapify, Carvertise, and Nickelytics. Before signing up, you should always research the company and make sure it is legitimate and trustworthy.

How much do you get paid to Carvertise?

Earnings through Carvertise can vary based on factors like the duration of the campaign, your location, and coverage of the advertisement. Ads placed by Carvertise can usually earn you around $100 to $500 each month.

How much does Wrapify pay?

With Wrapify, you can earn around $264 to $452 per month for a full wrap and around $181 to $280 for a partial wrap. The full wrap is the highest way to get paid to wrap your car.

Will Red Bull pay you to advertise on your car?

Red Bull does not pay for car advertisements. This is a common scam and you will not get paid to wrap your car for Red Bull. You can read more about this on Red Bull’s website here.

Can I choose which advertisements go on my car?

Typically, the advertising company matches drivers with advertising campaigns based on the information you answer when you register. Some companies may give you the option to reject campaigns that you’re not comfortable with, while others may assign campaigns automatically.

What types of ads are used for car advertising?

Car advertising usually involves using vinyl wraps or decals applied to your car’s exterior. There are three main types: small wraps, which cover only your doors and rear window; partial wraps, which also include side panels and the back of your car; and full wraps, which cover the entire surface of your car. The material is designed to protect your car’s paint job and can be removed without damage when the advertising campaign is over.

How To Get Paid To Advertise On Your Car – Summary

Car advertising is a real method of earning extra cash by allowing companies to display their advertisements on your car.

Companies such as Wrapify, Carvertise, Nickelytics, and others are real paid car advertising opportunities.

You can potentially earn a significant amount from car advertising each year, depending on factors like the advertising company, your location, the type of car you have, and the amount of driving you do. Plus, it also depends on whether you choose to do a full car wrap or a small decal.

If you want to start making money advertising on your car, then check out the sites above!

Are you interested in learning how to get paid to advertise on your car?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

November 1, 2023 by Brett Tams

Delaware may be one of the nation’s smaller states, but it certainly packs a punch in character and opportunity. From its strategic location on the East Coast and tax-friendly policies, to its vibrant communities and natural beauty, there is much to appreciate about life in the First State. However, like any location, living in Delaware has its share of drawbacks. In this Redfin article, we will look at what it’s like to call this state home, exploring the unique pros and cons of living in Delaware. So whether you’re looking for homes for sale in Wilmington, apartments in Dover, or just want to learn more about the area, join us as we embark on a journey through the First State.

Pros of living in Delaware

1. No sales tax and other great tax benefits

One of the standout advantages of living in Delaware is the absence of a state sales tax. This unique feature sets Delaware apart from many other states in the U.S. Residents of the “First State” can enjoy tax-free shopping, making their dollars stretch further and saving significantly on everyday purchases, big-ticket items, and even luxury goods. Additionally, the state does not tax Social Security income, and no inheritance or estate tax exists. These favorable tax policies contribute to a lower overall tax burden for individuals and families, offering an attractive financial incentive for those who appreciate keeping more of their hard-earned income.

2. Proximity to major East Coast cities

Delaware’s prime location on the East Coast offers a significant advantage to its residents. Positioned between the bustling urban centers of New York City and Washington, D.C., Delaware provides quick and convenient access to these metropolitan hubs’ cultural, economic, and professional opportunities. The state’s well-connected transportation infrastructure, including I-95 and Amtrak, makes commuting or weekend getaways a breeze. This geographic advantage allows Delawareans to enjoy the benefits of living in a more relaxed and affordable environment, while still having the vast array of amenities and services of major cities just a short journey away.

3. Beautiful coastal areas

The state boasts a stunning stretch of coastline along the Atlantic Ocean, featuring pristine beaches such as Rehoboth, Bethany, and Dewey Beach, each with a unique character. These coastal havens offer opportunities for sunbathing, swimming, water sports, and scenic walks along the boardwalks. Additionally, Delaware’s coastal areas are home to picturesque fishing villages like Bowers and charming beach towns, each exuding a sense of nostalgia and offering delectable seafood dining options.

4. Historic charm and cultural heritage

As one of the original 13 colonies, the state boasts a rich legacy celebrated through numerous historic sites and museums. Delaware enchants residents with its rich tapestry of history, ranging from the charming colonial-era buildings in New Castle to Dover’s pivotal role in early American history. Its charming historic districts and landmarks provide a living connection to the past, while cultural festivals, arts communities, and educational institutions help foster a dynamic appreciation for heritage.

5. Sense of community

Delaware’s residents often praise the state’s strong sense of community, fostered by numerous small towns and close-knit neighborhoods. Communities frequently unite for local events, festivals, and volunteering, reinforcing neighborly bonds and nurturing a supportive, inclusive atmosphere. The state’s modest size maintains this sense of connection even in larger cities, ensuring a network of support and meaningful relationships. This pervasive sense of belonging significantly enriches residents’ quality of life, adding to Delaware’s charm and making it an inviting place to live.

Cons of living in Delaware

1. High cost of living in certain areas

While Delaware offers diverse, appealing features, including its tax benefits and coastal beauty, it’s not without drawbacks, particularly concerning the cost of living in specific areas. Sussex County, famed for its scenic coastal communities, experiences a cost of living approximately 3% higher than the national average, driven in part by the elevated demand for housing in these picturesque towns. The state’s median sale price, at $341,500, is lower than the national median of $412,001. However, the median sale price in Lewes soars to $596,000, underscoring the considerable discrepancy in real estate costs. This higher cost of living in select areas can pose financial challenges for residents, affecting housing affordability and everyday expenses but there are many affordable places to explore.

2. Limited public transportation options

One notable drawback of living in Delaware is the limited public transportation options, particularly in some less urbanized areas. While the state’s metropolitan regions offer some public transit services, like Dover, which has a transit score of 28, the coverage and frequency of these systems can be limited. This leaves residents in more rural or suburban areas reliant on personal vehicles for commuting and daily transportation. This lack of extensive public transport can lead to increased traffic congestion, higher commuting costs, and limited accessibility for those who do not own a car.

3. Extreme weather fluctuations

Delaware’s weather patterns are characterized by extreme fluctuations, which can be a considerable con for residents. The state experiences all four seasons, but their transitions can be abrupt and unpredictable. Winters can bring heavy snowfall and cold temperatures, while summers can deliver sweltering heat and high humidity. Although often pleasant, the spring and fall seasons can also be marked by sudden weather changes, including severe thunderstorms and even hurricanes in some years. These rapid shifts can challenge planning outdoor activities and dressing for the day.

4. Coastal flooding and hurricane risks

With a significant portion of the state’s population concentrated along the Atlantic coast, Delawareans are more exposed to the potential consequences of coastal flooding and hurricanes. During hurricane season, the state faces the risk of severe storms and rising sea levels, which can lead to flooding, property damage, and displacement of residents. While the state has implemented measures and emergency response plans, including potential evacuation protocols, the recurrent threat of hurricanes can be a cause for concern, impacting both homeowners and the overall quality of life.

5. Smaller job market

The number of job openings and career advancement prospects can be more limited than larger metropolitan areas. The state’s compact size also means that commuters often look beyond Delaware’s borders for job options, adding to the complexity of the employment landscape. Consequently, career growth and industry diversity can be challenging, making it more difficult for professionals in certain fields to find their desired positions within the state.

Pros and cons of living in Delaware: Bottom line

Ultimately, the decision to call Delaware home depends on individual priorities and preferences. For some, the state’s serene coastal beauty and tax benefits may outweigh the disadvantages. For others, the challenges may weigh more heavily. Ultimately, living in Delaware balances the pros and cons to create a unique and fulfilling lifestyle in the “First State.”

Source: redfin.com

Apache is functioning normally

October 30, 2023 by Brett Tams

Your new life in a Nashville suburb awaits.

Often celebrated for its rich musical legacy and legendary nightlife, Nashville is surrounded by suburbs that offer unique living experiences for every preference. From historical hotspots to serene lakeside communities, each suburb paints its own picture of life on the outskirts of the famed Music City.

As more people seek the perfect blend of urban conveniences and suburban tranquility, of rolling hills and bright lights, understanding what each of these locales brings to the table is key. In this article, we journey through some standout suburbs of Nashville, unraveling the distinct charm that makes each one a desirable place to call home near Music City.

Population: 45,491
Average age: 42.6
Median household income: $165,948
Average commute time: 25.1 minutes
One-bedroom average rent: $2,162
Two-bedroom average rent: $2,687

Brentwood stands out as one of the premier Nashville suburbs. Located just south of the city, Brentwood offers the ideal balance between the excitement of Nashville and the tranquility of suburban living. Families are particularly drawn to the area for its commitment to education, as the local schools consistently rank among the top in the state. The town’s spacious parks, including Marcella Vivrette Smith Park and Crockett Park, provide residents with more than enough opportunities for outdoor recreation and relaxation under the shining Nashville sun.

Three great apartment complexes in Brentwood

Adding to Brentwood’s appeal is its rich history, which dates back to the late 1700s. The well-preserved homes dotting the landscape serve as reminders of the area’s storied past, while the modern shopping centers and restaurants cater to contemporary tastes.

Population: 85,469
Average age: 37.5
Median household income: $102,721
Average commute time: 24.2 minutes
One-bedroom average rent: $1,829
Two-bedroom average rent: $2,477

Among the Nashville suburbs, Franklin shines. Established in 1799, this picturesque town has beautifully maintained its historic downtown, where brick-lined streets lead to independent boutiques, coffee shops and antique stores. The town’s Main Street is a hub of activity, with frequent festivals, parades and events that bring the community together.

Three great apartment complexes in Franklin

On the flip side, Franklin isn’t just about reliving history; it’s also forward-looking. This Nashville suburb on the gorgeous Harpeth River has a thriving business district that offers ample employment opportunities. As connectivity is essential, Franklin’s proximity to Nashville ensures residents can enjoy big-city amenities while residing in a town with a close-knit community feel.

Population: 62,257
Average age: 40.1
Median household income: $75,146
Average commute time: 27.6 minutes
One-bedroom average rent: $2,243
Two-bedroom average rent: $1,624

Situated along the scenic shores of Old Hickory Lake and the Cumberland River, Hendersonville is one of the most attractive Nashville suburbs there is. Its lakeside setting not only offers breathtaking views but also a range of water-based activities. Residents enjoy fishing, boating and picnicking along the water’s edge, granting them a lifestyle that seamlessly combines the leisure of lake living with the convenience of the suburbs. Additionally, the town’s extensive park system, including the popular Drakes Creek Park, further enhances the opportunities to get outside.

Three great apartment complexes near Hendersonville

Beyond its natural beauty, Hendersonville is a hub of growth and development. With a wide range of housing options, from charming single-family homes to modern apartments, Hendersonville caters to a broad demographic. And with Nashville just a short drive away, the allure of city life remains within reach.

Population: 40,766
Average age: 38.5
Median household income: $98,628
Average commute time: 30.6 minutes
One-bedroom average rent: $1,624
Two-bedroom average rent: $1,949

Often referred to as the “Gateway to the Appalachians”, Mount Juliet holds a distinct position among Nashville suburbs. Its rapid growth in recent years can be attributed to a combination of factors. For starters, the suburb has seen significant commercial development, making it a hub for shopping and dining. You also can’t mention Mount Juliet without noting the impressive Providence Marketplace, a central destination for locals and visitors.

Three great apartment complexes in Mount Juliet

Yet, it’s not just about attractions. Mount Juliet balances its bustling commercial centers with serene landscapes and open green areas. Percy Priest Lake is a prime spot for fishing, boating and kicking back for a bit. The suburb also places a strong emphasis on community engagement, often organizing events and festivals that foster a sense of belonging for all.

Population: 55,518
Average age: 33.8
Median household income: $70,879
Average commute time: 27.3 minutes
One-bedroom average rent: $1,387
Two-bedroom average rent: $1,480

Smyrna’s history is deeply tied to aviation, with the Smyrna Airport playing a pivotal role during World War II. Today, the suburb continues to honor its heritage through the Tennessee Museum of Aviation, showcasing a vintage aircraft collection. This connection to aviation also paved the way for modern industrial growth, attracting several businesses and providing ample employment opportunities for its residents.

Three great apartment complexes in Smyrna

Smyrna is dotted with lush parks, green spaces and walking trails, most notably the Greenway System, where residents can enjoy the great outdoors and the true beauty of the surrounding nature. Additionally, Smyrna places a strong focus on education and community involvement, with schools that are dedicated to academic excellence and numerous community events held throughout the year.

Population: 157,519
Average age: 30.6
Median household income: $66,984
Average commute time: 19.2 minutes
One-bedroom average rent: $1,404
Two-bedroom average rent: $1,677

Standing proud as one of the most dynamic Nashville suburbs, Murfreesboro seamlessly merges history with the modern day. As the site of the significant Civil War battle, the Stones River National Battlefield serves as a testament to the town’s deep historical roots, attracting residents and tourists interested in the nation’s past.

Yet, while history is a cornerstone of its identity, Murfreesboro is equally recognized for its forward momentum. Home to Middle Tennessee State University, the town is infused with youthful energy, especially on Saturdays during football games.

Three great apartment complexes in Murfreesboro

Murfreesboro has a range of amenities that cater to a diverse population. The Avenue Murfreesboro, for instance, provides a shopping and dining experience that rivals any urban center. Green spaces, like Cannonsburgh Village, offer a glimpse into the pioneer times of Tennessee and so much more.

Population: 46,902
Average age: 38.4
Median household income: $62,881
Average commute time: 26.4 minutes
One-bedroom average rent: $1,405
Two-bedroom average rent: $1,699

Positioned along the northeastern edge of the greater Nashville suburbs, Gallatin provides a blend of scenic beauty and community spirit. Residents frequently indulge in boating, fishing and picnicking by Old Hickory Lake. Furthermore, the town’s green spaces, like Lock 4 Park and Triple Creek Park, provide additional avenues for outdoor adventures, bringing residents closer to nature whenever they please.

Three great apartment complexes in Gallatin

While nature’s beauty is undeniable in Gallatin, it’s the town’s commitment to growth and community that truly sets it apart. This Nashville suburb has invested heavily in infrastructure, education and local businesses, ensuring that its inhabitants have access to top-tier facilities and opportunities. Regular events, from farmers markets to music festivals, enhance the sense of community, encouraging residents to engage with neighbors and celebrate their shared home.

Population: 38,557
Average age: 36.3
Median household income: $66,793
Average commute time: 28.1 minutes
One-bedroom average rent: $1,249
Two-bedroom average rent: $1,553

Named after the historic home of President Andrew Jackson, Hermitage holds a distinguished place among Nashville suburbs. The area is steeped in history, and The Hermitage estate itself stands as a monumental tribute. This rich historical background provides the community with a unique identity, blending the tales of yesteryears with the rhythm of contemporary suburban life.

Three great apartment complexes in Hermitage

Beyond its historical significance, Hermitage provides a range of modern amenities and conveniences. With a smattering of shopping centers, restaurants and rec facilities, the needs of Hermitage residents are well-catered for. Proximity to the heart of Nashville means that the pulse of the city is never far away, while the serene landscapes of places like Percy Priest Lake provide a tranquil escape.

Population: 53,339
Average age: 34.4
Median household income: $92,779
Average commute time: 32.3 minutes
One-bedroom average rent: $1,290
Two-bedroom average rent: $1,560

Spring Hill, with its strategic location straddling Williamson and Maury counties, has emerged as a notable contender among Nashville suburbs. Though very rural in the past, Spring Hill has evolved considerably over the years, witnessing substantial growth and development, making it an attractive option for families and professionals alike.

Three great apartment complexes in Spring Hill

Spring Hill offers a variety of housing options, from traditional homes to contemporary townhouses, catering to a broad spectrum of preferences. The local economy has also seen a boost with the presence of major corporations, providing plenty of employment opportunities. Moreover, the suburb is replete with parks, shopping centers and restaurants, ensuring residents have access to everything they need right there in town.

Population: 39,091
Average age: 32.0
Median household income: $67,102
Average commute time: 32.5 minutes
One-bedroom average rent: $1,477
Two-bedroom average rent: $1,359

Sitting comfortably on the southeastern edge of the Nashville suburbs, La Vergne offers its residents an appealing blend of affordability and accessibility. Being strategically located near key highways, it provides smooth connectivity to the heart of Nashville, making daily commutes and weekend trips convenient. This proximity to the city, coupled with its relatively more economical housing market, has made La Vergne an appealing choice for many first-time homeowners and those seeking value without compromising on location.

Three great apartment complexes near La Vergne

The serene waters of Percy Priest Lake are just a stone’s throw away. The town also places emphasis on community engagement, frequently organizing events that foster unity and neighborhood bonding. As safety and community spirit remain at its core, La Vergne continues to rise in popularity, solidifying its reputation as a valued member of the Nashville suburbs.

Your new apartment in the Nashville suburbs awaits

While Nashville continues to resonate as the heart of music and culture in Tennessee, its surrounding suburbs offer diverse lifestyles, each with its own set of attractions and comforts. Whether one is seeking a deep dive into history, a lakeside retreat, bustling commercial hubs or tight-knit community vibes, the Nashville suburbs have something to cater to every aspiration.

Choosing to live in any of these suburbs means embracing a unique blend of the serene and the dynamic, all within arm’s reach of everything Nashville has to offer. When you’re ready to find the perfect apartment in one of Nashville’s best suburbs, you know where to start your search.

Source: rent.com

Apache is functioning normally

October 27, 2023 by Brett Tams

As fab fashionistas, agile antiquers, super shoppers, and those who live for a good find are well aware, the wildly popular Round Top Antiques Fair is back for another week and weekend of some the hottest shopping in Texas, U.S. — and heck, the world.

Texas’ antique mecca, boasting a permanent population of 99, draws hundreds of thousands from across the globe twice a year for the shows. As expected, hotels and Airbnbs book months in advance, but that doesn’t stop locals from Houston and nearby cities from making a day trip. Those who pack up for the Round Top roadie are rewarded with new hot spots for food, drink, entertainment, and — obvi — shopping.

With that in mind, we’ve rounded up some of our old faves from previous trips and solicited friend and guru — let’s call her “Round Top Angie” for top shops and, thanks to Angie, the IYKYK spots where the locals like to hang.

And since Round Top weekends are as much being seen as seeing, read on for our fashion writer Gabi De la Rosa’s guide to can’t-miss fashion and shopping — especially for Houstonians.

Shop Round Top

The Original Round Top Antiques Fair, created by Emma Lee Turney in 1968, remains the epicenter of what is now known at The Antiques Show. Thousands hit Round Top last week to shop the more than 65 venues along the rural TX-237 highway and beyond.

Now through October 29 barns, tents and hayfields are home to authentic antiques, fine art, home decor, and more.

The Big Red Barn and Blue Hills

The Big Red Barn (475 Texas 237) functions as the primary Antiques Fair venue and is a massive, climate-controlled building that is unmistakable to passersby as it’s literally a giant red barn. The Annex and Continental Tent are both located adjacent to the Big Red Barn and add to the overall ambiance and sheer shopping bliss that overtakes the town during these precious fall weekends.

Where it all started over 50 years ago, the Big Red Barn will be open through October 28.
Photo by The Big Red Barn

Not far from the Big Red Barn is its sister venue, Blue Hills (1701 Texas 237), a rustic, antiques mega complex, as they approach on 237. A must-stop for any serious shopper, the destination boasts 26 acres, more than 60 vendors from around the world, and 100,000 square feet of shopping space. Hot brands and partner collabs, must-see pieces, easy access off 237, clean bathrooms, and ample free parking make this a no-brainer. Plan to spend some serious time — and money — here.

Henkel Square Market

One of Round Top’s most iconic historic squares has been reborn as a shopping, dining, bar, and gallery space that now goes by Henkel Square Market. Easily one of the town’s most popular tourist destinations, the market featuers the newly opened Kemo Sabe, the chic Texas bootmaker that helps fashion-focused shoppers step into Round Top chic with ease.

One could spend hours at Southern Beasts, where the clever Mary Lou Marks (who chats up visitors and recognizes shoppers from months and years prior) crafts whimsical animals out of vivid upholstery. We scooped up vintage headbands and bracelets and lusted over the vintage cowboy hats and gear and one-of-a-kind paintings. Upstairs, the clever folks at Starr’z hunt all over for retro mid-century modern furnishings jewelry, handbags, decorative pieces.

Next door is the exotic Sapana Dreams, (translated to “dream” in Nepali), where owner Jolie Helms curates and imports outerwear, vests, quilts, totes, and more from India and Nepal — all while empowering the impoverished crafters in those countries. A familiar Houston retail name, Helms is passionate about educating shoppers about the plight of those who create the goods for her first solo store — all while customers leave with some serious statement pieces.

A quick jaunt leads to our favorite Round Top art store, Humble Donkey Studio, a crafty playground founded by John Lowery, a former Houston marketing CEO who has turned his passion for Texan and animal-themed art into a two-story mecca of charm. Lowery celebrates in-store sales of his large paintings (in demand across the country) with wine, cowbell ringing, and the declaration that “a donkey got its wings.” We grabbed hats, small works, and even a Texas-themed doormat from the exclusive Lower40 collection.

Stylish Houstonians always make a beeline for haute Houstonian/Round Top resident Marla Hurley’s chic boutique Modernmarla, where serious shoppers can grab luxe-label shoes, accessories, clothes, and more. (Be sure to score a cheeky “Kiss My Fancy Texas A*s” T-shirt for a Lone Star look that’s totally extra.) More looks can be found at upscale jewelry destination Mallory et Cie.

Rockin’ Round Top: The 550 Market and Rockabilly Baroness

To really shop like the locals, head to The 550 Market, a cool destination that hosts pop-up parties, activations, and event a speakeasy. Those looking to rock the outlaw/rock star vibe should head to Rockabilly Baroness, The 550’s anchor space. Much like its Houston sister store the Round Top outpost offers up must-have boots to gorgeous bags – all meticulously crafted with the fine hides, exotic skins, imported leathers, and intricate beading. Consider this the one-stop show for rocker-cowboy-cowgirl chic.

Rockabilly Baroness saddles up your inner cowgirl rock star.Rockabilly Baroness

Round Top Village

Round Top Village meanwhile, showcases a mix of local handcrafted jewelry, women’s wardrobe staples, hand-poured luxury candles, exotic linens and wares, a plethora of antique vintage finds, and furniture pieces scattered throughout the shops. Look for an entire shop devoted to primitive and American farmhouse antiques. Vendors at Round Top Village include Richard Schmidt Jewelry, Simple Rags, Courtney Barton, Tutu and Lilli, Muse Collective Jewelry, Bella’s Candles, Cottonseed Trading Co, and Round Top RV Park.

Gasoline Hill & Antiques

A go-to shop for visitors looking for the cleanest porcelain and painted metal advertising on the market; inventory includes a unique mix of vintage advertising memorabilia, such as old gas pumps, oil and automotive signs, and much more. The seller takes pride in displaying items that are originals, not replicas. On top of its authentic vintage signs, look for reclaimed industrial, architectural, and contemporary furniture and accessories from all over the world. Grab some country store items like bread, dairy goods, and more.

Eat, drink, two step, and more

Lulu’s Italian restaurant and ll Cuculo bar at Hotel Lulu

Nestled just outside the bustling Henkel Square, Hotel Lulu has become a go-to for urbane visitors who stay for the scenic vistas (we fell in love with the neighboring barn characters, namely a charming donkey, bull, and some alpacas). The red-hot, in-house restaurant Lulu’s is the Italian-focused sister restaurant to the Houston locale. (Reflecting the tony crowd that favorites Armando’s, the scene at Hotel Lulu and Lulu’s is cosmopolitan, with patrons decked out in vacation chic.)

Rejoice: The beloved Lulu’s now serves breakfast.Photo via Lulu’s Round Top

Executive chef Jose Monterrosa has answered regulars’ repeated for breakfast service; find delicious starter meals here starting at 8 am. Those rising a little later can enjoy brunch, which features many lunch and dinner items. We loved the country-table-themed Uova in Purgatoria, where a farm-fresh fried egg sits in a bed of delicious red sugo sauce. Carnivores can power up with the steak and eggs, adorned with a chimichurri sauce; all go well with bloody marys, mimosas, and fresh bellinis. We ended brunch with an irresistible combo of gelato and bombolini, Italian doughnuts with crème anglaise.

Pasta dishes at Lulu’s are wildly popular, especially the carbonara, a perfectly cooked fried egg with a healthy, orange yolk centering the dish. Caviar is a good starter, and the bread service is so divine it could potentially be a meal paired with fresh butter and a full-bodied red wine. Grilled branzino and a beefy tenderloin make excellent choices for proteins, while tiramisu and gelato are sweet finishes.

Lulu’s downstairs dining room, chiseled in central Texas rock, is also worth a peek, as it’s a favorite for private parties.

For a refined sip, Hotel Lulu’s perfectly picturesque ll Cuculo bar is an absolute must-visit for pre or post-dinner cocktails, after a day out, or a romantic date night. The main bar is striking with its deep wood and blue accents, while a curtained seating area — vibrant and velvet-adorned — sports plush seating with swoon-worthy upholstery. In a city full of Instagrammable scenes, this elegant spot is photo-shoot ready.

Merritt Meat Company

The owners of Truth Barbecue, a smokin’ Houston favorite that scored top marks in Texas Monthly‘s best BBQ list, purchased Roundtop Smokehouse in Henkel Square and reopened the space to honor Lee Ellis (Merritt is his middle name). As any Houstonian knows, Truth’s brisket and sausage can disappear in minutes, not hours. Those wanting to meat up best show up early and expect lines.

Duo Modern in Market Hill

Market Hill owner Paul Michael wanted a space in his chic retail destination Market Hill where Round Top shoppers could share stories and meals. Enter the stylish Duo Modern, which features haute furnishings from Market Hill. Look for roasted sea bass, breaded branzino , oven-roasted lobster tail, rigatoni pasta, grilled beef tenderloin, a grilled pork chop, a crowd-favorite rack of lamb, and more. As expected with a Paul Michael operation, Duo Modern’s ambience is urbane, stylish, and comforting.

Ellis Motel

Created by the late restaurateur and namesake the Ellis Motel isn’t actually a motel. Instead, the Ellis Motel Lounge and Emporium has become on of Round Top’s hottest hangouts. Inside of a welcoming bungalow dating back to the 1800s, the outpost boasts an eclectic mix of art and furniture for sale. While browsing, sip on some of the best cocktails in Round Top.

Royer’s Café and Pie Haven

Royers Pie Haven in Round Top.
Royers Pie Haven Facbook

Led by JB and Jamie-Len Royer, the team at the iconic — legendary, really — Royer’s Round Top Café is all about love, customer service and lasting relationships. Upon walking through the doors of the funky, iconic establishment in Round Top, diners are greeted with a menu that will surprise and delight. Instead of the ‘typical’ small town country fare, expect what they call gourmet country food. The Pie Henkel Square Market serves up divine, freshly baked pies — grab one or three for the trip home.

Food Truck Alley at Blue Hills

Those shopping at the Blue Hills Food Truck Alley can expect a feast of options. The checklist includes Dapper Bear Seafood, Tumbleweed Food Company, Vela Farms, and Wildflyer Mead Co. The Ellis Motel Bar pop-up serves up beer, wine, and cocktails on the patio — the spicy margarita, the Bloody Mary, and espresso martini are winners. Neon Moon Coffee brews up specialty coffee and baked goods all day on the patio. Methodist Men BBQ is open from 11 am to 3 pm on the patio — but the meats go fast.

Little Cheese Shop

A cheese, wine, chocolate, and to-go gourmet shop in the heart of Round Top, Little Cheese Shop is housed in a quaint 1830s cottage. Grab fine cheeses and charcuterie fare (salami, prosciutto, pâté, mousse, smoked salmon), plus chocolate, sweet treats (we grabbed a few), spreads, chutneys, olives and pickles, crackers, and flat breads. Nothing pairs with cheese like wine; Little Cheese Shop offers a number of white, red, and sparkling bottles.

The Mark Speakeasy

Located inside Round Top’s 550 Market, The Mark is a secret speakeasy that is open Fridays and Saturdays from 8 pm to midnight for cocktails and light bar bites. A catering kitchen is available on-site for large parties and special events. Slip behind the secret door and see what it’s all about — and prepare foe a memorable night.

The Stone Cellar honky tonk

The Stone Cellar.Photo via The Stone Cellar Round Top

The Stone Cellar inhabits the refurbished La Grange train depot, which was built in 1861. The newly renovated honky tonk now features a cozy cocktail bar boasting local craft beers and wines, and cocktails aplenty. The venue is located less than a quarter of a mile from the Round Top Town Square and offers live music every Friday, Saturday, and Sunday.

Don’t head back without visiting…

Round Top Festival Institute’s Festival Hill

The James Dick Foundation for the Performing Arts and its sole project, Round Top Festival Institute, were founded in 1971 by world-renowned concert pianist James Dick. Launched with just a handful of gifted young pianists in rented space on the town square, the project is now an internationally acclaimed music institute for aspiring young musicians and distinguished faculty. The foundation has developed superb year-round education and performance programs. Its must-visit, 210-acre campus Festival Hill boasts major performance facilities, historic houses, extensive gardens, parks, and nature preserves.

St. Martin’s Catholic Church

Known as the world’s smallest Catholic church, St. Martin’s celebrates mass on a monthly basis inside the 192-square-foot church, which holds six rows of pews that can accommodate 20 people.

Texas Cotton Gin Museum

Preserving the history of cotton and cotton ginning in Texas, the Texas Cotton Gin Museum is home to the 1914 Burton Farmers Gin — the oldest operating cotton gin in America. Recognized by the American Society of Mechanical Engineers, the Smithsonian Institution, the National Trust for Historic Preservation, and the National Register of Historic Places, the museum transports guests to an era that defined the quintessential American — and most definitely, Texan — can-do spirit.

A note to first-timers: the entire experience can be daunting for Round Top newbies, and to add even more spice to the mix, each venue has varied dates. Make sure to check (and double-check) when your destination of choice will be open. With all that in mind, we’ve rounded up where to find the best fashion finds both vintage and new during the Round Top 2023 Fall Show.

Finally, some must-hit spots for serious style shoppers(by Gabi De la Rosa)

Unsubscribed plus Houston brands at Blue Hills

Slow and sustainable fashion brand Unsubscribed is this year’s brand partner at Blue Hills.Photo by Unsubscribed/Instagram

This year, Blue Hills has partnered with sustainable brand Unsubscribed, which focuses on consciously made-slow fashion pieces created to outlast trends and ultimately have a more sustainable effect on shoppers’ wardrobes.

In addition to the Blue Hills barns, tents, and showrooms brimming with the best fashion, home decor, and antiques, several Houston brands will be onsite. Houstonians should be sure to hit Christy Lynn,Hibiscus Linens, Carla Valencia Designs, and more.

Round Top Village

One of Round Top’s newest shopping destinations, Round Top Village is great for fashion and art. Visitors will find Courtney Barton, Tutu and Lilli, Richard SchmidtJewelry, and more.

Zapp Hall

Housed in a historic dance hall from the early 1900s, Zapp Hall welcomes shoppers in search of various antiques, including genuine vintage fashion. Come for the antiques, stay for the atmosphere.

The Arbors

The Arbors is open twice yearly and features more than ten tents with great fashion, home decor, and antiques. Shoppers can get their hands on items from Arloom, Topped Hats, Stylish Sloan, Ole San Miguel, and more.

Check out Arloom at Blue Hills and Arbors during the fall show.Photo by Arloom/Instagram

Source: houston.culturemap.com

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October 24, 2023 by Brett Tams

Ready to make the move to Rhode Island?

Rhode Island may be the smallest in the U.S., but it packs a punch when it comes to quality of living. With its breathtaking coastlines, historic downtowns and buzzing cities, it offers residents an unparalleled living experience.

For those considering a move to this New England gem, the choices might seem overwhelming. Yet, there are certain towns that stand out among the rest, consistently securing their spots on the list of the best places to live in Rhode Island. This article delves into these prime locations, highlighting what makes each one shine.

Population: 189,692
Average age: 31.2
Median household income: $55,787
Average commute time: 22.8 minutes
One-bedroom average rent: $2,062
Two-bedroom average rent: $2,450

In the heart of the Ocean State, Providence stands out as one of the best places to live in Rhode Island. This dynamic city combines the charm of historic New England with modern amenities and an innovative spirit. Cobblestone streets, colonial architecture and picturesque waterfront scenes make for delightful strolls downtown, while foodies can enjoy the renowned culinary scene, ranging from food trucks to upscale dining. Not to mention, the renowned Rhode Island School of Design (RISD) and Brown University infuse the city with a youthful and intellectual energy.

Providence’s neighborhoods each offer their own distinct charm. From the hipster hangouts in the West End to the upscale boutiques of Wayland Square, there’s a corner for everyone in this compact city. For those who seek green spaces, Roger Williams Park is a sprawling oasis with lakes, rose gardens and even a zoo. As the sun sets, WaterFire, an artistic fire installation on the three rivers that run through the city, brilliantly lights up the night, drawing locals and tourists alike in droves.

Population: 13,103
Average age: 45.8
Median household income: $133,373
Average commute time: 24.6 minutes
One-bedroom average rent: $1,500
Two-bedroom average rent: $1,820

East Greenwich often tops the list when discussing the cities to live in Rhode Island, and with good reason. This charming, historic town boasts a district that looks like it’s straight out of a storybook, with brick facades and tree-lined streets. Main Street is the heart of the town, where residents gather for community events or simply enjoy a leisurely afternoon under the Northeastern sun.

Being the state’s wealthiest municipality, East Greenwich provides an upscale living experience without losing its small-town charm. It’s also home to some of the highest-rated schools in the state, making it a favored choice for families. Beyond that, the town’s marina is a nod to Rhode Island’s deep maritime roots, offering residents a chance to hit the water or simply enjoy the serene views of Narragansett Bay.

Population: 22,131
Average age: 43.5
Median household income: $95,102
Average commute time: 25.5 minutes
One-bedroom average rent: $1,000
Two-bedroom average rent: $2,500

When talking about the top spots to live in Rhode Island, Bristol inevitably earns its place under the spotlight. This picturesque coastal town exudes a sense of history that’s palpable with every step along its Freedom Trail, marked by red, white and blue stripes. As home to the oldest continuously celebrated Independence Day festivities in the U.S., every July, Bristol transforms into a hub of patriotic spirit, drawing crowds from all over the region with its elaborate parades and stunning firework displays.

But Bristol isn’t just the place to be on the Fourth of July. The town has a year-round allure thanks to its waterfront views, historic homes and a welcoming town center dotted with shops and eateries. Colt State Park, with its expansive green spaces and breathtaking vistas of Narragansett Bay, is a haven for nature lovers. Additionally, Roger Williams University adds a youthful dynamism to the town.

Population: 83,011
Average age: 45.1
Median household income: $77,110
Average commute time: 24.9 minutes
One-bedroom average rent: $1,596
Two-bedroom average rent: $2,100

With its strategic location and undeniable charm, Warwick consistently ranks among the most enviable places to live in Rhode Island. As the state’s second-largest city, Warwick offers an appealing blend of urban conveniences and scenic beauty. It’s a waterfront city, boasting 39 miles of coastline along Narragansett Bay, which not only offers stunning views but also ample opportunities for boating, fishing and beach days. Apponaug paints a picture of the town’s rich past, with preserved buildings and landmarks reminiscent of bygone eras.

But Warwick isn’t just resting on its historical laurels. The city is a bustling center of commerce and recreation. Warwick Mall and the surrounding areas offer a top-notch shopping experience, while parks like City Park and Goddard Memorial State Park provide residents with vast green spaces for outdoor activities. Moreover, T.F. Green Airport, Rhode Island’s primary airport, is conveniently located in Warwick, making travel a breeze.

Population: 25,156
Average age: 35.6
Median household income: $77,092
Average commute time: 19.5 minutes
One-bedroom average rent: $1,800
Two-bedroom average rent: $2,400

When listing the best places to live in Rhode Island, Newport is a name that sparkles with distinction. This coastal city, often referred to as the “City by the Sea,” is renowned for its magnificent mansions, which stand as testaments to the opulence of the Gilded Age. The Cliff Walk, a scenic 3.5-mile pathway, offers unparalleled views of the mansions on one side and the crashing waves of the Atlantic on the other. Beyond its architectural marvels, Newport’s waterfront is dotted with restaurants and shops, making it a lively hub for residents and visitors.

From the Newport Jazz Festival to the Newport International Boat Show, Newport’s calendar is filled with events that cater to a range of interests. Add to that the sandy beaches, like Easton’s Beach and Gooseberry Beach, which provide the perfect spots for relaxation or water sports. Combining historic elegance with contemporary fun, Newport proudly claims its spot among the best places to live in Rhode Island.

Population: 82,566
Average age: 39.8
Median household income: $77,145
Average commute time: 23.0 minutes
One-bedroom average rent: $1,360
Two-bedroom average rent: $1,750

Holding its ground as the third-largest city in the state, Cranston is undeniably one of the top spots to live in Rhode Island. Its diverse neighborhoods offer a ton of experiences, from the urban feel of the eastern side to the more suburban western areas. Garden City Center stands as a central shopping and dining hub, with a range of establishments that cater to all tastes. Meanwhile, the historic Pawtuxet Village offers a quaint retreat from the busyness of city life.

Beyond its urban amenities, Cranston is a green city with numerous parks and open areas. Roger Williams Park, though technically in Providence, is accessed primarily from Cranston, providing residents with a sprawling green space, complete with lakes, a zoo and botanical gardens. Additionally, the city boasts strong educational institutions and has been recognized for its commitment to safety.

Population: 7,996
Average age: 46.9
Median household income: $80,275
Average commute time: 26.2 minutes
One-bedroom average rent: $1,800
Two-bedroom average rent: $1,250

Perched gracefully on the eastern shore of Narragansett Bay, Tiverton is a testament to the scenic beauty and quaint charm that makes Rhode Island such a special state to call home. A town that masterfully blends its maritime roots with a rural ambiance, Tiverton is home to picturesque landscapes, from rolling farmlands to serene waterfront vistas. Tiverton Four Corners is a particularly delightful spot, boasting artisan shops, galleries and eateries, all set within historic buildings that date back to the 18th century.

While Tiverton offers a tranquil retreat, it is by no means isolated. The Sakonnet River Bridge connects the town to the eastern parts of the state, ensuring easy accessibility. For outdoorsy types, Fogland Beach is a haven, providing not only sandy stretches for relaxation but also a popular spot for windsurfing. Additionally, the town’s commitment to preserving its open spaces and its agricultural heritage is evident in numerous farms and orchards, inviting visitors for apple picking, vineyard tours or simply enjoying farm-fresh produce.

Population: 17,389
Average age: 48.4
Median household income: $104,073
Average commute time: 23.2 minutes
One-bedroom average rent: $2,000
Two-bedroom average rent: $3,000

Situated on Aquidneck Island, Portsmouth effortlessly secures its spot among the best places to live in Rhode Island. The town is a seamless fusion of coastal beauty and historical significance. Green Animals Topiary Garden showcases exquisite green sculptures, offering a unique and enchanting outdoor experience that captivates everyone, young and old.

For those drawn to aquatic adventures, Portsmouth serves as a launching point for a ton of water-related activities, thanks to its access to both the Sakonnet River and Narragansett Bay. Sandy Point Beach is a local favorite, providing a tranquil setting for sunbathing, swimming and picnicking. On land, Portsmouth Abbey School and its stunning gothic architecture stand as a testament to the town’s commitment to education.

Population: 75,387
Average age: 37.2
Median household income: $56,427
Average commute time: 25.8 minutes
One-bedroom average rent: $1,200
Two-bedroom average rent: $2,250

Pawtucket holds a special place when discussing the best places to live in Rhode Island. Once a powerhouse of the American Industrial Revolution, Pawtucket’s legacy is preserved in the form of old mills, which have now been repurposed into lofts, studios and business spaces. The Slater Mill Historic Site stands as a testament to the city’s influential past, recognized as the birthplace of American industry and providing a fascinating journey through time.

In recent years, Pawtucket has seen a resurgence as a hub for arts and innovation. The annual Pawtucket Arts Festival celebrates the city’s creative spirit, showcasing local artists, musicians and performers. Regardless of what you do from nine to five or how you like to spend your weekends, Pawtucket is an undeniably great place to be. Plus, it’s one of the most affordable places to rent or own in Rhode Island, reinforcing its place as a state treasure.

Population: 17,842
Average age: 48.8
Median household income: $79,565
Average commute time: 25.6 minutes
One-bedroom average rent: $2,500
Two-bedroom average rent: $1,800

Positioned at Rhode Island’s southwestern tip, Westerly is not only a gateway to the Atlantic but also undeniably one of the best places to live in the Northeast. With a coastline that boasts some of the state’s most beautiful beaches, like Misquamicut and Watch Hill, it’s a sunbather’s dream. The allure of the ocean is amplified by the town’s scenic beauty, from granite quarries to the gently flowing Pawcatuck River that defines its border with Connecticut.

Downtown Westerly exudes historic charm, where beautifully preserved buildings house an array of local boutiques, eateries and small shops. The town also takes pride in its community events, notably the Summer Pops concert, where residents gather at Wilcox Park to enjoy orchestral melodies under the stars. As if the picturesque settings and community-centric events weren’t enough, Westerly’s proximity to New York and Boston makes it a favored location for those who crave coastal living without being too far from urban hubs.

Ready to make the move to Rhode Island?

While every town and city in the Ocean State has its own unique charm, the sweet spots spotlighted here distinctly shine as the most outstanding cities in Rhode Island. Each offers a unique blend of history, natural beauty and unique attractions, ensuring that residents enjoy a balanced and fulfilling lifestyle.

Whether drawn to the waves of the Atlantic, the allure of historic districts, or the convenience of urban living, there’s an apartment in Rhode Island for you. The Ocean State, in its compact glory, truly offers a slice of paradise for everyone.

Source: rent.com

Apache is functioning normally

October 23, 2023 by Brett Tams

WASHINGTON, D.C. – Today, U.S. Senator Sherrod Brown (D-OH), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs, took to the Senate floor ahead of a Congressional Review Act (CRA) vote to overturn the Consumer Financial Protection Bureau’s rule on small business lending pursuant to Section 1071 of the Dodd-Frank Act. The rule is designed to promote access to credit and combat discrimination in small business lending by making small business lending data more transparent.

Sen. Brown’s remarks, as prepared for delivery, follow:

Our middle class relies on strong small businesses.

Small business ownership is the second-largest source of personal wealth in this country – only behind owning a home. Small businesses make up more than 40 percent of our economy.

To build strong small businesses, entrepreneurs need credit. A loan lets you turn an idea into a business, or invest in your company to hire more workers.

That’s why small business credit is so essential to our economy and to our middle class.

But today, small business lending takes place in the dark. We don’t have good data about how lenders are serving the small businesses in their communities.

And we don’t have good data about who lenders might be leaving behind.

Without transparency, it’s all too easy for entrepreneurs in Ohio to lose out.

The data we do have suggest too many small business owners aren’t getting a fair shot at a loan for their business.

Take rural small businesses. We know that rural communities have seen bank branch closures for years, drying up access to credit for small businesses. We need the data to understand how to reach these business owners, and grow small town economies.

Or take small business owned by women or people of color. The data we do have suggest they’re more likely to be denied loans and charged higher interest rates.

You don’t need reports and studies to know that most Ohioans don’t get a fair shake from big banks and the financial system. But you do need accurate information to fight back.

That’s why, in 2010, Congress required the CFPB to get that information, and this spring, the CFPB issued a rule to finally implement the law and bring transparency to the small business lending market.

We’re talking about basic data on the borrowers’ demographics, loan pricing, application approvals, and other critical information – just like we do with mortgages.

With this data, we’ll be able to see gaps in the small business lending market—allowing programs to expand access to credit for small businesses, like small businesses in rural areas.

And more data means more accountability—ensuring that lenders reach minority communities and helping to root out discrimination.

We’ve seen this model work before.

After we began publishing data about home mortgages, more Americans of all races and backgrounds were able to achieve the dream of home ownership.

This still protects people’s privacy – borrowers aren’t required to submit information if they don’t want to.

Of course, the big banks and their lobbyists are putting up a fight. They always do.

But I’m not going to help Wall Street avoid accountability.

I want to see more Ohio small businesses get loans and grow and be successful, and we are not going to let the banking lobby stand in the way.

I hope my colleagues will stand up for small businesses, stand up for entrepreneurs, and vote against this resolution.

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Source: brown.senate.gov

Apache is functioning normally

October 23, 2023 by Brett Tams

The full name of this program is USDA Rural Housing Guaranteed Loan Program.
We’ll simplify its name here to the USDA Loan. If you prefer, our office calls it the Meat Loan.

This is the first of two articles. Article number one introduces the program’s benefits. Article two covers the qualifying aspect, which is easier than most consumers anticipate. We’ll need a program to compare to USDA, so we’ll use its closest relative, the FHA loan program.

Let’s get to the first USDA loan benefit:

1. No down payment required

That’s right, USDA loans require no down payment and have a standard 30-year fixed term.

2. Nominal mortgage insurance

In 18+ years of lending I’ve encountered zero home buyers who want or like mortgage insurance. Compared to similar down payment options across other programs, USDA loans require lowest-in-class mortgage insurance.
Government loans split their mortgage insurance (MI) between an upfront fee, financed into the loan amount, and the MI that contributes to the payment amount. The MI that contributes to one’s payment is known by different names, but we’ll call it the mortgage insurance factor or MI factor.

USDA’s MI factor, also called its Guarantee Fee, is 0.35%. This program requires 0% down.
USDA’s upfront fee is 1.00% or 0.01 times the loan amount, financed into the loan.
FHA’s MI factor, also called its Mortgage Insurance Premium is 0.55%. This program requires at least 3.5% down.
The upfront government fee for FHA is 1.75%, also financed into the loan amount.

When compared with FHA, the math above illustrates that the USDA loan saves 0.75% off the top of your closing costs. That’s a decent chunk of change for enhancing your appliances or interior decorating budget.

As of the writing of this article, rates are still volatile, and we’ll just use 7.50% for illustrating this comparison. When in doubt, ask your lender about your current rate scenario.

We’ll omit the unknown taxes and insurance from the payment, as their addition to payment is the same. Let’s compare the principal, interest & mortgage insurance (PIMI) payment between FHA (3.5% down) and USDA (0% down).

USDA = $2,118 + $88 = $2,206 per month (PIMI payment)
FHA = $2,059 + $135 = $2,194 per month (PIMI payment)

You read that correctly. The combined savings from 0.75% in closing costs and cheaper mortgage insurance brings this 0% ($0) USDA down payment within ≈$12 per month of its competing 3.5% ($9,500) FHA down payment.

3. Max loan amount calculation

Besides requiring zero down and its lower mortgage insurance, there is one more facet that makes the USDA program shine: its max loan amount calculation. Other Agency (Conventional or Government) loan programs base the max loan amount on the lesser of the purchase price versus appraised value.

USDA loans are unique as they base the max loan amount solely on the property’s appraised value. Supported by an appraised value that accommodates the purchase price + settlement costs (closing costs + prepaid expenses), there is truly no money required at closing. The program’s ability to finance settlement costs is unique to the USDA loan program. Ensure that your lender does not overlay guidelines that supersede any of the program’s benefits.

4. Qualifying

USDA’s program generally follows FHA’s guidelines, but the agency’s goal is to support rural housing. In doing so, they have two distinct qualifiers:

a. Property Eligibility

Let’s look at an example:
My hometown of Madison, Wisconsin, is considered ineligible for USDA financing. That ineligibility spans through the Madison-metro area. Beyond metro areas is generally fair game, until you get to other metro areas, such as Milwaukee

These ineligible areas are based on recent census data and then polished with criteria that USDA keeps to themselves. Keep in mind that USDA definition of “rural” is relative. In the Cheese State “rural” is different than “rural” in New Jersey, as population densities are far different.

Try zooming to various areas on USDA’s Property Eligibility map to familiarize yourself with its interface. Madison is located at mid-bottom of WI, if you want to check out my example. Prospective FHA home buyers are often surprised by the areas that report as eligible for the USDA program.

Note: Beware of external sites that claim USDA eligibility mapping. These sites simply scrape USDA’s data, so they lag behind. Stick to the .gov source.

b. Household Income Caps

This program’s guidelines distinguishes between two separate tiers of household income caps: 1-4 and 5+ person households. Married with 3 dependents? You’re in the 5+ (higher income cap) tier.

Even when income calculations exceed the USDA caps, know that there are deductions to help your scenario fit.

Subtracting documented childcare expenses is the most common deduction for lowering your household income calculation. There is a handy USDA calculator that accounts for common deductions.

Your USDA lender can help define and calculate deductions so help them earn their paycheck.

Note: USDA does not maintain a centralized database with approved lenders. If you think this program could be a good fit for your scenario, just ask your current preferred lender about it.

This information isn’t all-encompassing, so spend some time speaking with a lender who’s fluent in USDA guidelines. When home buyers’ scenarios fit into this program, financing homeownership gets a little easier.

Our mascot:

Source: mortgagenewsdaily.com

Apache is functioning normally

October 19, 2023 by Brett Tams

Buying a home is one of the most expensive purchases you’re bound to make in your life. That’s why it’s so important to get the right mortgage before you sign on the dotted line.

A few differences in mortgage rates or other terms can equate to tens of thousands of dollars either spent or saved. But with so many options available on the market, it’s hard to know where to start.

There are traditional lenders and online mortgage lenders, local ones and large multinational ones. Plus, many lenders specialize in different types of loans.

To get started, browse some of the best mortgage lenders and find a few that match your needs.

Best Mortgage Lenders & Online Loan Marketplaces of 2023

You have several great options available, from online lenders to brick and mortar branches, from excellent credit to bad credit lenders. Check out the complete list of lenders to find the best choice for your next home loan.

loanDepot

Offering home loans in all 50 states, loanDepot works with a wide range of borrowers. The minimum credit score for most loans is 620. However, some government-insured programs may allow your credit score to be as low as 580.

LendingTree

LendingTree is the best if you want to compare multiple offers as they partner with the largest network of lenders who compete for your business.

Rocket Mortgage

Rocket Mortgage is a great pick if you prefer applying for a mortgage online and has excellent customer service when needed.

Rocket Mortgage provides FHA loans, USDA loans, and Freddie Mac and Fannie Mae loan products that come with down payments as low as 3%.

New American Funding

New American Funding offers conventional, FHA, and VA loans. You can also explore options for a mortgage that includes a home renovation loan.

Alliant Credit Union

Alliant Credit Union offers both fixed and adjustable-rate mortgages, and you can qualify with a down payment as low as 3% of the home price.

Guaranteed Rate

Guaranteed Rate originated about $24 billion in mortgages for 2018, which is no surprise. The website allows you to get an idea of your qualifying interest rates easily.

First Internet Bank

Solely based online, First Internet Bank is an online mortgage lender that allows you to complete the entire mortgage application from your own home.

Carrington Mortgage Services

If you have a question about a loan, you can chat with a Carrington representative from 7 a.m. until 6 p.m. PST. They’ve even been featured on Lifetime’s Designing Spaces.

Truist

Truist has a significant online presence for mortgages in addition to its physical branches throughout the country.

U.S. Bank

Prequalify online within minutes, and from there, you can start making intelligent decisions about your future home. U.S. Bank offers conventional, fixed-rate loans, VA loans, ARMs, and FHA loans.

Other Top Mortgage Lenders to Consider

Didn’t find one on the list that you liked? Read our reviews of some other good lenders:

How to Find the Best Mortgage Lender

To find the best mortgage lender, it’s wise to compare mortgage rates and terms from multiple lenders. This will help you find a lender that offers the best deal. The lending standards may be similar across lenders, but the way they implement them may vary.

You might be surprised at how much variation you see in your different offers. Plus, mortgage loans can be structured in various ways to accommodate your financial situation or personal preferences.

If you don’t have a lot of spare cash on hand, you may be able to pay a higher interest rate to avoid higher closing costs. If you want to lower your monthly payments, your lender may let you pay for points to qualify for a lower rate.

It’s also helpful to understand where mortgage rates are right now and where they’re headed. A good real estate agent may be able to help you with this as they usually know the market quite well.

Know your credit score and the type of rate you should qualify for so you can negotiate the best deal possible. Some credit card issuers give you your FICO score for free.

How to Compare Mortgage Lenders

Here are some questions you may want to ask when searching for the best mortgage lenders:

How is their customer service?
What can they tell you about their closing costs and other associated lender fees?
How much do you need for a down payment?
How quickly can you close once you find a home?

These are all questions you should pose to at least two or three separate mortgage lenders.

Compare answers and determine which lender can offer you the best financial deal and meet any other expectations you have surrounding the loan process.

What should you look for in a mortgage lender?

Finding the best mortgage lender for your needs can take a while, so give yourself time. If you’re interested in a particular type of loan, such as a VA loan or an FHA loan, make sure the lender actually offers it.

Mortgage Interest Rates

Pick at least two or three mortgage lenders with good customer satisfaction ratings to compare pre-qualification offers. Then, take a look at the interest rates they offer you, whether the rate is fixed or adjustable, and what your monthly mortgage payments will be.

Taxes and Mortgage Insurance

Make sure they include an estimate for taxes and mortgage insurance, not just your principal and interest because that can make your payment increase by at least a couple hundred dollars.

Property Taxes

If you live in a more expensive area like a major city, expect to pay even more for property taxes. Of course, you can always refinance to get a lower rate down the road, but it’s expensive because of closing costs.

Fees and Closing Costs

Next, compare the closing fees of each mortgage lender. Some of the expenses won’t change from lender to lender. A title search, for example, will cost about the same amount regardless of what lender you go through. Origination fees, on the other hand, can vary greatly.

Expect to pay 3% to 5% of the loan amount for total closing expenses. Which end of the spectrum you end up on can make a huge difference in how much cash you’ll need.

A good lender will help you explore your options based on how much cash you have and how long you plan to be in the home.

Mortgage Points

If you have extra money and intend to make your new place your “forever home,” it may be worth paying extra points at closing in exchange for a lower mortgage rate. Ask each lender for different scenarios to see which best fits your individual needs.

How can you get pre-qualified for a mortgage?

There are two ways to start the mortgage process: a pre-qualification and a pre-approval.

Getting prequalified is an informational step to get an idea of what rates to expect and how much you can borrow based on your income and debt levels. You don’t have to supply any documentation at this time.

The quotes you receive are not set in stone and are subject to change with your official application. But it’s good to find out what types of loans you should consider, how much cash you’ll likely need, and what price range of home you should look at.

You’ll need more to actually make an offer on a home because most sellers don’t view a pre-qualification as official enough to indicate likely financing.

What is a pre-approval letter?

A pre-approval letter takes the pre-qualification process one step further. You essentially submit your entire application and all the accompanying documentation.

This includes things like your tax returns from the last two years, bank statements, explanations of any negative remarks on your credit history, and employment verification.

The mortgage lender also performs a hard credit pull to determine your mortgage interest rate. It takes a bit of time, but once you’ve been pre-approved, the lender provides a letter stating how much of a loan you qualify for and how much down payment you can provide.

When you submit an offer on a house, this addition makes it much stronger because the seller knows that you’re likely to get approved for the mortgage. Once your offer is accepted, you can lock in an interest rate with your mortgage lender for a certain number of days.

What type of mortgage should I get?

Some quick introspection is necessary to answer this question. Start by examining your financial position, household needs, and long-term goals. How secure is your income? Where do you want to live in the next few years? How much money can you raise for the down payment?

Answering these questions helps you pick the most appropriate mortgage type for you. Typically, the choice boils down to a conventional or government-backed mortgage. Conventional home loans have stricter requirements, such as a high credit score and sizable down payments. Government-backed loans allow lower credit scores and little to no down payment to qualify.

There are eight different types of mortgages spread across the two categories. Dig in as we explore each of them below.

8 Types of Mortgage Loans

Conventional Mortgage Loans

Conventional mortgages are home loans that the government doesn’t insure and fall into two categories: conforming and non-conforming.

A conforming loan means the loan falls within limits set by the Federal Housing Finance Agency. Non-conforming loans, such as jumbo loans, exceed the FHFA limit, which varies between counties.

Conventional Loan Requirements

Conventional loans have stringent credit score and debt-to-income ratio requirements. Mortgage lenders approve borrowers with a credit score of at least 620 and a 20% down payment. Buyers who can put at least 3% down may also be eligible but must pay primary mortgage insurance.

Pros

Cheaper than unconventional loans
Can qualify by putting 3% down

Cons

PMI on deposits less than 20%
Strict credit score and DTI ratio requirements

Best for: Buyers with large down payments, high income, stellar credit scores, and excellent credit history.

Fixed-Rate Mortgage

A fixed-rate mortgage is a home loan that carries a fixed interest rate over its lifespan. Once the interest rate is locked in, it’s not affected by changes in market rates.

Fixed-rate mortgages are the most popular home loans, thanks to their predictability. Knowing your mortgage payment every month helps borrowers more easily plan their finances. As a result, you can be sure that there are no surprises month-to-month.

Fixed-Rate Mortgage Loan Requirements

Lenders use your credit score, debt-to-income ratio, credit history, income, and down payment to determine eligibility and set mortgage rates. Credit scores are a primary determinant, and most mortgage lenders approve borrowers with scores above 620.

Credit scores above 740, low DTI ratio, stellar credit history, and a significant down payment command the most competitive mortgage rates. Conversely, low credit scores lead to higher interest rates, and a down payment of less than 20% triggers the need to pay private mortgage insurance (PMI).

Fixed-rate mortgage terms range from 10 to 30 years, but 30 and 15-years loans are most popular. The length of your mortgage also determines the interest rates and monthly payments.

Pros

Predictable monthly payments
Nonfluctuating interest rates
Easy qualifications
Large tax deductions

Cons

Higher mortgage rates
High-interest amount
Slow equity growth

Adjustable-Rate Mortgage

As the name suggests, adjustable-rate mortgages carry an adjustable interest rate set by the prevailing market rate. An ARM starts with a fixed interest rate for a few years then changes to a variable rate for the remaining loan term.

An ARM can be locked for one, three, five, seven, or ten years, but 5/1 ARM loans are most common. With a 5/1 ARM, the interest rate is locked for the first five years and then adjusted annually for the remainder of the term.

Typically, the interest rate on an ARM adjusts upwards because the initial interest rate is often lower than the prevailing market rate.

Pros

Predictable and low initial monthly payments
You can save a considerable amount of money at first

Cons

Increased mortgage rates
Monthly payments can be expensive

Best for: Borrowers who are likely to secure a pay hike in the future but want to lock in lower rates when their income is lower.

FHA Mortgage

An FHA loan is a mortgage guaranteed by the federal government and insured by the Federal Housing Administration (FHA). You can only secure an FHA loan from an FHA-approved lender. The agency insures home loans are issued by accredited lenders such as credit unions, banks, and mortgage companies, protecting mortgage lenders if a borrower defaults on payment.

FHA Loan Requirements

These loans help modest-income households buy a home. You need a 3.5% down payment, a credit score of 580 or higher, and a DTI less than 50 to qualify for an FHA loan. You can be eligible with a 500 credit score if you raise a 10% down payment.

Since the government insures FHA loans, FHA lenders can extend favorable terms to people who wouldn’t otherwise qualify for a mortgage. FHA loans carry a mortgage insurance premium (MIP) for at least 11 years, and FHA mortgages with less than 10% down must carry FHA insurance over the life of the loan.

You can use an FHA to buy or refinance a condo, single-family home, 2 to 4-unit multi-family home, and select manufactured homes. In addition, some FHA loans can finance new construction and home renovation.

The limits on FHA loans vary by county, and as of 2021, you can borrow between $420,860 and $970,800. Your county’s living costs determine the limit on FHA loans.

Pros

Requires a 3.5% deposit
High loan limits
Accommodates low credit scores

Cons

Mandatory mortgage insurance
Only finances primary residence

Best for: Low and moderate-income households and borrowers without a large down payment.

VA Mortgage

VA loans are guaranteed by the U.S. Department of Veteran Affairs but issued by private lenders such as mortgage companies, banks, and credit unions. VA loans help veterans, current service members, and eligible spouses buy a home without a down payment.

The government guarantee allows VA accredited lenders to extend favorable terms to borrowers without a deposit. Although VA loans carry attractive terms, they have stringent qualification requirements. Only qualified active-duty service members, veterans, and surviving spouses can apply for VA loans.

VA Loan Requirements

While a VA loan offers 100% financing when buying a home, VA lenders will consider credit score, DTI, and income level when issuing a loan. There are no minimum credit score requirements, but you typically need a credit score of at least 620 to qualify.

In addition, veteran and surviving spouses can only use a VA loan to finance their primary residence. But active-duty service members can use the loan to buy a second home if they plan to move into it within 60 days of closing.

Your county of residence determines the VA loan limit. As of 2021, the county limit on VA loans ranges from $548,250 to $822,375, depending on the cost of living. However, you can get a VA loan that exceeds the county limit if you make a down payment.

Pros

No down payment
Competitive mortgage rates
Lower closing costs
No private mortgage insurance

Cons

Can’t finance an investment property or vacation home
Carries a VA loan funding fee
Strict property requirement

Best for: Eligible veterans, active-duty service members, and surviving spouses.

USDA Mortgage

USDA loans are zero-down payment government-backed mortgages guaranteed by the U.S. Department to help rural homebuyers. The loans help people with modest incomes who can’t buy homes using traditional mortgages.

USDA home loans are offered under the USDA loan program or USDA Rural Development Guaranteed Housing Loan Program. The program aims to bolster the economy and improve the quality of life for people in rural America. It waives the down payment, offers competitive mortgage interest rates, and is highly accessible.

You can apply to any of the three USDA loan programs, including:

Loan guarantees: The USDA guarantees a mortgage issued by a local lender. That allows you to access a loan with attractive terms without a deposit.
Direct loans: These are subsidized home loans for low and very low-income borrowers with interest rates as low as 1%.
Home improvement loans and grants: These are loans or outright grants to help homeowners upgrade or repair their homes. Some loan packages pair the loan with grants of up to $27,000.

USDA Loan Requirements

Qualifying for a USDA-backed home loan depends on the income and size of your household. The income limits vary by location and depend on your county of residence. Only U.S. citizens or permanent residents can use these loans to finance an owner-occupied primary residence.

You can qualify for a USDA mortgage with a credit score of 640 or higher, a DTI of less than 41%, and if the monthly repayment won’t exceed 29% of your monthly income. The USDA may consider a higher DTI for applicants with credit scores above 680. Applicants with scores lower than 640 may still qualify but are subject to more stringent borrowing conditions.

You also need to demonstrate a dependable income over two years, have a good credit history, and have no account in collection within the last year.

The USDA loan limit is a moving target that varies between counties, based on the cost of living. The loan can be as high as $500,000 in high-cost counties like Hawaii and California and $100,000 in rural America.

You can only access a direct loan from the USDA if your home is less than 2,000 square feet and has a market value below your county loan limit. The USDA program excludes metropolitans but covers some suburbs.

Pros

100% financing
Ultra low fixed interest rates
Includes financial grants
No private mortgage insurance

Cons

Geographical restrictions
Finances single owner-occupied residences

Best for: Borrowers with limited financial resources or those wishing to live in rural areas.

Jumbo Mortgage

Jumbo loans finance homes that exceed the FHFA limits of a conventional mortgage. Jumbo loans are considered non-conforming mortgages and are considered high-risk loans.

Since they exceed the FHFA limits, Freddie Mac and Fannie Mae do not guarantee jumbo loans. That means the mortgage lender may incur losses if the borrower defaults. Jumbo loans can carry an adjustable or fixed interest rate and have strict requirements.

Jumbo Loan Requirements

You need a credit score of 700 to 720, a DTI of less than 45%, and plentiful cash reserves in the bank to qualify for a jumbo loan. Lenders require extensive documentation to show excellent financial standing. You’ll need W-2s, complete tax returns, and 1099s as well as your investment accounts and bank statements.

The minimum down payment on jumbo loans is often higher than traditional loans because they lack a government guarantee. Most mortgage lenders require a 10% to 30% deposit. Jumbo mortgage rates depend on your finances and your lender.

Some lenders charge higher rates on jumbo loans than conforming ones, while others offer lower rates. The closing costs and lender fees on a jumbo loan are often higher because of extra qualifying steps and the high loan amount.

You can use a jumbo loan to buy a home, refinance an existing mortgage for cash-out purposes, or purchase an investment property and land. However, since FHFA doesn’t govern jumbo loans, the loan limit could run into the millions.

Pros

Higher loan limits
Can finance investment property
Competitive interest rates
Flexible uses
High loan amounts

Cons

Requires high credit scores
You need high income
Requires plenty of cash reserves

Best for: People buying expensive property and homeowners looking to refinance a large loan.

Interest-Only Mortgages

Interest-only mortgages are relatively short-term loans, usually structured as ARMs for 5 to 10 years. During the loan, borrowers pay interest on the loan without repaying the principal. Since you’re not paying back any borrowed money, you’re not building equity in the home. Your equity in the house remains the value of the down payment and any appreciation in the home’s market value.

At the end of the loan term, your loan amount remains the same unless you’ve made separate payments to offset the principal. Once the initial term lapses, you can pay off the loan, switch to making amortized payments, refinance, or sign up for another interest-only term.

Interest-Only Mortgage Loan Requirements

An interest-only loan requires a good credit score, 700 or higher, a large deposit, and a low debt ratio. There are no standard requirements, so they vary widely between mortgage lenders. But you’ll need to demonstrate an ability to pay and own ample assets to qualify.

Pros

Low initial monthly payment
Low initial mortgage rates
Variable loan terms

Cons

You don’t build equity
Your equity declines if property value drops

Best for: People with high disposable income, large cash reserves, rising incomes, or borrowers who receive large annual bonuses.

Best Mortgage Lenders FAQs

Which lenders have the best mortgage rates?

Mortgage rates can vary significantly from lender to lender, and can also fluctuate over time. It’s difficult to say which lender has the “best” mortgage rates at any given time. It can depend on a variety of factors, such as your credit score, the type of loan you’re looking for, and the location of the property you’re buying.

That being said, some lenders may offer more competitive rates than others. One way to find the best mortgage rates is to shop around and compare offers from different lenders. You can do this by visiting the websites of different banks and mortgage companies, or by working with a mortgage broker.

Another important factor to consider when shopping for a mortgage is the fees associated with the loan. Some lenders may have lower rates but charge higher fees, while others may have higher rates but charge lower fees. Make sure to compare the total cost of the loan, including the mortgage rate and fees, when shopping for a mortgage.

How do I get the best mortgage rate?

To get the best mortgage rate, you should:

Have a good credit score. The higher your credit score, the more likely you are to qualify for a low mortgage rate.
Shop around for rates from multiple lenders. Compare rates from banks, credit unions, and online lenders to find the best rate.
Make a large down payment. Putting more money down on the home can lower your mortgage rate.
Consider different loan types. Adjustable-rate mortgages and shorter-term mortgages typically have lower rates than fixed-rate mortgages.
Consider paying “points” or additional fees to lower your rate.
Get Pre-approved for a mortgage before you shop for a house.
Be prepared to provide extensive documentation to the lender to show you can afford the loan and can make the payments.

It’s worth noting that interest rates are not the only thing to consider when shopping around for a mortgage. You should also compare other terms, fees, and loan programs that lenders offers. It’s always a good idea to consult a mortgage expert or a financial advisor for guidance on this matter.

How much house can I afford?

A widely accepted method for determining how much you can afford to spend on a home is the 28/36 rule. This rule states that you should not spend more than 28% of your gross, or pre-tax, monthly income on housing expenses.

Additionally, the rule states that you should not spend more than 36% of your income on all debt payments, including your mortgage, credit cards, and other loans, such as auto and student loans.

For example, if your gross monthly income is $5,000, you should not spend more than $1,400 (28% of $5,000) on housing expenses, including your mortgage payment, property taxes, and insurance. And you should not spend more than $1,800 (36% of $5,000) on all debt payments, including your mortgage, credit cards, and other loans, such as auto and student loans.

So, if you have $500 in existing debt payments, your monthly mortgage payment should not exceed $900.

Source: crediful.com

Introduction

Ongoing Improvement

Keeping What Works

Playing an Important Role

Financial Results (Remarks of Chris Lown)

Conclusion (Remarks of Mr. DeVito)

Additional Resources

LO Jobs; Production Efficiency, HELOC, Database Mining Tools; FHA, VA, USDA Changes; Freddie’s $2.7 Billion in Profits

Option 1: Copy and send this link

Quick Summary On How To Get Paid To Advertise On Your Car

What Is Car Wrap Advertising?

How much can you get paid to advertise on your car?

6 Ways To Get Paid To Advertise On Your Car

1. Wrapify

2. Carvertise

3. Nickelytics

4. StickerRide

5. Stickr

6. Free Car Media

Getting Started With Car Advertisements

Eligibility criteria

Application process

How to get started with car advertisements

Pros and cons of car advertising

How To Recognize Car Advertising Scams

FAQs About Getting Paid To Advertise On Your Car

Do companies really pay to advertise on your car?

How much can you earn with car advertising? How much can I get paid to put an advertisement on my car?

What companies pay you to put their logo on your car?

How much do you get paid to Carvertise?

How much does Wrapify pay?

Will Red Bull pay you to advertise on your car?

Can I choose which advertisements go on my car?

What types of ads are used for car advertising?

How To Get Paid To Advertise On Your Car – Summary

Pros of living in Delaware

1. No sales tax and other great tax benefits

2. Proximity to major East Coast cities

3. Beautiful coastal areas

4. Historic charm and cultural heritage

5. Sense of community

Cons of living in Delaware

1. High cost of living in certain areas

2. Limited public transportation options

3. Extreme weather fluctuations

4. Coastal flooding and hurricane risks

5. Smaller job market

Pros and cons of living in Delaware: Bottom line

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Best Mortgage Lenders & Online Loan Marketplaces of 2023

loanDepot

LendingTree

Rocket Mortgage

New American Funding

Alliant Credit Union

Guaranteed Rate

First Internet Bank

Carrington Mortgage Services

Truist

U.S. Bank

Other Top Mortgage Lenders to Consider

How to Find the Best Mortgage Lender

How to Compare Mortgage Lenders

What should you look for in a mortgage lender?

Mortgage Interest Rates

Taxes and Mortgage Insurance

Property Taxes