The Arbor Move Blog

There’s no question that the financial benefits of selling a house are outstanding today. Now is truly a great time to list if you’re ready to make a change. But if you do sell your house right now, you may be wondering where you’ll go when you move.

With so few homes available to buy right now, you might be considering building a new home as one of your options. But you may be unsure if that’s the way to go. Let’s compare the benefits of a newly built home versus moving into an existing one, and why working with a real estate agent throughout the process is mission-critical to your success no matter what you decide.

The Pros of Newly Built Homes

First, let’s look at the benefits of purchasing a newly constructed home. With a brand-new home, you’ll be able to:

1. Create your perfect home.

If you build a home from the ground up, you’ll have the option to select the custom features you want, including appliances, finishes, landscaping, layout, and more.

2. Cash-in on energy efficiency.

When building a home, you can choose energy-efficient options to help lower your utility costs, protect the environment, and reduce your carbon footprint.

3. Minimize the need for repairs.

Many builders offer a warranty, so you’ll have peace of mind on unlikely repairs. Plus, you won’t have as many little projects to tackle. QuickenLoans puts it like this: 

“Buying a new construction vs. existing home typically means you’ll have fewer repairs to do. It can be a huge relief to know that it’s unlikely you’ll have to repair the roof or replace the furnace.”

4. Have brand new everything.

Another perk of a new home is that nothing in the house is used. It’s all brand new and uniquely yours from day one.

The Pros of Existing Homes

Now, let’s compare that to the perks that come with buying an existing home. With a pre-existing home, you can:

1. Explore a wider variety of home styles and floorplans.

With decades of homes to choose from, you’ll have a broader range of floorplans and designs available.

2. Join an established neighborhood.

Existing homes give you the option to get to know the neighborhood, community, or traffic patterns before you commit.

3. Enjoy mature trees and landscaping.

Established neighborhoods also have more developed landscaping and trees, which can give you additional privacy and curb appeal. As Investopedia says, if you buy an existing home:

“Odds are, too, that the home will have mature landscaping, so you won’t have to worry about starting a lawn, planting shrubs, and waiting for trees to grow.”

4. Appreciate that lived-in charm.

The character of older homes is hard to reproduce. If you value timeless craftsmanship or design elements, you may prefer an existing home. According to Houseopedia:

“Charm is priceless. Existing homes, especially those built in the 1950’s or before, often offer architectural elements, historic charm and a quality of craftsmanship not available in new homes.”

The choice is yours. When you start your search for the perfect home, remember that you can go either route – you just need to decide which features and benefits are most important to you. Working with the guidance of your trusted real estate advisor will help you make the most informed and educated decision, so you can move into the home of your dreams.

Bottom Line

If you have questions about the options in your area, let’s discuss what’s available and what’s right for you, so you’re ready to make your next move with confidence.

Whether you’re a longtime Motor City resident or an occasional visitor, there’s nothing better than exploring the area’s many marvelous attractions. The roadways that make our city complete offer adventurous folks the chance to appreciate history, modern destinations, eateries, and so much more. Here are six iconic streets in Detroit that deserve a spot on your bucket list.

1. Woodward Avenue

Commonly known as the “Main Street” of Detroit, Woodward Avenue is home to a vast and impressive array of restaurants, shops, and attractions galore. The street is also referred to as M-1 and extends for upwards of 21 miles through the city and its suburbs. Its history is rich, as the road was first established in 1805 before becoming an official state highway in 1913.

2. Gratiot Avenue

As one of the earliest streets to exist in the city of Detroit, Gratiot Avenue is equally rich in history. Its earliest roots date back to 1805, while it extended to its present state and length in the 1970s. Gratiot connects Detroiters to all sorts of important spots, winding through residential neighborhoods and business districts alike. If you choose to traverse the road, you’ll spot famous places like Ford Field and the Renaissance Center.

3. West Grand Boulevard

Extending for approximately 11 miles, West Grand once marked Detroit’s city limits and housed portions of a streetcar line through the area. Today, guests who choose to stroll or drive along the street will notice icons like the Motown Museum, the Hotel St. Regis, and the fantastic Fisher Building. What’s not to love?

4. Grand River Avenue

Grand River Avenue extends from surrounding regions through the heart of Detroit, offering access to attractions like beautiful Beacon Park, Grand Lawn Cemetery, and more. You might not be able to walk the entire length of this impressive road, which technically makes its starting point in Lansing and continues for over 210 miles, but we recommend checking out at least a few portions of it.

5. Detroit RiverWalk

While it’s not technically a street, the breathtaking Detroit RiverWalk is one of the most popular thoroughfares in the city — even though most folks explore it on foot or by bicycle. There’s something simply magical about strolling alongside the Detroit River on this 5.5-mile pathway, which leads visitors past everything from public art pieces to a lighthouse at Milliken State Park. Does it get much prettier?

6. Monroe Street

Take a walk through the heart of Greektown when you explore Monroe Street, which is home to timeless attractions like Astoria Pastry Shop and Fishbone’s. If you’re a fan of gambling, you’ll enjoy visiting nearby Greektown Casino to try your hands at some slots and tables. Or, if you’re feeling adventurous, simply peruse the restaurants and shops that make the area so unique.

Have you walked or driven along any of these iconic streets in Detroit? Did we include any of your favorite places on our list? Share your experiences with us by leaving a Facebook comment or let us know which famous roadways deserved a mention by filling out our official nomination form here.

If you’re fascinated by our city’s history, you’ll want to check out these Depression-era photos from Detroit.

The post 6 Iconic Detroit Streets You Must Stroll At Least Once appeared first on Only In Your State.

When you’re looking for a place to stroll, shop, dine, and spend quality time with loved ones, there’s nothing better than exploring some of the best small towns in Michigan. Our state offers access to endless charm, whether you’re enjoying coffee with a waterfront view or hunting for antiques in a long-standing shop. If you’re a sucker for small towns, you’ll want to read about these seven spots in Michigan that offer truly outstanding downtown areas.

1. Frankenmuth

For those who love history, architecture, and a little dash of kitsch, Frankenmuth is an absolute dream. This small town is a favorite among out-of-state tourists and locals alike, offering visitors the chance to immerse themselves in a Bavarian-inspired wonderland. Dig into a famous chicken dinner at Zehnder’s, snag a beer at Frankenmuth Brewing, or venture just outside downtown to Bronner’s Christmas Wonderland, where the holiday spirit remains intact all year long. Does it get much better than this?

2. Saugatuck

If you find yourself on the west side of the state, a day trip to Saugatuck is a must. This tiny shoreline town offers frontage along Lake Michigan, the Kalamazoo River, and Kalamazoo Lake, so there’s no shortage of natural beauty for those who seek it. Of course, the community’s downtown area is a major point of pride, offering everything from vibrant art galleries to quaint coffee shops to long-standing eateries. We recommend checking out Phil’s when you’re hoping to dine like a local.

3. Gaylord

Even when the weather outside is frightful, there’s plenty of fun to be had in Gaylord. Regardless of when you stop by, this town of just under 4,000 residents offers an “Alpine Village” downtown that boasts options for dining, shopping, and memory-making. Satisfy your sweet tooth at the Alpine Chocolat Haus or pick up some fresh produce at the local farmer’s market. From jewelry shops to bookstores, there’s truly something in downtown Gaylord for everyone to enjoy.

4. Mackinac Island

We’d be remiss not to include Mackinac Island, which stands strong as one of Michigan’s most magical destinations. This charming island, where you’ll notice a distinct lack of cars, is full to the brim with natural splendor, bicycles, historical touches, and family-friendly excitement. Its primary downtown area is like something out of a storybook, expertly combining gorgeous architecture with modern touches. Snag some bonafide Mackinac Island fudge before hopping aboard an enchanting horse-drawn carriage to continue your tour of the area.

5. Houghton

Don’t worry, we didn’t leave the Upper Peninsula off our list. After all, the northernmost regions of the Great Lakes State offer a sense of wonder all their own, often combining rugged natural surroundings with manmade attractions and more. Houghton is no exception, offering a downtown space that sits just a stone’s throw from Portage Lake and the Keweenaw Waterway. Grab a beverage at Keweenaw Brewing or head to Roy’s Pasties for a classic Yooper meal. Round it all out with dinner at the famous Ambassador Restaurant or a simple stroll through the campus of nearby Michigan Tech. What’s not to love?

6. Lexington

If you appreciate small beach towns, Lexington is sure to capture your imagination. This tiny community along the shores of Lake Huron houses a year-round population of approximately 1,000 residents. Its downtown space might be small, but this lovely locale offers a quaint and welcoming atmosphere in every season — with particular charm during the warmer months. From clothing boutiques to fresh fudge and plenty of dining destinations, there’s lots to explore throughout this shoreline village.

7. Holland

Holland’s location along the shores of Lake Michigan renders it a popular destination for tourists and Michiganders alike, particularly during the spring and summer months. No matter when you visit, though, you’ll find joy throughout its bustling downtown — in fact, the town even prides itself on offering heated sidewalks that make for easy strolling when icy weather arrives. Check out an assortment of breweries, including the beloved New Holland, or do some serious shopping along 8th Street. From Readers World bookstore to a fair-trade shop known as The Bridge, the options are truly endless.

Have you spent time in any of these small towns in Michigan? What were your favorite downtown destinations in each? We’re always eager to hear your suggestions and experiences, so share your thoughts by leaving us a Facebook comment. If there’s a charming community that should have been included on our list, let us know by completing our official nomination form here.

Can’t get enough of our state’s small towns? Be sure to read about this unique waterfront area in Michigan.

The post The Heart And Soul Of Michigan Is The Small Towns And These 7 Have The Best Downtown Areas appeared first on Only In Your State.

Are you a fan of both history and food? If you’re a culinary enthusiast who also appreciates all things timeless, you’ll want to check out some of our favorite historic restaurants in Detroit. After all, the Motor City boasts a unique and storied past that’s so worth learning about — and this includes plenty of awesome eateries. Here are eight history-rich restaurants that deserve a spot on your dining bucket list.

1. The Whitney

This stunning restaurant dates back to 1894, when the building was constructed as the home of local lumber baron David Whitney. During his heyday, Whitney was the richest man in the city of Detroit, and the opulence of his home certainly reflects this wealth. When you visit today, you’ll appreciate fine fare alongside stunning woodwork, plenty of original touches, and antiques galore.

2. Cliff Bell’s

Located along Park Avenue in Detroit, this marvelous jazz club and restaurant first opened its doors in 1935. Throughout the generations, this one-of-a-kind establishment came to life with performances by all sorts of talented musicians. It closed in 1985 before its reopening and refurbishment in 2006 — and today, guests can enjoy drinks and food while listening to some of the top live music in Detroit. Talk about a blast!

3. Amore da Roma

This welcoming Italian eatery is a continuation of the former Roma Cafe, which operated on-site in 1888 and remained a true local fixture until 2017. While the name has changed, Amore da Roma retains much of the original charm, deliciousness, and impeccable service that made Roma Cafe such a Detroit gem. When you’re in the mood for fresh pasta and great conversation, look no further.

4. Jacoby’s

Since its opening in 1904, Jacoby’s has been a must-visit for German immigrants in Detroit and visitors from all sorts of backgrounds. The eatery and its accompanying biergarten make for an authentic German experience right here in the Motor City, offering an assortment of classic dishes alongside refreshing drafts and brews. When you’re ready to unwind, few spots deliver culinary comfort like Jacoby’s.

5. Cadieux Cafe

This fun-filled establishment once operated as a speakeasy during the Prohibition era, offering a gathering place for the Belgian population in the Motor City. Today, it operates as an eatery, bar, live music space, and “feather bowling” venue — the latter being a Belgian game that is akin to curling without the ice. Cadieux Cafe is open late, so there’s rarely a bad time to stop in for a visit.

6. Duly’s Place

You’ve undoubtedly stopped in at Lafayette or American Coney Island when you’re craving some classic Detroit fare, but have you ever visited Duly Place? This unassuming, unfussy restaurant is open 24 hours and has satisfied hungry visitors since the early 1920s. You won’t find glitz or glamour when you make a stop at Duly’s, but you will find mouthwatering diner food that will keep your taste buds happy.

7. Ivanhoe Cafe

This unforgettable destination, which houses the iconic Polish Yacht Club, is one of Metro Detroit’s most beloved places to gather with loved ones. You don’t have to boast Polish heritage to enjoy a meal at Ivanhoe Cafe, which serves everything from kielbasa to pierogies to tasty scallops. Since 1909, Detroiters have stopped in for a drink or two among family and friends, so why not join the tradition?

8. The Rattlesnake Club

While the Rattlesnake Club is more of a recent addition when compared to previous spots on our list, we still think it’s worth mentioning. Since opening its doors in the late 1980s, this fine-dining destination has provided guests with amazing views of the RiverWalk and the city skyline. If you’re looking for the perfect special occasion spot, you can’t go wrong with wine and dinner from the soon-to-be-iconic Rattlesnake.

Have you been lucky enough to enjoy a meal from one of these historic restaurants in Detroit? Which of our selections is your favorite? We’re always happy to hear from you, so share your thoughts with us in the Facebook comments or recommend another history-rich eatery by filling out our nomination form here.

If you’re searching for even more historic charm, be sure to read about this train depot restaurant near Detroit.

The post These 8 Amazing Detroit Restaurants Are Loaded With Local History appeared first on Only In Your State.

Since the pandemic began, Americans have reevaluated the meaning of the word home. That’s led some renters to realize the many benefits of homeownership, including the feelings of security and stability and the financial benefits that come with rising home equity. At the same time, many current homeowners have decided their house no longer meets their needs, so they moved into homes with more space inside and out, including a home office for remote work.

However, not every purchaser has been able to fulfill their desire for a new home. Here are two obstacles some homebuyers are facing:

• The ability to save for a down payment
• The ability to qualify for a mortgage at the current lending standards

This past week, both of those challenges have been mitigated to some degree for many purchasers. The FHFA (which handles mortgages by Freddie Mac, Fannie Mae, and the Federal Housing Administration) is raising its loan limit for prospective purchasers in 2022. The term used to describe the maximum loan amount they will entertain is the Conforming Loan Limit.

What Is the Difference Between a Conforming Loan and a Non-Conforming Loan?

Investopedia explains the difference in a recent post:

“Conforming loans are the only loans that meet the requirements to be acquired by Fannie Mae and Freddie Mac. Jumbo loans, which exceed the conforming limit, are the most common type of nonconforming loan.”

What Difference Does It Make to Me as a Home Buyer?

A Forbes article earlier this year explains the benefits of a conforming loan and why they exist:

“Since lenders can’t sell non-conforming loans to Fannie Mae or Freddie Mac to free up their cash, they’re a bit riskier for the lender. This is especially true for jumbo loans, which aren’t backed by any government guarantees. If you default on a jumbo loan, it’s a huge blow to the lender.

Thus, lenders generally charge higher interest rates to compensate, and they can have even more requirements. For example, lenders who give out jumbo loans often require that you make a down payment of at least 20% and show that you have at least six months’ worth of cash in reserve, if not more.”

What Happened Last Week?

The FHFA has significantly increased its Conforming Loan Limits for 2022. Sandra L. Thompson, FHFA Acting Director, explains in the press release that:

“Compared to previous years, the 2022 Conforming Loan Limits represent a significant increase due to the historic house price appreciation over the last year. While 95 percent of U.S. countie​s will be subject to the new baseline limit of $647,200, approximately 100 counties will have conforming loan limits approaching $1 million.”

This means that more homes now qualify for a conforming loan with lower down payment requirements and easier lending standards – the two challenges holding many buyers back over the last year.

The Federal Housing Administration (FHA) also increased its Conforming Loan Limits for 2022. That could also mean an easier path to homeownership for many prospective buyers. As the Forbes article explains:

“FHA loans can be very beneficial if you don’t have as much savings, or if your credit score could use some work.”

Bottom Line

Buying your first or your next home may have just gotten much easier (less stringent qualifying standards) and less expensive (possibly lower mortgage rate). Let’s connect to discuss how these changes may impact you.

Resources:

1. To get more information on the new FHFA Conforming Loan Limits, click here.
2. To get more information on the new FHA Conforming Loan Limits, click here.

If you’re trying to decide when to sell your house, there may not be a better time than this winter. Selling this season means you can take advantage of today’s strong sellers’ market when you make a move.

Win When You Sell

Right now, conditions are very favorable for current homeowners looking for a change. If you sell now, here’s what you can expect:

• Your House Will Stand Out – While recent data shows there are more sellers getting ready to list their homes this winter, there are still more buyers in the market than there are homes for sale. If you sell your house now before more houses are listed, it will get more attention from serious buyers who are eager to find a home.
• Your House Will Likely Get Multiple Offers – When supply is low and demand is high, buyers have to compete with each other for a limited number of homes. The latest Realtors Confidence Index from the National Association of Realtors (NAR) shows sellers are getting an average of 3.6 offers in today’s market.
• Your House Should Sell Quickly – According to the same report from NAR, homes are selling in an average of just 18 days. As a seller, that’s great news for you if you’re looking for a quick process.

Win When You Move

In addition to these great perks, you’ll also win big on your next move if you sell now. CoreLogic reports homeowners gained an average of $51,500 in equity over the past year. This wealth boost is the result of buyer competition driving home prices up. You can leverage that equity to fuel a move, before mortgage rates and home prices climb higher. To get a feel for how rates are projected to rise, see the chart below.The longer you wait to make your move, the more it will cost you down the road. As mortgage rates rise, even modestly, it will impact your monthly payment when you purchase your next home. Waiting just a few months to make that change could mean a long-term financial impact.

The good news is today’s rates are still hovering in a historically low range. According to Doug Duncan, Senior VP and Chief Economist at Fannie Mae:

“Right now, we forecast mortgage rates to average 3.3 percent in 2022, which, though slightly higher than 2020 and 2021, by historical standards remains extremely low . . .”

Selling before rates climb higher means you can make your move and lock in a low rate on the mortgage for your next home. This helps you get more home for your money and keeps your payments down too.

Bottom Line

As a homeowner, you have a great opportunity to get the best of both worlds this season. You can truly win when you sell and when you buy. If you’re thinking about making a move, let’s connect so you have the information you need to get the process started.

Whether or not you’re a fan of cold weather, it’s tough to deny the delights of embarking on a romantic getaway in Michigan — and such escapes are especially magical when temperatures drop and coziness abounds. One charming bed and breakfast here in the Great Lakes State makes for an ideal adventure with your sweetheart in tow. Get ready for an unforgettable stay away from the stresses of everyday life.

Candlelite Inn Bed & Breakfast is located along E Ludington Avenue in beautiful Ludington.

If you’ve never had the opportunity to spend time in Ludington, this waterfront community will capture your heart as soon as you arrive. No matter the season, there’s plenty to explore and discover throughout.

Candlelite Inn is one worthwhile attraction, offering guests the opportunity to unwind among romantic, calming surroundings while appreciating an array of vintage charms and top-notch hospitality.

The bed and breakfast prides itself on offering a warm, inviting, yet private atmosphere that’s perfect for a weekend away. There are seven lovely rooms to choose from, each with its own touches and amenities.

Of course, if you’re looking for the most romance-friendly option, you can’t go wrong with the Romantic Retreat suite. This large space offers a jacuzzi tub, king-sized bed, candles, fireplace, and more.

While the Romantic Retreat suite is fantastic, each of the remaining rooms is also chock full of charm. Guests will also enjoy an enclosed front porch, great room with fireplace, and so much more.

Nature enthusiasts will appreciate Candlelite Inn’s convenient proximity to Lake Michigan, while shopaholics will have a blast exploring downtown Ludington. No matter the weather, you’ll make lasting memories.

As you look forward to your next adventure here in the Great Lakes State, be sure to keep this picturesque and intimate lodging option on your list. Once you check in, you might never want to head back home.

For more information about Candlelite Inn, click here. Have you been lucky enough to spend the night at this spectacular bed and breakfast while enjoying a romantic getaway in Michigan? Share your experiences with us by leaving a Facebook comment or recommend another top-notch vacation destination in the Great Lakes State by filling out our official nomination form here.

If you’re looking for even more excitement, be sure to read about this historic inn in Michigan.

The post The Romantic Michigan Getaway That’s Perfect For A Chilly Weekend appeared first on Only In Your State.

Whether you’re looking for a dose of fresh air, seeking a place to stretch your legs, or simply searching for pretty scenery, nothing beats the experience of strolling along a river walk in Michigan. While our bodies of water offer all sorts of attractions, there’s one walkway here in the Great Lakes State that stands out above the rest – and has even earned national accolades. Get ready to go on an adventure.

The Detroit RiverWalk is one of the main points of pride in Michigan’s largest city, offering guests and residents alike the chance to stroll alongside the magnificent and history-rich Detroit River.

Don’t just take our word for it, though: the RiverWalk was deemed one of America’s 15 best riverwalks by Fodor’s Travel, a leader in travel and leisure information. You can read the complete rankings here.

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So, what makes the Motor City’s RiverWalk so spectacular and unique? For one, it’s special in that it offers visitors a fascinating glimpse across the international waterway into neighboring Ontario, Canada.

There are approximately three miles of river frontage to peruse as you make your way along the pathway, which is dotted with green space, parks, works of public art, sitting areas, eateries, and so much more.

Many visitors choose to kick off their stroll off Steve Yzerman Drive, just a stone’s throw from the iconic former Joe Louis Arena. The walkway continues all the way to Mt. Elliott Park, a family-friendly spot.

Feeling hungry during your walk? You’re in luck: the RiverWalk is situated alongside an assortment of restaurants, including the famous Joe Muer Seafood, Andiamo Riverfront, and the Rattlesnake Club.

Stop to explore a state park within city limits at Milliken State Park, check out a picturesque lighthouse on the water, or watch as freighters make their way downriver. Does it get much more magical than this?

The next time you’re searching for a top-rated spot to appreciate Michigan’s many marvels, venture to Detroit for a brilliant stroll along its RiverWalk. You’ll soon understand why it remains a favorite locale.

For more information about this nationally recognized river walk in Michigan, click here. Have you and your family taken a stroll alongside the water during previous visits to the area? Share your experiences and memories with us by leaving a Facebook comment or recommend another great place to appreciate river views in Michigan by completing our nomination form here.

If you’re seeking something a bit more rustic, you might appreciate reading about this pretty overlook in Michigan.

The post This Michigan Waterfront Is Officially One Of The Best River Walks In The Country appeared first on Only In Your State.

Can you imagine experiencing the joys of the holiday season in the midst of a sweltering Michigan summer? There’s one incredible Christmas store near Detroit where you can do just that. Whether you’re a full-blown Christmas fanatic or a kid at heart who’s searching for a dose of childlike glee, this sprawling shop will capture your heart. Get ready to step into a year-round holiday dreamland.

Bronner’s Christmas Wonderland is located in Frankenmuth, just 90 minutes by car from Detroit.

While we’ve extensively covered Frankenmuth and its endless Bavarian-inspired charm, Bronner’s is certainly deserving of its own feature. After all, this decidedly festive store is absolutely one-of-a-kind.

As its name implies, Bronner’s is a real wonderland of seasonal magic — but you don’t have to wait until the holiday season to appreciate it. In every month, visitors can step inside to embrace the joys of Christmas.

Known as the “World’s Largest Christmas Store,” this massive locale is home to a 7.35-acre building and more than 20 acres of outdoor space, making for an inventory that would impress Santa Claus himself.

When you step inside, you’ll be happily overwhelmed by the seemingly endless shelves of ornaments, Christmas trees, nativity sets, garland, and decor galore. There’s a real sense of delight throughout.

Stock up on fun figurines, pick up a few pieces for your front yard, or buy gifts for the next major holiday. No matter how you spend your time at Bronner’s, you’ll find it almost impossible to leave empty-handed.

If that weren’t enough, the store’s friendly staff are well-versed in all things Christmas, so you’ll have assistance in finding the perfect item. In fact, you might just wonder if you’ve entered the North Pole.

Whether it’s mid-December or the dog days of summer, one thing is absolutely certain: a fun-filled journey to Bronner’s Christmas Wonderland in all its vibrant, sparkling glory is so worth the drive from Detroit.

For additional information about Bronner’s Christmas Wonderland, click here. Have you and your family checked out this magical Christmas store near Detroit during previous day trips to Frankenmuth? Share your experiences with us by leaving a Facebook comment or recommend another year-round gem by filling out our official nomination form here.

If you’re a fan of the holiday season, you’ll want to read about these top winter activities in Michigan.

The post The Magical Place Near Detroit Where It’s Christmas Year-Round appeared first on Only In Your State.