Types of Home Loans If you’re purchasing a new house, you’ll likely need a home loan. But with so many different kinds to choose from, it can feel overwhelming to decide which type of loan you need. From conventional loans to non-conventional loans and everything in between, each loan type has unique pros and cons.  Whether you’re buying your first house or your tenth, choosing the right home loan for you is important for your financial future. Conventional Loans Conventional loans  are the most popular and widely used home loans. They are not federally insured, but they offer more flexible terms for interest, loan amount, and more. Homebuyers with good credit scores and financial stability often choose these products for the flexibility. Additionally, these types of loans may be used to fund both the building and the financing of a property. One-close construction loans begin as a construction loan and then turn into a typical loan once the construction is complete, making them an attractive tool for borrowers who want their own custom property.  1. Adjustable-Rate Mortgages Adjustable-rate mortgages  (ARM) are the most common type of conventional home loan. As the name suggests, they offer variable interest rates, meaning the interest payment of the loan may change intermittently based on something called a benchmark index . This makes monthly mortgage payments increase or decrease based on the fluctuations of the index. When you first apply for an adjustable-rate mortgage, you’ll likely be offered a lower interest rate or “introductory rate,” making these loans attractive to many homebuyers. Even though the interest rate will change, the temporary fixed rate is ideal for buyers who plan to pay off, refinance, or sell their homes quickly. ARMs also come with interest rate caps. This ensures your interest rate and payments will not increase beyond a certain amount throughout the life of your loan. Pros:  Lower payments to start Flexible terms Payments and interest rate could decrease based on benchmark index Cheaper than a fixed rate mortgage at the beginning Potential to avoid private mortgage insurance (PMI)  Cons:  Interest rates and monthly payments can increase unexpectedly Complex loan terms Not federally insured Borrowers must have high credit scores to qualify 2. Fixed-Rate Mortgages Fixed-rate mortgages are loans that have the same interest rate over the life of the loan. In other words, your monthly principal and interest payments will not change once you secure your loan. Whether you have a 15-year fixed-rate mortgage  or a 30-year fixed-rate mortgage,  you’ll always know what your monthly payment will be, making a fixed-rate mortgage more stable and predictable than an ARM. A fixed-rate loan is ideal for those who value predictability and stability. The terms of fixed-rate mortgages are often much simpler than with adjustable-rate mortgages (ARMs), making them feel a bit more accessible. However, fixed-interest rate mortgages typically offer higher interest rates than ARM introductory rates. Pros:  Stable and predictable Simpler terms Amortized Cons:  Higher interest rates than ARM starting rates  Long-term commitment Fewer loan-term options Government-Backed Loans Non-conventional loans are also known as government-backed loans, as they are insured by various government agencies.  Non-conventional loans can make buying and owning a home more accessible to homebuyers who may struggle to qualify for conventional loans. These loans are designed to assist first-time homebuyers, veterans, and those with moderate-to-lower incomes. Government-backed loans typically come with stricter terms and qualifiers, providing greater security to the mortgage lender.  There are three main types of government-backed loans. Depending on the loan, you might have access to lower monthly payments, flexible down payment requirements, or looser requirements regarding credit scores.  3. VA Loans VA loans  are some of the most common non-conventional loans available. These loans come from the US Department of Veterans Affairs (VA) and are designed to help veterans and active-duty military personnel, as well as surviving children and spouses, find housing.  Not everyone is eligible for a VA loan, but if you are, you may want to take advantage of the numerous benefits and features. For example, if you qualify for a VA loan, you won’t need to come up with a down payment to buy your home. However, you will need to pay a VA funding fee, which helps fund the program and ensure that other veterans can access mortgages. VA loans also come with competitive interest rates and PMI waivers, and they have lower credit score requirements than other loan types. Choosing a VA loan is a great way to lower your monthly mortgage payment, drastically reduce closing costs, and make home-buying more accessible for you and your military family. Pros:  Flexible credit score requirements Zero down payment Monthly payment assistance and foreclosure avoidance are available through the VA for some borrowers Cons:  Can only be used for primary residences, not second homes or rental properties  Strict eligibility restrictions Only available to military personnel, veterans, and their families 4. FHA Loans The Federal Housing Administration (FHA) also offers home loans via the Federal Housing Finance Agency  to those who are eligible. FHA loans  are overseen by the US Department of Housing and Urban Development (HUD). These are government-backed loans, meaning that if the borrower defaults, the government will reimburse the lender for part of the loan. As such, lenders will be more willing to lend to people who would not qualify for a conventional loan.  Similar to a VA loan, an FHA loan is designed to make buying a home more accessible to US citizens, but they’re available to a wider demographic of borrowers. FHA loans are ideal for homebuyers with lower credit scores and limited funds for a down payment. Getting approved for an FHA loan is generally easier than seeking approval for a conventional loan. They’re assumable (meaning they can be transferred from a seller to a buyer) and the down payment requirements are very low. However, they do require a UFMIP (upfront mortgage insurance premium) and PMI (private mortgage insurance), otherwise known as FHA mortgage insurance. Federal Housing Administration loans also have a sliding scale for the down payment, meaning that if you have a credit score of 580 or better, you only need to provide 3.5% down. Those with credit scores between 500 and 579 will need to offer at least a 10% down payment to qualify.  Pros:  Flexible credit score requirements Only 3.5% required for the down payment with good credit Loans are transferable or assumable Streamlined refinancing options  Cons:  Required monthly insurance premiums Maximum loan amounts based on region and property type It cannot be used for second homes, vacation homes, or investment properties 5. USDA Loans USDA loans  are backed by the United States Department of Agriculture (USDA) and are designed to help first-time homebuyers build, purchase, or renovate homes in rural and suburban areas. These loans tend to have favorable terms and affordable financing options.  These unconventional loans do not require down payments, and they offer low mortgage insurance premiums. However, borrowers must earn below a certain amount annually to qualify. Pros:  No down payment required Available to low-income borrowers Affordable fixed interest rates Lower mortgage insurance premiums Cons:  Geographic and property-condition restrictions (not all properties are eligible) It cannot be used for second homes, rentals, vacation homes, etc. Guarantee fees Longer underwriting process LGBTQ+ and BIPOC individuals deserve to enjoy all the beauty that rural America has to offer; in fact, it’s estimated that 3 million LGBTQ Americans  live in rural zones, while 24% of rural Americans  are people of color. We can assist you in accessing this advantageous loan program that is perfect for those who want no down payment and excellent rates.  Other Non-Conventional Loans While VA loans, FHA loans, and USDA loans are the most common non-conventional loans, there are others available that are not government-backed. For example, renovation mortgages are a more specialized type of loan that can be used to fix up property, while interest-only mortgages are products that cater to investors who can afford a balloon payment at the end of the term.  The products discussed in the following list are not considered traditional mortgage offerings. However, they provide an alternative to conventional mortgage loans and may be the right fit for certain borrowers. 6. Jumbo Loans Jumbo loans  are used to finance home or property purchases that require funding beyond what conforming conventional loans can offer.  The Federal Housing Finance Agency (FHFA) sets a conforming loan limit for each county in the country that is based on the local housing market. Loans that adhere to these limits are called conforming loans, and while they are typically well-matched to the market, some may want more than what is available with the typical loan.  Any loan with an amount higher than local conforming loan limits can be considered a jumbo loan. Mortgage lenders offering these loans tend to require larger down payments and expect borrowers to have significant cash reserves and excellent credit scores. Pros:  Suitable for high-value real estate properties More privacy protection than a conforming mortgage loan Customizable terms Cons:  Higher interest rates Higher monthly payments Strict eligibility requirements Large down payment High minimum credit score requirement  7. Super Jumbo Loans Lastly, we have super jumbo mortgages. These mortgage loans exceed even the high amounts available through a regular jumbo loan, surpassing the limits of both conforming loans and other nonconforming loans. Those looking to invest in luxury properties, estates, or large-scale investment properties may need to consider a super jumbo loan. Unlike government-backed loans, these cater to affluent buyers and investors looking to purchase and refinance property. These products offer extremely high loan amounts with customizable loan terms, while private banking services allow borrowers to maintain their privacy. Applying for a loan like this involves a unique underwriting process to ensure the terms match lender and borrower requirements.  Pros:  Extremely high loan amounts Great for real estate investors Borrowers can preserve liquidity Customizable terms Cons:  Highly sensitive to fluctuating interest rates Limited availability Strict financial requirements Choosing a Home Loan Understanding the different types of home loans is only the first step in deciding which one is best for you. Here, we’ll discuss some of the major factors you should consider when researching different types of home loans, from your credit score to your home’s purchase price. Factors Here are the main factors to consider when choosing a mortgage product:  Purpose:  Different types of mortgages cater to different demographics. Investors will typically want a non-conforming product, as they will need a higher loan principal than the average homeowner. Retirees may prefer a fixed-rate mortgage because they can prepare for the monthly expenses, while those who want to keep a home only for a short period of time might choose an adjustable-rate mortgage.  Income: Your income is the main factor determining which loan type will work best for you, because this will decide how much you can afford to pay each month. For example, borrowers with low-to-moderate incomes may opt for fixed-rate loans, while borrowers with more financial flexibility might choose adjustable-rate loans. Credit score: Your credit score will play a huge role in determining what type of mortgage loan you can qualify for. Some loans have much stricter credit score requirements than others, meaning you’ll have to look at loans from lenders open to your credit situation. Closing costs: Some loans require a down payment while others don’t, but all loans require closing costs. Take all of your closing costs into consideration before deciding which mortgage type is best for you. Loan term: Depending on your budget and financial goals, you’ll need to decide on a short-term or long-term loan. Loan periods typically range from 15 years to 30 years for conventional loans, while others offer more flexible terms. Down payment: The amount you can afford for your down payment will help you determine what mortgage type is best for you. If you can’t afford much, you’ll need to look at a government-backed loan that doesn’t require a large down payment, like a USDA loan or Veterans Affairs loan. Interest rate: Compare interest rates between loans and lenders to the one that works best for you. Keep in mind that you’ll be choosing between fixed interest rates and variable interest rates. Working With a Broker Working with a mortgage broker will make the process of applying for a home loan run as smoothly as possible. When you work with a broker, they’ll help you get pre-approved for your loan and help you understand and compare the loan offers you receive.  Brokers can also assist with the closing process. They’ll provide you with a detailed breakdown of all the closing costs so you know where your money is going. Your closing costs may include: Appraisal fees Title insurance  Origination fees  Additional costs Refinancing Options Home loans aren’t just for buying a new piece of property — they can also be used to refinance your current home. Here are some situations in which refinancing might be a good option: If market interest rates have decreased since your loan term began If your financial situation has changed If your credit score has improved If you would like to switch your loan type The benefits of refinancing include: Debt consolidation  Lower monthly payments  Interest savings Improved financial flexibility  Home equity access Mortgage Insurance Mortgage insurance is an important thing to consider during the homebuying experience. Essentially a risk management tool for homebuyers, mortgage insurance offers both lenders and borrowers financial protection. The main purpose of mortgage insurance is to protect you if you fall behind on your monthly mortgage payments. It also protects the lender, who will recoup some of their losses should you default.  Mortgage insurance requirements vary by loan type. Some products, like portfolio loans, won’t have any insurance, while your typical conventional loan will have this as a necessity unless you provide a certain percentage of money upfront.  In most cases, you can eliminate PMI once your loan-to-value ratio drops below 80%, meaning that you own 20% of the home outright. Many people choose to provide a 20% down payment to eliminate the insurance right away.  Which Mortgage Loans Are Best For You? While everyone’s situation is unique, some general factors can help guide you in deciding which mortgage loan type is best for you. First-Time Homebuyers When looking at first-time home buyer's loans , you’ll notice the terms and requirements are a bit more limited than with other loans. While they’re not as flexible, loans for first-time homebuyers are an excellent way to get into your first home. Some of the best loan options for first-time home buyers include: FHA loans  VA loans  USDA loans All three of these loan types can help borrowers who can’t afford as much of a down payment.  Military and First Responders Many of the best loans for first-time home buyers are also ideal for military members and first responders. If you’re a military member or surviving spouse, VA loans are the best loan type to consider when purchasing a home. In some places, other loan programs may offer mortgage assistance to veterans and first responders, so be sure to research mortgage offerings in your area before making a final decision. Pride Lending is here to serve the 1 million LGBTQ+ veterans  of the United States, helping you throughout the life of the loan. We’re also proud to assist veterans, police officers, and first responders of color who may face challenges getting mortgage products that meet their needs.  Real Estate Investors The best type of mortgage loan for real estate investors depends on the type of real estate you’re buying and where. Some loan types to consider as a real estate investor include:  Conventional loans Jumbo loans Super jumbo loans Upsizers Those looking to move into a larger or more luxurious home will need a unique loan type. The best loans to consider if you’re upsizing are:  Conventional mortgages with higher limits Jumbo loans Super jumbo loans  Home equity loans or lines of credit (HELOCs) Final Thoughts on Mortgage Loans Finding the right mortgage loan for you will make your home-buying experience a smoother and more enjoyable process. Unfortunately, though, some populations face greater challenges to owning their own property than others. 83% of LGBTQ+ individuals  would like to purchase a home someday, but only 46% of the community owns their own property. BIPOC individuals, too, are disproportionately left out of the housing market; only about 44% of Black individuals  own their own homes.  Our team at Pride Lending seeks to change that. We’re the first LGBTQ+ centered mortgage brokerage in the United States, passionate about advocating for those who have been traditionally left out of homeownership.  Whether you’re buying your first home or investing in real estate, the right loan will make all the difference. At Pride Lending, we can assist you in sifting through the many mortgage products available so that you can make the right choice for your specific needs. We’ll also connect you to down payment assistance programs that can reduce the upfront expenses, ensuring you have what you need to succeed. Pride Lending is a company founded on the belief that everyone deserves to achieve their dream of homeownership no matter their identity. Our team is composed of allies and members of marginalized communities, including LGBTQ+ and BIPOC individuals; we’re passionate about helping those who may been overlooked by other mortgage companies. We’ll work with you to identify your goals and needs, then match you to the right types of mortgage loans for your specific circumstances. If you’re ready to find the perfect mortgage loan for you, contact Pride Lending  to get started today.

If you haven’t owned a home before, there are many reasons to look forward to this major step in your life. Leaving the ranks of the renters can be an investment in your future, and you also get a little more privacy and freedom to make changes to your home than if you rent. The money spent on your mortgage also accrues wealth, unlike money used to pay rent. The National Association of Realtors notes that the typical age of a first-time buyer is 35 , which is down from 36 in 2022.  Homeownership rates have also risen significantly for certain marginalized communities in previous years; for example, 44.1% of Black individuals now own their own home, though they still trail behind their peers. Approximately 46% of LGBTQ+  individuals are homeowners, though it’s not clear whether this is an upward trend because this data is just now being collected for the first time.  Many prospective buyers wonder what the right age is to buy a house; you may be curious about the right age to buy a home. The general trend right now is for young adults to wait longer to buy homes because of the long-term commitment and fluctuating mortgage rates.  However, there is some validity to figuring out what age you should be when you buy your first home.  The Myth of the "Perfect" Age for Homeownership First of all, let’s address the answer to the question directly: there is no perfect age for first-time homebuyers. Some buyers take the leap at a very young age while others wait a long time to shift away from renting. It is important to have some of these mortgage myths debunked  so that homebuyers know what they are getting into and have all the information required to make the right decision.  There is no perfect age to buy a house because it is entirely dependent on your financial situation and personal preferences. If you are 21 years old and already have a stable income and enough money for a down payment, then there may be no reason to delay. On the other hand, some people simply prefer the short-term commitment of a lease agreement. It all depends on if you are ready to take on that responsibility.  Factors That Influence the Best Age to Buy a House While age itself is not the best indicator of readiness for homeownership, it does play a role in where you stand in the following factors. Here are some things to consider when determining the best time to buy a home for yourself or your family.  Financial Readiness Perhaps the most important factor in your home-buying timeline is financial readiness. If you are not fiscally prepared to buy and own a home, then you should wait to do so until you are older and have had time to stabilize your finances.  There are many elements of your personal finances that need to be addressed before buying a house. You will need to improve your credit score  to q ualify for financing and access better interest rates. Your debt-to-income ratio may need to be be 43% or lower. However, the number can also be higher depending on your circumstances. It’s important to work with a professional company like Pride Lending to determine if you qualify for financing. You’ll want to apply for mort gage pre-approval to get an idea of your spending limit. When you accomplish these goals, you might have the best time to buy property.  Career and Lifestyle Goals Buying a house should also depend on your professional and lifestyle goals. Are you uncertain about your career or have yet to find a stable job? You should probably wait until you have consistent income before buying a house. Similarly, what are your future plans for your life? Do you want a family and children? Do you intend to live life on the go, rarely staying in one place for long? Career and lifestyle should be major factors in your decision whether you are younger or advanced in years.  This maxim plays out in the statistics surrounding marginalized buyers. For example, having a child  increases the likelihood that LGBTQ+ borrowers will purchase a home; this is partly because many same-sex couples adopt, and they must be able to prove financial stability in order to be approved.  However, there’s a significant gap in homeownership rates  between married heterosexual and same-sex couples, but this may be explained by the lower marriage rates between same-sex couples overall.  The statistics look a bit different when considering race. For example, married Asian couples are more likely to own homes than their unmarried counterparts. On the flip side, the highest share of homeownership in the Black community is among single, unmarried women .  While these statistics demonstrate that there are different trends among certain demographics, they shouldn’t discourage you from purchasing property if that is your ultimate goal. No matter your race, gender identity, or sexuality, Pride Lending can help you find financing for a primary residence or investment property.  Personal Preferences and Priorities Buying the right home is just as important as deciding when to buy a home. You shouldn’t rush into choosing a property just because you want a house and can afford it. What are your priorities for the type of home you are looking for? Consider things like the style of the house, the square footage, the type of neighborhood it is in, and even your renovation plans. Waiting to find the right conditions might mean you’re a little older when you buy your first house.  Mortgage Variables Most buyers, especially those who are buying their first home, have to take out a conventional loan to afford the purchase price. A mortgage is an important responsibility, so you have to be old enough to understand how it works before you make this type of commitment as a first-time homebuyer.  Down Payment The down payment is the amount of money you pay upfront to reduce the cost of the loan. If you make a big down payment, your total loan amount and mortgage payments will be smaller. Often, the best age to purchase a home is when you have saved up a large down payment. Most buyers try to achieve down payments of 20% since they can avoid paying private mortgage insurance (PMI) if they reach that amount. In the past few years, the average down payment on a house was roughly 14.4% across the country, with the median down payment being just over $34,000 . It’s possible to find mortgage options that only require 3% down for first-time buyers, as well as options with only 5% down for repeat buyers. However, you may have to pay more in interest due to this in addition to PMI.   Thankfully, Pride Lending can help you find assistance programs that reduce your investment while allowing you to put more down. This includes local, state, and national programs meant to help borrowers, especially individuals from marginalized communities.  Closing Costs Closing costs are another upfront expense to consider. They are necessary fees that must be paid when you close on the house. They include expenses like realtor fees, attorney fees, loan origination fees, and title transfer taxes. Many first-time homebuyers choose to roll their closing costs into the loan amount, which increases their monthly payments but reduces the upfront cost of buying a house. However, this is only possible in certain circumstances. There must be a seller or lender credit, and it’s only possible for a USDA if the house is appraised higher than the purchase price. You can roll the closing costs in when you refinance.  Monthly Payments Your monthly payment is where the bulk of your money is going to go as a new homeowner. This is the amount you pay each month for the duration of the loan. The larger your upfront payment, the lower your monthly costs will be. A monthly payment includes both principal and mortgage interest. For most loans, you will pay a larger portion of the interest early on with smaller principal payments, but that will shift the other way the later you get into the loan term. Other costs that might be part of your monthly payment include mortgage insurance and taxes.   Early Adulthood (20s - Early 30s): Pros and Cons Although there is no perfect age for buying a house, there are some differences that naturally occur when you buy your first home at varying stages of life. Purchasing a house as a young adult in your 20s or early 30s has several benefits and challenges to consider.  Advantages of Buying Young Buying a house earlier means you start building equity in the property. Equity represents the percentage of the home that you own versus the lender, and you can use that equity to refinance, borrow cash, or make a profit when you sell the home. The younger you are when you buy the home, the earlier you will build substantial equity that can be used. This increases your potential for long-term financial growth. Another advantage is that you have greater control over the living space. With that control comes the freedom to make whatever changes you want and create a long-lasting positive experience as the homeowner. Buying a home at a younger age can be a great idea for long-term planning and to start early on building equity.  Challenges for Younger Buyers There are also some disadvantages for younger homeowners. First, it is harder to obtain financial stability that quickly, and a mortgage will quickly become a burden if your income is not stable, leading to you becoming “house poor:” most of your wealth is tied up in your home, and you don’t have much disposable income.  It is also difficult to save up for a sizable down payment at this age, so you may only be able to afford lower home values.  This is especially true for LGBTQ+ and BIPOC borrowers. LGBTQ+ individuals are 37% more likely  to have educational debt, while transgender individuals are 61% more likely than cisgender people to have educational debt. When so much of your money is going to debt service, you’ll find it harder to buy a home earlier.  BIPOC individuals also have significant issues with making enough to purchase a home. For example, Black women make 70%  of what a white man does, and Hispanic women only make 65% of the typical salary of a white man. Native American people of both genders make just $0.77 on the dollar  of what a white person would make for the same work. As such, marginalized individuals could face even greater challenges when trying to save up during their 20s and early 30s.  Young people tend to have more uncertain career paths and could end up having to relocate for a new job, which makes it difficult to buy a home.  Another obstacle for younger buyers is their lack of a credit history. It takes time to improve credit scores to the point where lenders trust borrowers and will offer good interest rates. Black and Hispanic individuals are 1.8 times more likely  than white people to have no credit score whatsoever, which can cause significant challenges when trying to become a homeowner.  Similarly, LGBTQ+ borrowers are nearly twice as likely  as the general population to report poor credit. This is especially because they did not have explicit protection against credit discrimination until 2021, when the Consumer Financial Protection Bureau ruled that gender identity and sexual orientation should be considered a protected class included in the Equal Credit Opportunity Act.  For these reasons and more, you might be forced to wait as you slowly improve your credit report to access the home you want.  Mid-Career (Mid-30s - 40s): The Prime Time? Many homeowners and potential buyers may think of this age as the prime time to buy a house, which is borne out by statistics on when most people purchase their first property. In fact, the gap in LGBTQ+ homeownership  when compared to their cisgender, heterosexual peers may be explained by the fact that younger people are more likely to identify as LGBTQ. This can be considered a great time to buy property because you are old enough to have more financial stability but still young enough to enjoy the home for a long time. Here are the pros and cons of first-time homebuyers being in their mid-30s or 40s.  Benefits of Buying in Your Prime Earning Years The older you are, the more likely you are to have more savings and stable income. Work experience matters in terms of income, so most people in their mid-30s to 40s probably have stronger incomes. This means greater financial stability, so affording all the home expenses will be more manageable, and you could get a bigger house. Additionally, you have had more time to build up your credit history and access favorable terms. Another positive factor is that family planning is easier when you are currently or are done having kids. You know what your family situation will be for the next few years, so it is easier to buy a home that suits that lifestyle. Many buyers in this demographic are ready to settle down, and a permanent home allows that.  Potential Drawbacks for Mid-Career Buyers In the prime of your career, affording a home may be no problem. However, there are limitations that could make buying a house at this time challenging. If you are seeking a home in a more desirable and family-friendly neighborhood, you are going to face higher home prices.  For some borrowers, having children itself is a huge expense that could make it difficult to afford the expenses of homeownership. For example, IVF for a same-sex couple can cost up to $20,000 , and this is assuming that you only need one round. Gestational surrogacy can cost well over $60,000  for gay couples. Those who have purchased a home before they decided to start their family may have an easier time affording these costs, but this may not be feasible for everyone. Additionally, you have to consider future financial goals such as retirement and education for your children while balancing those objectives with making mortgage payments.  Additionally, this is likely your busiest time of life as a worker and potentially a parent. There may be very limited time in your schedule to plan renovations or tackle DIY projects to improve the property.  Later in Life (50s and Beyond): A Different Perspective Now let’s move on to the final stage of life when someone could buy a house. At this point, there are very few first-time buyers, but it is still a stage when many people buy homes for different reasons. Here are some of the advantages and disadvantages.  Advantages of Buying Later in Life If you have been working for a long time, then you likely have significant retirement savings and funds to use. That means you can likely get the home you want. Additionally, at this age, you have probably had a steady income for a long time, so you may be debt-free after paying off all your credit card debt and other loans. Older buyers tend to downsize and relocate based on their changing lifestyles as well.  Considerations for Older Homebuyers There are negatives to buying a house in your 50s and beyond. First, you will likely have to agree to a shorter loan term, which means higher payments. Second, you will need to focus on accessibility. Maintenance issues may be harder to deal with as you get older, so you could end up spending more money on contractors and repair services.  Things get especially complex when you start thinking about estate planning and inheritance. Many baby boomers are facing these questions right now. What will happen to the house if you die? How will your children get the money from the sale? These are extra steps that must happen when you buy a home in your old age.  There are additional concerns for BIPOC borrowers, including that the wealth gap between races widens with age; in fact, the median white person had $251,000 more wealth  than a Black person in their mid-fifties. As such, it may be even more challenging for borrowers of color to afford property as they grow older.  When Should You Buy a House? Deciding when to enter the housing market can be challenging. Is it best to take out a mortgage when you are young so you can build equity right away, even if it means being locked down to a long-term commitment? Does it make more sense to wait until you have greater financial stability so you can afford the payments or even pay cash for the house when you are older?  The key takeaways here are that the average age of a first-time buyer is irrelevant; it really depends on your own situation. If you can afford the principal and mortgage interest payments and are ready for the homeowner’s lifestyle, then any time is the right time to buy a home.  Pride Lending  can help you navigate these concerns, no matter how old you are. Our team is composed of allies and members of marginalized communities, including BIPOC and LGBTQ+ people, who are committed to helping everyone achieve home ownership no matter their identity. We’ll help you get a clearer picture of what you can afford and match you to the right mortgage lenders for your specific needs, as well as connect you to helpful resources meant to reduce your upfront costs.  Contact us today  to learn more about how we help the LGBTQ+ community build wealth through investments. You can easily reach us at Andrew@pridelending.com  or 727-591-7909.

What makes Houston so special? This diversity-rich city is brimming with things to do, natural beauty, and a dynamic environment that truly makes it one of the most unique cities in the nation.  Houston has many neighborhoods worth considering when looking for a place that makes you feel right at home.  It has one of the largest LGBTQ populations and a rich history of LGBTQ advocates fighting for gay life and equality, making it a great option.  Houston, often compared to cities like San Francisco for its vibrant diversity and queer history, offers a multitude of neighborhoods that cater to different lifestyles. From the gorgeous communities just a short drive from downtown to Bay area neighborhoods where you can feel the Gulf breeze, there’s a Houston neighborhood perfect for everyone.  Introducing Houston  Nicknamed the ‘Bayou City’, Houston began just off the brink of Texas’ independence in 1836. Shortly after, two brothers, John Kirby Allen and Augustus Chapman Allen ,  purchased property near Buffalo Bayou; they became the city’s founding fathers.  In the 1850s, it became a trading post, with Houston’s first railroad in operation by 1853. In 1870, the city was designated a port. As trade and industry expanded, the city made further advances, such as electricity, paved streets, city parks, and even golf courses. Fast-forward to the early 1900s, and global trade was established.  According to World Population Review , Houston boasts the fourth-largest population in the U.S., with over 2,325,000 residents, making it a major American city. The Houston metro area boasts over six million residents. Census data reveals a population increase of 1.9% in 2023, a testament to all the city offers.  The most recent data, based on a  UCLA Williams Institute study on same-sex couples in Texas , shows that Harris County, which includes Houston, had the highest number of same-sex couples of all Texas counties at 8,963, which is 6.25 per every one thousand couples. About 18.3 % of that number are raising children, making it one of the most LGBTQ-friendly states in the U.S.  Weather  Houston’s temperate climate makes it a popular place to live, especially for those who appreciate being outdoors. The city’s temperatures fall between the mid-40s and 90°F most of the year, making it comfortable for year-round activities and providing a lengthy growing season.  Winters are generally cool and comfortable, while spring and fall are warm and mild. Though summers are hotter and a bit more humid, the temps rarely go above 100°F. The area also has a pleasant mix of clear and slightly cloudy days, with overcast days more prevalent in winter.  This Bayou City experiences occasional precipitation (generally less than 50 inches per year) and some humidity, but the climate is comfortable most of the year. Rare weather concerns can include flooding tropical storms.  Housing Market  The housing market in the Houston area is fairly competitive. Housing prices are up 4.2%, with an average home price  of $362,000 and an average monthly mortgage   payment of $2,024.  There are multiple home types to choose from, including single-family ranch homes, Victorian and European-style houses, patio homes and townhomes, and luxury mid and high-rise condos and apartments.  In 2023, 83,854 homes were sold in the city, a 12% decline from the previous year. However, these rates are rising into 2024. Although the decision to rent vs. buy depends on various factors, in many cases, the mortgage payment can be lower than the rent, making home-buying in the Houston area a favorable option.  Houston house’s price-to-rent ratio is 15, making it one of the top 50 cities in the US where it can be more cost-effective to buy than rent.  Everyday Life  Houston has a large number of Fortune 500 companies. In 2023, 26 of the top 50 Fortune 500 companies were headquartered in Houston. Thriving industries include science, energy, manufacturing, and many more. The top 100 employers  in Houston support a workforce of 600,000 plus employees. Top businesses include H-E-B, Houston Methodist, Memorial Hermann Health System, UT MD Anderson Cancer Center, Walmart, ExxonMobil, Landry’s, and United Airlines.  Houston workers commute around 30 minutes to work , making it a bit more challenging than some other locations. Although there are many upsides to living in the Houston area, traffic can be a bit more difficult, with the area rated as the 9th worst in the US  in terms of traffic.   The average Houston income  is $56,029, ranging as high as $114,144 and as low as $37,155, depending on the specific area. While the average income is considered to lag behind that of some other US cities, the cost of living in Houston  is 8% lower than the national average.  There are many school options, including 631 public district schools, 1250 private schools, and 170 charter schools. While specific school ratings vary, there are a number of highly rated options, with a number of schools receiving A or A+ ratings according to users on Niche .   LGBTQ Community in Houston Through History and Today  Houston has a background in showing support and inclusivity, and though other cities may have more clout as the most LGBTQ-friendly cities, many Houston residents have shown grit and determination in LGBTQ advancement.  The city has been the basis of many milestones over the decades, with organizations developing in the 1970s like Integrity/Houston for support and fellowship. The Houston Gay and Lesbian Political Caucus  was founded in 1975 and sponsored the first Houston Pride parade.  By 1978, Houston celebrated its first Gay Pride Week. By the 1980s, Pride Week in Houston extended to a 10-day celebration, which followed various publications, activism outreaches, and movements for gay rights. However, the 1980s saw various political battles and challenges for the gay community.  In 1992, the Pride committee was established to work year-round on events related to gay activism in the Houston area. The late 1990s saw developments such as the re-emergence of the MAC Gay & Lesbian Community Center and a Houston-specific internet group focused on gay activism. The 2000s continued with a mix of headway and struggles, with Annise Parker making history for being the first openly gay mayor of a major city. The same year, the University of Texas became the first state to offer a program for GLBT studies. Despite challenges, strong efforts for equal rights, support, and activism continued into the 2010s and beyond.  Record attendance at Houston’s Pride parade in June 2015 made it the fourth-largest Pride march in the nation.  Being LGBTQ in Houston  Historically, like in many other major US cities, the LGBTQ community in Houston faced numerous challenges. History shows courageous individuals and groups working to advocate for and establish equal rights, inclusivity, and support for members of the gay community and equality for everyone. Though anti-LGBT politics have hurt the city’s reputation in the community, many in the town itself are very welcoming and supportive. Some data to consider include: According to the Williams Law Institute , 3.5% of the adult population in Houston identifies as part of the gay community; however, many others may support the community even if they identify themselves in other ways. According to the Human Rights Campaign Foundation (HRC) , Houston does well in inclusivity in some areas, such as inclusive workplaces and having a city contractor non-discrimination ordinance. In other areas, such as non-discrimination law and municipal services, it still needs to improve.  Keep in mind that even though the HRC reports  measure specific parameters for LGBTQ equality and law, the scores don’t dictate exactly how LGBTQ-friendly a specific city is. Some places score low in certain areas, but the overall climate can still feel welcoming and have plenty to offer the gay community.  Quick stats from the Texas Equality Profile by the Movement Advance Project  reveal that Texas as a whole has an LGBTQ population of 1,053,000, an LGBTQ workforce of 5%, and 29% of LGBTQ people raising children.  According to Port Houston , Houston also has the largest LGBTQ population of any city in Texas, making it an option to consider for those looking for a larger gay community.  As a whole, Texans have the second-highest LGBTQ population  of any state in the US.  If you're considering other places to move within the state, check out the various Dallas gay neighborhoods. Dallas has the largest LGBTQ population in Texas  and the sixth largest in the country. Things to Do: Places to Be and Events to Go in Houston  Whether you want to support a specific LGBTQ-friendly business, participate in an event, or just find the best place to grab dessert on a Saturday night, it’s at your fingertips!  Events  Houston is known for a variety of events that people are attracted to throughout the year. Of course, you’ll want to check out the annual Pride parade and all the related gay life events happening that week.  Other events that support and celebrate LGBTQ pride include the Black Queer Music Festival, Houston’s Human Rights Campaign Dinner, annual Victory Fun Brunch, and Rainbow on the Green drag performances. Head nearby for Galveston’s Gay Beach weekend, too.  Other noteworthy events you won’t want to miss in Houston include: The Chevron Houston Marathon : Whether you’re an athlete or just want to support those running the race, this is a huge event with thousands of racers across the globe.  Houston Livestock Show and Rodeo : This huge event gives a nod to Houston's nearly 100-year rodeo tradition.  Bunnies on the Bayou : When Easter weekend rolls around, attend a cocktail party and support underrepresented communities at the same time with this charity event.  Worldfest Houston International Film Festiva l:  If you love film, this is a must-attend event with 50-60 feature films.  Houston’s Freedom Over Texas Festival : This annual Fourth of July event has it all–food, fireworks, and live entertainment for everyone.   Texas Renaissance Festiva l: Spend your days full of jousting, magic shows, and all the vibrancy of England’s past in this multi-weekend event.  Arts and Culture  With over 17,000 shows and performances each year and dozens of venues for arts and culture, there’s a wealth to learn, love, and experience in Houston, especially if you’re looking for a new gay neighborhood to call home.  Visit Houston’s Museum District to experience nineteen museums that visitors flock to each year, ranging from science and art to health and family-friendly galleries. Take a look at the Alley Theater for one-of-a-kind theater performances, the Houston Grand Opera for exhilarating musical experiences, or the Houston Ballet for breathtaking dance.  Best Restaurants and Bars  Houston has over 12,000 different food and drink establishments. Whether you’re a foodie, love nightlife, or just like a unique place to have a quiet drink, there are dozens of gay bars and clubs to choose from.  Visits award-winning restaurants like Adair Kitchen, Barbecue Inn, or The Annie Cafe and Bar. If you’re looking to support some LGBTQ-owned businesses while sampling some delicious foods and bakery, check out Michael’s Cookie Jar, Dumpling Dudez, La Sicialia, or Koffeteria .  When you want to top your night off or have happy hour with friends, Houston doesn’t disappoint when it comes to traditional as well as gay bars and clubs. Find a place for you, from trendy cocktail bars to relaxed classic joints.  Try Nickel City for beers or a cocktail and a relaxed vibe where you’re welcome as you are, or visit the Canary for frozen drinks, live music, and even a dip in their pool.  Sol 7 is a Houston bar known for its stunning views of the city and drinks featuring Texas-made liquor. Alternatively, enjoy a sci-fi, spacey feel at Roswell’s Saloon and bask in out-of-this-world cocktails.  Houston also offers dozens of LGBTQ-friendly bars, dance clubs, and nightlife, such as The Room Bar and Lounge, with drag shows as good as its drinks. Check out the Pearl Bar, one of the first lesbian bars. They offer special events like Crawfish boils, bingo nights, and Drag King shows. The Crocker Bar also boasts an old-school vibe, complete with throwback DJ music.  Places to Live: Houston’s Top Gay Neighborhoods   Every neighborhood has a bit of a different atmosphere. With dozens of small areas, Houston and its surrounding areas have something for everyone. Explore some of Houston’s top gay neighborhoods to see what fits your lifestyle, whether you tend toward a night out or quiet weekends with your friends.  Katy  An area with a suburban feel and plenty of parks, Katy boasts a population of over 20,000 people and is about 30 miles west of downtown Houston. If you’re looking for something that’s a bit outside the city but is still close enough to all the amenities and attractions Houston offers, Katy might be an option. A main attraction in Katy is the historic town square, which runs along the former Missouri-Kansas-Texas Depot.   It is part of Houston’s Woodlands-Sugar Land metro area, and 73 schools are in the Katy Independent School district. According to Great Schools, many of them receive 9/10 or 10/10 ratings. The average home price in Katy  is around 350,000.  Friendswood  Another beautiful area in the Woodlands-Sugar Land metro area is Friendswood. This location, just over 20 miles south of Houston and 35 miles north of Galveston, boasts a slightly larger population than Katy at over 40,000. It’s a peaceful area with many everyday amenities like parks, coffee shops, and dining.  Something it’s famous for? It’s the only town in Texas that was originally a Quaker colony. A main attraction in this suburb is the Frank J. Brown Museum which showcases this history. The museum even lies in a replica of the first house built in the colony in 1895.   Friendswood has a smaller school system, consisting of six schools within the Friendswood Independent School District , which is ranked #24 in Texas school systems, with an overall Niche grade of A+. This pretty, peaceful neighborhood has an average house price of $447,000 .  Cypress Just 25 miles northwest of Houston, Cypress is a diverse, family-friendly area with several planned communities. Discover golf courses, parks, nature, and sports facilities, among other amenities. The Boardwalk at Towne Lake is a notable Cypress attraction. Surrounded by waterfront views and multiple restaurants, it is a popular community gathering place where many events occur. The area has 90 schools, which are part of the Cypress-Fairbanks Independent School District .  Niche grades Cypress an A and considers it one of the most diverse districts in the state. The average home price in Cypress  is $365,000.  Jersey Village A smaller suburban neighborhood ,  Jersey Village is known as a tranquil location with less than 10,000 residents. A mix of home types is available, and the lack of HOA appeals to many homeowners. The Jersey Meadow golf course is the main attraction. Set in the heart of Jersey Village, the 18-hole course appeals to golfers of all levels.  It has a relaxed, community feel and is located in west central Harris County, less than 20 miles from downtown Houston;  this way, you can stay in the loop on all the city’s activities but retreat to a calm oasis in the evenings. Th e area’s schools are part of the C ypress-Fairbanks Independent School District, and Jersey Village High School is an award-winning school, according to US New & World Reports . The average price of a home in Jersey Village  is $405,000.  Montrose  A small but vibrant area brimming with things to do, Montrose lies just west of the downtown area. Its unique neighborhood supplies a mix of activities and amenities in just several square miles. Discover culture, nightlife, dance clubs, delicious dining, and one-of-a-kind shopping experiences. Montrose is famous for its outdoor artwork, including the Menil Collection artwork, which actually spans across five different buildings!  Be sure to stroll along Westheimer Road, which is known for its many thrift shops, tattoo parlors, and bars.  Creative and eclectic, Montrose, with a population of just over 32,000, is perfect for those always looking for something different. It boasts some of the best public high schools in the state , plus multiple primary schools. The average home cost in Montrose  is $575,000.  Midtown  An ideal location and top gay neighborhood, Midtown is situated on the east end of Houston’s downtown and near the world-class Museum District. It is a  highly walkable area filled with coffee shops, restaurants, parks, and local shops and businesses. The three-acre Midtown Park is a central attraction. It’s not only a hub for events and festivals but also features a waterpark, kids’ play areas, a dog park, and more.  Those seeking a romantic evening out will definitely want to check out Rosalie Italian Soul a short jaunt away at the C. Baldwin Hotel. A favorite among millennials, this locale has plenty of unique spots to explore. With a population of less than 12,000, it is close to downtown and has easy access to many schools and businesses.  According to Niche, Midtown is home to several top-rated private schools  and multiple primary and secondary schools that receive A to A+ ratings. The average house price  is $389,000.  The Heights  Filled with a unique, funky vibe, The Heights is a great option for those seeking an LGBTQ-friendly neighborhood. It is known for its historic homes, rich arts, and culture. Discover unique pop-up shops, art markets, monthly live music events, and many dining options. The vibrant 19th Street Heights Strip is one of the best-known attractions, where many unique shops and eateries are located.  Located in northwest-central Houston, The Heights is just a few miles from downtown but has its own vibe, complete with access to trails and parks. Residents of The Heights have access to a number of public elementary schools, middle schools, and high schools, as well as two state charter schools and three public schools.  In October, stroll over to the Bayou City Art Festival to check out local artists, and maybe pick up a beautiful piece of artwork from a nearby galleria.  Heights High School  is the #1 h igh school in Houston and ranks just over 4,000 nationally for high schools. The median home price in The Heights  runs at about $650,000.    Buying in Houston   Discover top gay neighborhoods where inclusivity and acceptance mean everyone can feel comfortable being authentic. This is why more gays and lesbians are calling Texas, particularly the Houston area, home. While the weather is generally favorable, it’s good for newcomers to educate themselves on emergency plans for things like flooding and tropical storms.  August is typically the hottest month in the city; temperatures tend to hover around 95°F, though there may be triple-digit days with heat advisories. Those wanting to soak up the sun will want to wait until the fall, when temps are more reasonable. There are various loan options available that only require 3% to %5 down, such as FHA loans and %5 down conventional loans. Many people prefer to put down 20% if they can to avoid the high cost of private mortgage insurance. However, here at Pride Lending, we understand that might not be feasible. Our experienced staff will work with you to help you find the best option for your financial situation.  We have access to numerous down payment assistance programs, including $50,000 DPA from the city itself for low-income borrowers. The Texas State Affordable Housing Corporation also has grants for borrowers who meet credit score and income requirements. Additionally, Pride Lending works with national down payment assistance programs for those who need further help.  This city is also an excellent place for developers. There are approximately 46,000 acres  of vacant lots available, and given the huge population influx, an investor could make a significant windfall by building in an attractive gayborhood.  There’s no shortage of activities, from vibrant nightlife to fine dining with diverse cuisine options. The area also offers a wide range of property values and various types of neighborhoods to choose from. Ready to call Houston home? Discover how Pride Lending can make it happen.  Pride Lending is the first mortgage company in the United States catering to the LGBTQ+ community. We’re committed to helping everyone, regardless of their sexuality, gender, or race, join the ranks of American homeowners.  Our work is centered around assisting those who have been traditionally sidelined by large banks and mortgage companies.  Each member of our team is an ally or part of a marginalized group, including LGBTQ+ and BIPOC individuals. We have a deep sense of responsibility toward helping others achieve homeownership.  If you’re curious about what you can afford, apply now  to see the latest rates and your options. Call us at 725-231-0192  to speak to an experienced loan officer, or contact us  via email to get more detailed advice about your journey to homeownership.

Detroit, Michigan, is steeped in history and diversity. Many know it for its resilience, stunning architecture, music scene, and dynamic atmosphere. Each neighborhood in Detroit has its personality and strong sense of community.  Regarding the LGBTQ community, Detroit is one of the best places to live and visit. LGBTQ bars, restaurants, and resources are abundant in the community. For example, the Ruth Ellis Center supports LGBTQ youth and strives for racial equity across Michigan, showing the region’s commitment to a brighter and more equitable future. Thanks to the friendly neighborhoods and shows celebrating the LGBTQ community, approximately 131,000 queer individuals  thrive in Detroit.  The city is also quickly becoming one of the most diverse places in the country: a 2020 study found that no city grew more in diversity  across the United States than Detroit.  There’s so much to love about the Motor City, especially its affordability. If Detroit is on your shortlist, here are some top neighborhoods to consider. Royal Oak  Royal Oak is on the northern edge of Downtown Detroit. This historic neighborhood has completely transformed into an inclusive community, with the streets lined with modern and historic buildings. Located in the lush Woodward Corridor, the area gives immediate access to plentiful shopping and dining options, and it’s also very walkable.  The neighborhood is known to accept people from all walks of life, with several LGBT-owned businesses, bars, restaurants, and inclusive establishments. The main attraction in Royal Oak is the Downtown area. It’s eclectic, has plenty of youthful energy, and a progressive atmosphere.  Best Spots and Events in Royal Oak There’s so much to do and see in Royal Oak. Whether you prefer the party scene, visiting the theater, or low-key gatherings, there’s something for you here. Some of the best spots are:  Dance the night away at Pronto! Catch a performance at the Royal Oak Music Theatre  Celebrate at the Royal Oak Pride Festival  Our Favorite Spot in Royal Oak Pronto!  is at the top of our list of places to visit in Royal Oak. This lounge and show bar has been a local favorite since its opening in 1991. It features shows like VIP karaoke, live DJs, fiesta Fridays, Lesbian nights, and drag shows.  Moving to Royal Oak  About 59,000 people live here. The vibrant culture and great schools are huge draws to the area. It’s near the business district, so those commuting to work are in a great spot. If you’re considering buying a home here, the average home price is $323,999 . Ferndale Ferndale is a neighborhood located north of metro Detroit in the Woodward Corridor, with 9 Mile Road as its main thoroughfare. Originally a laid-back and quiet residential area, the neighborhood has grown into a major place to shop, dine, and play. It’s similar to Royal Oak in that it has evolved into a bustling neighborhood that takes pride in its diverse community. Now, Ferndale is known as the most LGBTQ-friendly neighborhood in Detroit.  The LGBT community has grown substantially here in the last few years, making it an accepting place to call home. People love walking around its revitalized downtown, where you can find cute coffee shops, The Ringwald Theatre, and art galleries.  Most importantly, Ferndale has one of the highest numbers of same-sex couples in the area, only second to Pleasant Ridge; in fact, two of its former mayors are openly gay. Best Spots and Events in Ferndale What we like about Ferndale is that you can find laid-back things to do but also embrace LGBTQ life. Some of the best things to do and occasions to attend in Ferndale are: Enjoy a slice of Detroit-style pizza at Como’s  Watch a performance at The Ringwald Theatre Attend Ferndale Pride and their DIY Street Fair Our Favorite Spot in Ferndale Soho  is a bar in the heart of the neighborhood’s entertainment district. The atmosphere shifts from relaxed to lively depending on the day and time you visit. We love the welcoming atmosphere, karaoke nights, dance parties, and many bars. Moving to Ferndale Ferndale is on the smaller side regarding the neighborhood populations in Detroit. With 20,000 people living there, the average home costs around $250,000. Great schools surround it, and it isn’t far from the metro Detroit area.  Palmer Park Palmer Park is the original gayborhood in Detroit and is fiercely competing for the title of the most LGBTQ-friendly neighborhood in metro Detroit. This neighborhood served as the epicenter of the city’s LGBTQ advocacy movement during the 70s and 80s. The Ruth Ellis Center, which serves at-risk LGBTQ youth, is located here and has been praised by many openly out celebrities, including Whoopi Goldberg and Wanda Sykes. The neighborhood is 89% Black and 10% white, and it has a mix of people of all ages, making it very welcoming to young families.  In addition to its rich history of advocacy, the area is famous for its historic architecture, stately mansions, and beautiful apartment district. The art scene is vibrant here, with many local artists living or showcasing their work around the neighborhood.  The park is host to Hotter than July, the Black LGBTQ celebration that draws queer people of color from across the Midwest during the summer.  Although the area is filled with retail shops and many bars, the main attraction is the beautiful green space. Best Spots in Palmer Park You’ll find many more laid-back activities in this neighborhood of Detroit than others. A few things you can do here are:   Attend the Palmer Park Pride Picnic Enjoy a picnic at the park Admire artwork at the Palmer Art Fair Our Favorite Spot in Palmer Park Menjo’s  is one of the oldest LGBTQ places in Detroit. It is located in the Palmer Park hot spot in a large complex with three businesses: the Eagle Leather Bar, Menjo’s Bar, and the Olympic Theater. You can go for happy hour, Sunday tea, karaoke, or rock the dance floor.  Moving to Palmer Park This Detroit neighborhood has a smaller population, with around 10,000 people living there. It’s a quaint area with cozy coffee shops, a good school district, and close to Downtown and employment opportunities. The median home price is $180,000.  Indian Village & West Village Indian Village and West Village are two small neighborhoods adjacent to each other on the city's east side. Both are considered welcoming to the LGBTQ+ community. This area is famous for its elegant and historic mansions and other structures.  The overall atmosphere of these neighborhoods is casual and cozy. There are several unique retail shops, restaurants, bars, and cultural spots to stop at. Those who live here boast about how inclusive and tight-knit the area is.  Best Spots and Events in Indian Village & West Village Even though they’re smaller neighborhoods, there are still plenty of exciting things to do in Indian Village and West Village:  Participate in the West Village Home Tour  See the historic Delos C. Gamble House  Walk along the river at Gabriel Richard Park Our Favorite Spot in Indian Village & West Village You can't miss Detroit Vegan Soul if you're vegan or open to trying vegan food. It’s an LGBTQ-owned vegan spot. People come for the food but stay for the welcoming space and sense of community the owners have created.  Moving to Indian Village & West Village Indian Village and West Village have about 8,000 residents. Even with a smaller population, the average home price is higher than some other areas, with many costing around $300,000. Its proximity to the Palmer Park area and Downtown makes it a highly desirable spot to live.  Midtown Midtown, sometimes considered part of Downtown Detroit, is ideal for those who enjoy a more urban lifestyle as it is easily accessible to Detroit’s center. It’s also a very diverse area: 49% of the population is Black or African American, and the population tends toward working professionals. Gay men and women love living and working in this area because of the neighborhood's accepting attitude, great nightlife, sporting matches, movie theaters,  and museums. Detroit Public Theatre is located here and serves as the epicenter of the Michigan arts movement, serving up LGBTQ-oriented entertainment all year.  Woodward Avenue is one of the major highways that runs through Detroit and is sometimes called Detroit’s Main Street. This road is home to many of the neighborhood’s main attractions, such as cultural landmarks and museums.   Best Spots and Events in Midtown The best part of moving to Midtown is that there’s never a shortage of things for you to do and occasions to attend. Here are a few to consider:  Catch a show at the comedy club Detroit House of Comedy Join the festivities of Motor City Pride in June  Spend the day at the Detroit Institute of Arts  Our Favorite Spot in Midtown Almost anywhere associated with gay life is fun to hang out at, but there’s something different about visiting a city’s first real gay bar. Gigi’s  is located in Midtown and has been an LGBTQ+ community center since 1973. We love that they often throw themed dance parties.  Moving to Midtown Nearly 17,000 people live in Midtown, and despite being the urban center, the average home cost is only around $250,000. It’s close to great schools, including Wayne State University. It’s in the perfect spot to travel throughout the rest of the city and is ideal for young professionals.  Corktown & Woodbridge Like Indian Village and West Village, Corktown and Woodbridge are adjacent neighborhoods. Corktown is the oldest neighborhood in the city, dating back to the 1830s. It’s well-known for its Irish influence and Victorian architecture. In recent years, Corktown has gone through a total revitalization, including the redevelopment of the Michigan Central Station by Ford Motor Company. Niche gives it a A rating  for diversity, and it also has a significant population of children under 18, making it a great place to raise a family in a close-knit, revitalized neighborhood. Woodbridge is close behind with a diversity rating of A- .  Most people would agree that the main attraction to these Detroit neighborhoods is the vibrant restaurant and entertainment scene. It’s a foodie’s haven on Michigan Avenue. There are LQBTQ bars that offer live music for you to enjoy.  Best Spots in Events in Corktown & Woodbridge Much like other neighborhoods in Detroit, there’s a little bit of everything in Corktown and Woodbridge. If you’re looking for inspiration on what to do, some things are:  Enjoy a meal at PJ’s Lager House Visit the original site of the Tigers stadium  Walk along the Detroit Riverwalk Our Favorite Spot in Corktown & Woodbridge Our favorite spot in Corktown and Woodbridge isn’t exclusively for LGBTQ individuals, but the restaurant is incredibly accepting of the LGBTQ community. Mink  is known as one of the best restaurants in the city. It offers a five-course tasting menu featuring ethically and sustainably sourced seafood. Moving to Corktown & Woodbridge Both neighborhoods combined have a total population of 6,000 residents. The average cost of a home here is comparable to the other inclusive neighborhoods, costing around $280,000. It’s perfect for foodies, families, and people of all ages who want a combination of suburban and urban life.  Be a Local to One of Detroit’s Best Gay Neighborhoods  Detroit’s bustling urban center has great nightlife, plus smaller neighborhoods surrounding the city offer plenty of charm. As one of the best cities representing the LGBTQ community center, dozens of establishments accept and celebrate those within this flag.  As an added benefit to moving to Detroit, the echoes of the auto industry mean that the city is connected by many major highways, making it possible to quickly head off for vacation in another Midwest city if you so choose.  If you’ve been wanting to move to one of the most LGBTQ-friendly cities in the United States, Detroit is ready with open arms.  The cost of living in the Metro Detroit area is far more affordable than other metropolises across the country, with the average home selling around $85,000 . With home prices averaging around 80k, you’re better off buying than renting.  If you’re willing to pay private mortgage insurance in exchange for lower upfront costs, we can help you find mortgages with low down payment requirements, sometimes as low as 3% to 5%. It’s often recommended that you make a 20% down payment to avoid the higher cost of private mortgage insurance. However, we understand this can be a significant cost for future homeowners.  Pride Lending is here to help. We have access to a variety of down payment assistance programs, including ones set up by the City of Detroit to encourage permanent residency.  Depending on your income and current homeownership status, you may be qualified for up to $25,000 in down payment and closing costs assistance; thanks to the low cost of housing, you could be well on your way to achieving your dreams with this program. Additionally, we’ll help you find national programs you may qualify for.  Our team will also help you choose the right mortgage program for your needs, whether that’s an FHA loan or VA loan.  Pride Lending is the first mortgage brokerage in the United States with a specific focus on LGBT individuals. All of our staff are allies or members of marginalized communities, including the LGBTQ+ and BIPOC communities. Our goal is to help everyone, no matter their identity, find the right home loan for their needs.  Whether you prefer to live in the city or suburbs, plenty of LGBTQ+-friendly neighborhoods are available. If you are ready to learn more about your mortgage options or start the pre-approval process, contact us today! Email us at Andrew@Pridelending.com  or give us a call at 725-231-0192.

Minneapolis, Minnesota, is one-half of the famous twin cities and among the most gay-friendly cities in the United States. But it’s home to more than just beautiful lakes and delightfully messy hamburgers (we’re looking at you, Juicy Lucy!). This Mississippi River hub has one of the most progressive LGBTQ communities in the upper Midwest. Boasting vibrant neighborhoods, eclectic nightlife, and great food and entertainment, there’s a lot that makes Minneapolis the perfect place to call home. A Brief History of Minneapolis Originally home to the Dakota and Anishinaabe peoples, Minneapolis was settled by French fur traders in the 1600s. The United States eventually purchased the land and, in 1819, built Fort Snelling military post to defend the territory. The dense forests surrounding the fort and its proximity to the Mississippi River attracted a booming sawmill business. Settlers arrived in droves, establishing the township of St. Anthony on the east side of the river and Minneapolis on the west side. Minneapolis was incorporated as a city in 1867, later absorbing St. Anthony in 1872. Thanks to St. Anthony Falls, the only natural waterfall on the Mississippi River, flour mills replaced sawmills and the city was known as the “flour-milling capital of the world” from 1880 to 1930.  Today, Minneapolis is a thriving metropolis home to a diverse population intent on preserving the city’s history.  Key Facts and Figures  Minneapolis stands because of its strategic location and vibrant population—plus, it’s a welcoming and inclusive city for the LGBTQ+ community. Proximity to Major Cities Minneapolis is conveniently located just 9 miles from St. Paul, the capital of Minnesota. It's also 230 miles from Madison, Wisconsin, and 409 miles from Chicago, making it a central hub in the region. Population Insights Minneapolis boasts a vibrant population of approximately 420,000 residents, outpacing its sister city, St. Paul, which has just over 311,000 residents. LGBTQ+ Community: According to recent available census data, Minnesota is home to nearly 10,000 same-sex couple households, reflecting the state's diverse and inclusive community. Ever-Vibrant LGBTQ Community of the Twin Cities  Minneapolis has a long history of gay rights and LGBTQ+ activism; its current inclusivity is built on a past full of historic wins. In the 1970s, it was the third city in the United States to prohibit housing or employment discrimination based on sexual orientation. In 1975, it was the first US city to pass a non-discrimination ordinance. In 2013, the state of Minnesota legalized same-sex marriage, solidifying it as one of the most gay-friendly states.  Support for the LGBTQ+ community runs deep in Minneapolis. OutFront Minnesota , the state’s largest organization that fights for LGBTQ+ justice and equity, was founded in 1987 and has been instrumental in passing legislation protecting gay and trans rights. To provide queer and trans youth access to much-needed mental health services, the Twin Cities non-profit organization RECLAIM started in the early 2000s.  Today, 4.2% of the Twin Cities population , about 112,000 people, identify as LGBTQ+. LGBTQ Events in Minneapolis  Residents of Minneapolis take advantage of the outdoors year-round, but the city ramps up its LGBTQ+ activities during the warmer months.  Minneapolis hosts one of the largest free Pride festivals  in the country every June, attracting almost 400,000 people to the 2-day event. It features 400 vendors, four music stages, 40 food stalls, the Twin Cities Pride Parade, and a fireworks show.  The Pride festival may be just one weekend, but the entire month of June is dedicated to celebrating LGBTQ+ people in Minneapolis. Pride Beer Dabbler combines Pride and one of Minneapolis’ other major draws: its craft breweries. There are also plenty of family activities, drag shows, and smaller Pride parades throughout the Twin Cities.  Come July, the GALA Choruses Festival  attracts around 7,000 LGBTQ+ singers from choruses around the world. They gather in Minneapolis for a five-day festival of singing, workshops, events, and more.  For year-round celebrations of the gay and trans community in Minneapolis, Flip Phone Events hosts regular drag brunches, shows, and parties throughout the city. From suitable-for-all-ages to don’t-bring-the-kids, there’s something for everyone! How About the Nightlife?  Minneapolis is home to many bars, dance clubs, theaters, and venues celebrating gay culture. A Bar Of Her Own is one of the hottest spots in town. This lesbian sports bar has been a huge hit since it opened its doors and continues to be one of the most popular spots in town. If you’re searching for an inclusive place to hang out, add this establishment to your list of places to visit.  The Black Hart The Black Hart of St. Paul opened in 2018 in the space occupied by the former Town House Bar. Just down the way from Allianz Field, The Black Hart is a fantastic venue that calls itself the “spiritual home for soccer in the Twin Cities.” Even if you aren’t a soccer fan, you can enjoy the bar’s fun drag shows, karaoke, and bingo.  The Gay 90’s Long known as a safe space for queer and trans people throughout the state, The Gay 90’s is a quintessential Minneapolis bastion for gay culture. It’s home to drag shows, concerts on their circular stage, and an impressive meal menu.  Penumbra Theatre If bars aren’t your thing or you’re interested in a different type of nightlife entertainment, check out Penumbra Theatre. Home to Minnesota’s only professional African-American theater company, Penumbra's productions focus on racial healing and equity. The company welcomes people of all backgrounds to experience its shows.  Nicollet Diner Craving something hearty to finish up your night out? Check out Nicollet Diner, a queer-owned restaurant in downtown Minneapolis. This Minneapolis staple is one of the most popular 24-hour eateries in the city, and it serves true American diner-style food.  The Best Gayborhoods in the City   Whether you want the activity of a busy downtown or the tree-lined streets of a quieter community, Minneapolis has a neighborhood for you!  Loring Park This downtown neighborhood  in Minneapolis shares its name with the actual Loring Park at its center. Here, you can celebrate the history of gay people in the city. Home of Twin Cities Pride and the end-point of the annual Pride parade, Loring Park is perfect for those drawn to modern condos and apartments nearby to a quaint city park and lake. The neighborhood boasts an extensive park system, fantastic restaurants, and opportunities for biking and hiking. Powderhorn Park Three miles south of downtown, Powderhorn Park is another of the city’s many neighborhoods known for having a large park at its center. Also home to Powderhorn Lake, this neighborhood is the site of the annual Powderhorn Arts Festival and the May Day Festival. The neighborhood includes single-family homes, apartments, and duplexes. With one of the most diverse populations in Minneapolis, Powderhorn Park is a favorite neighborhood for LGBTQ+ residents. Uptown Unsurprisingly, the neighborhood immortalized by the famous Prince song (written for and about the artist’s hometown) is a bustling, hip place to call home. Nestled on the shore of Lake Bde Maka Ska, Uptown is filled with quaint bistros like French Meadow Cafe, vintage clothing stores, and historic buildings. Every August, the community hosts the Uptown Art Fair, and recently, the unique and charming Uptown Dog Fair in October has attracted dog lovers throughout the city. Northeast Minneapolis Named the city’s gayest neighborhood, Northeast Minneapolis is one of the newer LGBTQ+ areas, drawing residents in with affordable homes. Northeast has a thriving arts district with galleries and outdoor art installations, many queer-owned businesses like Wild Things Antiques, and diverse eateries. This is a welcoming community for the city’s growing gay population.  Highlights of Moving to Minneapolis  A Cold Weather Destination If cold and snow  is the life for you, Minneapolis may be your dream city. Winters can get brutally cold, with an average January high of 22 degrees. The city’s many lakes often freeze over for months, and residents can ice skate, ski, and ice fish.  People who aren’t as enthusiastic about the arctic blast can use the famous Skyway System, made up of enclosed sky bridges that connect buildings throughout the city. The Skyway System is actually the largest continuous second-story bridges not just in America, but in the world.  Plenty of Summer Sun Despite the extreme winters, residents can take advantage of Minneapolis’s extensive parks during the mild, humid summers. Minneapolis has one of the country’s best-maintained park systems, including hiking trails, cycling paths, many lakes, and plenty of places for a picnic. Summer months are chock-full of tours at Longfellow Gardens, activities at Minnehaha Falls, and outdoor dining at the city’s huge selection of restaurants.  Easy to Get Around Town Another benefit to living in Minneapolis is the well-developed public transit system. There’s an extensive light rail and bus system, so you may not even need your car to live in this city comfortably. Transportation costs about $2.50 for a one-way ticket and $90 for a monthly pass.  Impressive Purchasing Power The cost of living in Minneapolis  is comparable to smaller metropolitan areas in the Midwest. Before rent, the average monthly expenses for a single person are $1,196, and for a family of four, they are $4,327. Essential utilities, including electricity, water, heating, cooling, and garbage, are approximately $168 monthly for a 915-square-foot apartment.  A Thriving Job Market Employment opportunities abound in Minneapolis, with The Mayo Clinic, Target, Cargill, and United Health Group among the city’s largest employers. The city is also home to other Fortune 500 companies, the University of Minnesota, and various colleges. The city has a large, well-educated workforce with an average monthly salary of $4,604. The State of the Real Estate  Minneapolis’ housing market is similar to the current state of housing throughout the country. According to Redfin, home prices have increased by 7.1% since 2023, with the average home selling for about $360k after 20 days on the market and receiving about 3 offers. It’s a competitive market, with 46.1% of houses selling above asking.  The average rent in Minneapolis is $1,304 per month, which is about 12% less than the US average. While renting is an option, particularly in one of the many apartment buildings in up-and-comi ng  areas, Minnesota is one of the best states to buy a house in a gay community. Homeownership  Those interested in buying a home in Minneapolis should know that although the market is extremely competitive, it’s slightly easier to buy houses in Minneapolis than nearby areas. Home prices here follow the same trajectory as the United States, but Minneapolis’s average home price is 17% less than the US average.  Renting is cheaper than buying a home in Minneapolis, with the 2023 average rental price for a single-family home just $2,381 a month. That same home would have a monthly mortgage of $2,852. However, buying may still be a better choice in many cases than renting. Homeowners receive tax breaks and build up equity, whereas renters may only see increasing monthly rent through the years without the benefits of owning a home.  Houses require a significant upfront investment. However, we understand that. That’s why our experts can help you enjoy lower minimum down payments. Our lenders can match you up with programs like the 3.5% down payment loan program for well-qualified buyers or a 5% down payment loan. It’s important to understand that even though homeowners often expect to put at least 20% down to avoid mortgage insurance, our lenders will work with you to help you find a solution that meets your needs .  The City of Minneapolis provides up to $20,000, 30-year deferred mortgage financing to eligible buyers based on their household income. Additionally, statewide programs can offer $18,000 in deferred loans for any buyer or up to $53,000 for first-time homebuyers depending on eli gibility. Pride Lending works with a variety of national down payment assistance programs as well. Before launching an in-depth home search, contact Pride Lending so you’re prepared to make an offer when you find the perfect place in your ideal neighborhood.  Investing in Real Estate  Buyers looking at investment properties in Minneapolis should know that economic growth and city revitalization make this city the perfect candidate. The retail sector is thriving even though many businesses prefer to lease smaller spaces to avoid higher rent costs.  Investors can take advantage of the 3% growth rate in retail rentals  with an average lease rate of $16 per square foot per year. The growth in the retail sector is stronger than in the office building sector. Post-pandemic work-from-home numbers are still keeping office spaces open and rental rates low.  Minneapolis's vital economy and active gay-friendly community make investing in Airbnb properties another lucrative option. Loring Park, a community that sees an uptick in tourism during Pride, had an occupancy rate of 71%  during 2023 and an average annual revenue of $36,672 for a two-bedroom, two-bath rental. Uptown is even stronger, with a 77% occupancy rate and an average revenue of $38,412 for the same home size.  Start Your Minneapolis Home Search Today With its rich history and growing gay community, Minneapolis has a lot to offer. At Pride Lending, we’re excited to help you begin your search for your dream home in one of the country’s most gay-friendly cities! Pride Lending is a fierce advocate for marginalized buyers; all of our staff are allies or members of the LGBTQ+ or BIPOC communities. We aim to help everyone, no matter their race, sexuality, or gender, afford their dream of homeownership. We’ll match you to the right programs for your needs and help you every step of the way, ensuring you’re always supported throughout your mortgage journey.  Before you start searching for your next home or investment, start with our free and easy pre-approval   process, available right from our website. This is the first step to discovering which loan options are available for your circumstances. From there, we’ll compare mortgage rates and terms and find the home loan that’s best for you. You can easily reach us at Andrew@pridelending.com   or 727-591-7909.

Nicknamed the City of Fountains, the birthplace of Kansas City Jazz, and home to some of the country’s best barbecue joints, Kansas City is full of small-town charm in a welcoming metropolis. Nestled against the Kansas and Missouri Rivers, the city’s central location established it as a major hub in the early history of the United States.  KC attracts a diverse population thanks to its history, downtown redevelopment, and welcoming attitude. If you’re considering moving to Kansas City, you’ll find neighborhoods with thriving art culture, enthusiastic sports fans, incredible food and shopping, and plenty of midwestern support for LGBTQ+ residents.  Kansas City’s LGBTQ Community Kansas City has a rich history of gay civil rights dating back to before the Stonewall riots. When people could be arrested just for being gay, Kansas City was a haven for the LGBTQ+ community.  In 1966, leaders from gay communities around the country held the first-ever conference of its kind at The State Hotel. Participants went on to start the Phoenix Society for Individual Freedom, a Kansas City organization that published newsletters and held events for the LGBTQ community. Phoenix Society and other early groups set the groundwork for Kansas City to become one of the country’s LGBTQ-friendly cities.  Today, Kansas City has sexual orientation and gender identity protections for employment, housing, and public accommodations. It scores a perfect 100 on the Municipal Equality Index Scorecard (MEI). As of 2021, 3.8% of Missouri’s population is LGBTQ+, and the city itself has about 60,000 gay residents.  Local support for the gay and trans community includes PFLAG Kansas City , the nation’s largest family-based organization that supports and advances the civil rights of LGBTQ+ people and their families. Additionally, the city’s LGBTQIA+ community center, Kansas City Center for Inclusion , opened its doors in 2017.  Kansas City held its first Gay Pride Festival in 1975, and today, it celebrates a 3-day weekend PrideFest every June. Despite what people may think, Kansas City is also quite diverse, too: over 26%  of the population is Black or African American, and there is also a significant Asian population as well. As the Gateway to the West, the city also serves as a cultural crossroads, inviting people from all backgrounds to enjoy food, festivals, and fun.  Top Gay Neighborhoods in the City  Kansas City’s gay-friendly hub is the Crossroads Arts District, but there are plenty of LGBTQ+-friendly places the gay community calls home.  Briarcliff The neighborhood of Briarcliff is made up of Briarcliff West and Briarcliff-Claymont. Perched on the cliffs above the Missouri River, residents enjoy views of Kansas City’s skyline and the natural features of the river bluffs. Known for its hilly, densely treed streets and extensive parks, it feels like a hidden suburban enclave despite being just 12 minutes from downtown Kansas City. The residents here are known for their progressive values and community spirit, making it a comfortable place for LGBTQ+ individuals and families. This is a quiet, family-friendly area of older single-family Tudors and Colonials mixed with recently built modern-style homes. Even though it’s the suburbs, Briarcliff has plenty of attractions, including the Frank Bott House, built by Frank Lloyd Wright; Piropos Restaurant, a phenomenal Argentinean steakhouse; the outdoor shopping center Village at Briarcliff; and more!  Moving to Briarcliff About 5,100 people live in Briarcliff, and most own their homes. Many families have children who attend the aptly named Briarcliff Elementary, North Kansas City High School, or Park Hill High School. The average home price is $388,750.  Thanks to major highways that ring the neighborhood, Briarcliff is just 12 minutes from Kansas City and 20 minutes from Kansas City International Airport (MCI). The Historic Northeast Historic Northeast Kansas City contains smaller subdivisions with homes from the late 19th century. Pendleton Heights, the second oldest residentially designed neighborhood in Kansas City, was named one of the “Best Old House Neighborhoods in the US” by This Old House in 2013. Scarritt Renaissance is also part of Northeast Kansas City.  Both residential areas have a plethora of Queen Annes, Victorians, and Tudors, as well as new modern construction. This neighborhood boasts a vibrant mix of cultures, making it a hub for community activism and support for civil rights, including LGBTQ+ rights. Attractions include the Kansas City Museum in a 70-room 1909 mansion; Kessler Park, an incredible natural area with views of the Missouri River, the 4-mile biking and hiking trail Cliff Drive, and Kessler Waterfall; and Art Garden KC, a free art festival open every Sunday from April to October.  Moving to the Historic Northeast Even though Northeast Kansas City is only 4 miles from downtown Kansas City, the area has a calm suburban vibe. The average home price ranges from $183,450 in Scarritt Renaissance to $244,000 in Pendleton Heights.  The population of about 9,300 is a mix of young professionals, young couples, and families. Children attend one of the Kansas City School District Public Schools like Garfield Elementary or Northeast High School.  Brookside Brookside is a popular choice for young LGBTQ+ professionals and families. This very walkable neighborhood has tree-lined streets with a lovely outdoor shopping area. Brookside is known for its eclectic stores, quaint coffee shops, and outstanding restaurants like Irish bar Brady & Fox. Brookside hosts events yearly that draw visitors from around the metropolitan area, including a huge St. Patrick’s Day parade in March and the Brookside Art Annual  in May.  Moving to Brookside Brookside is only 5 miles from downtown, but its 12,000 residents make it feel like a charming town. Like much of the Kansas City area, homes tend to be historic and built in the early 1900s to 1920s. The average home price is about $276,000 for single-family homes and a scattering of apartments.  Crossroads  As Kansas City's unofficial gay neighborhood, Crossroads has the electric energy and busy city vibe you’d expect from a downtown district. Once a center of warehouses and industry, the old brick buildings have been redesigned into luxury apartments and lofts. Today, Crossroads is the creative center of Kansas City, with more than 60 art galleries and artists’ studios.  The Crossroads Arts District in Kansas is renowned for its commitment to promoting diversity and acceptance. It hosts a variety of events that celebrate the LGBTQ+ community. Monthly First Fridays feature art from local and international LGBTQ+ artists, fostering an inclusive atmosphere. The district also participates in Kansas City PrideFest, hosts LGBTQ+ art exhibitions, and organizes Out in the Crossroads events, providing social and educational opportunities. Additionally, festivals like the Fringe Festival, the Latino Arts Festival, and regular drag shows at local venues contribute to the neighborhood's vibrant and welcoming environment. Being next to Downtown means Crossroads residents access the city's major attractions. Liberty Memorial and the Kauffman Center for the Performing Arts are within a walk or short bus ride. In the Crossroads, you’ll find Town Topic Hamburgers, a local restaurant staple open since 1937. And with all the artists in the district, First Fridays  showcases the incredible talents on display throughout the area’s galleries.  Moving to Crossroads Crossroads Arts District is home to about 2,000 young professionals and families and has the largest population of LGBTQ+ residents in the city. Housing here primarily includes apartments, lofts, and condos, with an average home sale price of $460,500. Children attend Primitivo Garcia Elementary School, Northeast Middle School, and Northeast High School.  Midtown Between the hip Crossroads arts district and historic Country Club Plaza, Midtown includes Old Westport and North, Central, and South Hyde Parks.  Westport is one of Kansas City’s oldest neighborhoods. It started as the westernmost town where settlers stopped to buy provisions before continuing into Kansas Territory, and some buildings from the early 1900s still stand today. You’ll find shops, bars, and local restaurants three miles from downtown Kansas City.  Hyde Park subdivisions have a mix of apartment buildings and turn-of-the-century single-family homes. You’ll find renovated Queen Annes, American Foursquare, and Craftsman bungalows colorfully nestled along tree-lined streets. Central Hyde Park was developed in the 1880s as an upper-class community with the private Hyde Park. Today, everyone can enjoy the 7.5-acre parkland.  Midtown mixes quieter, suburban-style streets with a busy urban bustle, drawing in a diverse population. It’s home to Kansas City concert-goers’ favorite Uptown Theater, the Nelson-Atkins Museum of Art, and LGBTQ+ bar and restaurant staples like Missie B’s, Bistro 303, and Sidekicks Saloon. Moving to Midtown Homes in Old Westport average about $300,000 for single-family houses and apartments. The Hyde Park subdivisions are higher, around $644,000 for mostly historic single-family homes. About 3,000 residents call this area of the city home. Children attend Primitivo Garcia Elementary or M.L. King Elementary, Central Middle, and Central High School.  West Bottoms Originally home to the city’s stockyards and industrial warehouses, West Bottoms  has experienced a massive revitalization. Today, It is full of antique stores and incredible places to eat, like Blue Bird Cafe, which has a bar tucked here and there.  Westside North residents live in a diverse mix of homes, from renovated Victorians and uber-modern new construction to industrial-style lofts and cozy apartments. The area is quirky, creative, and passionate about preserving the city’s history.  Moving to West Bottoms West Bottoms is in the heart of the city, tucked into the confluence of the Missouri and Kansas Rivers and right on the edge of the Kansas and Missouri state line. The average home price is $495,000, but it ranges drastically from $150,000 homes that need renovation to multi-million dollar restored mansions. It has a population of 2,364 residents, and the kids attend Primitivo Garcia Elementary, Northeast Middle, and Northeast High.  Exploring Gay Kansas City: Events, Nightlife, and More  One of Kansas City’s great charms is its people's friendliness; nothing gives you a dose of Midwestern hospitality more than socializing throughout the city. Thanks to the city’s long history of supporting LGBTQ+ rights, there are many activities and locations where LGBT community members will feel right at home. Events and Nightlife  Although Kansas City doesn’t have the boisterous event calendar of some larger cities, there’s a wealth of activity throughout the year. The first Pride Festival was held here in 1975, and KC PrideFest  repeats every June for a 3-day weekend of parades, music, and celebration. The city also hosts the KC LGBT Film Festival in June, attracting straight and LGBT visitors.  Every spring, the city celebrates its Irish roots with St. Patrick’s Day parades while the AIDS Service Foundation hosts the annual AIDS Walk Kansas City  in April. For nightly entertainment, gay Kansas City flocks to Missie B’s , the city’s largest and most famous LGBTQ+ bar and nightclub. Queer Bar Takeover  is the second Saturday of every month and turns traditionally straight bars or clubs into inclusive spaces for the LGBT community. For the ultimate in choices, the bustling Power & Light District is home to over 50 bars, clubs, and restaurants. Bars and Restaurants  The Power & Light entertainment district isn’t the only place in the city with plenty of bars and restaurants.  Woody’s on Broadway Boulevard is an LGBTQ sports bar where you can cheer on the Chiefs to another Super Bowl win. Sidestreet Bar and Grill is a gay dive bar known for its relaxed back patio. Another staple, Sidekicks Saloon is a country-western gay bar and city favorite.  For incredible local food, Bistro 303 in Westport serves upscale, French-bistro-style cuisine and cocktails. Hamburger Mary’s KC , an LGBTQ-friendly bar and grille with Drag Brunches and Trivia nights, makes diner food with a twist. Even if you don’t have a strong interest in barbecue, you should try the Kansas City version at least once. Arthur Bryant’s and Gates Bar-B-Q are local institutions.  Arts and Culture  There are so many cultural activities in Kansas City that it can be difficult for residents to decide which to choose. Museums popular with natives and visitors include the nationally renowned Nelson-Atkins Museum of Art , Kemper Museum of Contemporary Art, American Jazz Museum at 18th & Vine, and Science City in historic Union Station.  A Midwest institution, Country Club Plaza is modeled after a traditional Spanish town. As a sister city to Seville, Spain, it’s easy to see where the Plaza gets its inspiration. The outdoor shopping center has dozens of stores, restaurants, bars, and some of the hundreds of fountains KC is famous for.  Kauffman Center for Performing Arts  welcomes symphonies, ballets, and operas inside its incredible halls. But for more low-key, intimate settings, Kansas Citians can choose from venues like Uptown Theater, Madrid Theatre, or The Midland Theatre.  If you’d like to walk and explore, be sure to pick up the map for the African American Heritage Trail of Kansas City , which delves into the generations of Black Americans who developed this unique city that straddles two states.  Farmer’s Markets, Parks, and Recreation Despite Missouri’s cold winters and hot summers, people stay busy with plenty of outdoor activities. Stonewall Sports  is an inclusive LGBTQ+ sports organization with billiards, kickball, volleyball, pickleball, softball, trivia, and more throughout the city. Their teams are open to everyone, gay or straight, and some of the city’s biggest names in the gay community sponsor teams. Swope Park , one of the largest urban parks in the country, is also the city’s center of recreation. With 1,805 acres of protected green space, Swope Park houses the Kansas City Zoo, Starlight Theater, two golf courses, a zipline and adventure course, and much more! A visit to Swope Park can easily fill your day with activities. Much like Swope Park, City Market  is another KC staple where you’ll need at least a day of exploration. Also known as the River Market, this historic farmers’ market dates back to 1857. Held every weekend year-round, the City Market has unique shops, places to eat, local vendors, and the famous Steamboat Arabia Museum.  Start Your Search for Midwestern Charm The average home in Kansas City cos ts around $280,000, which is incredibly affordable compared to many other major cities. Minimum down payment options of 3% and 5% make moving more affordable for future homeowners. Most people seek to put down 20% in order to avoid mortgage insurance and secure the best rates, which means an upfront investment of around $56,000. If this seems challenging, don’t worry: our team at Pride Lending can help y ou find down payment assistance programs to make your dreams possible. This can include local options like the Kansas Housing Corporation, which runs a First Time Homebuyer program for those making less than 80% of the median area income and purchasing their first property in the last three years. Additionally, we’ll match you to national programs and help you find loan options you can afford, such as conventional loans that require only 5% down.  With everything Kansas City has, it’s easy to understand why many LGBTQ+ people call the City of Fountains home. Even though it’s tempting to jump into a search for the perfect West Bottoms loft or Midtown Queen Anne, contact Pride Lending  before you begin.  We’ll start with a free, simple pre-approval process, look at your current financial situation, and help you find the right home loan for your scenario. From fixed-rate or adjustable-rate mortgages to jumbo loans or VA loans, our team works with you. It doesn’t matter if this is your first or last house – Pride Lending will help you buy the home of your dreams! Pride Lending’s staff is made up of allies and members of marginalized communities, including LGBTQ+ and BIPOC-identifying individuals. We strive to help everyone, regardless of their background, achieve homeownership. With our experience, we’ll match you to the right products for your needs, such as FHA loans for those with less-than-perfect credit and VA loans for service members. If you want to invest, we also offer investment loan products that will help you purchase the property of your dreams. To get in touch, call us at 725-231-0192  or email us  for further details. You can also apply now  to see how much you can afford and start a conversation with one of our friendly loan officers ready to help.

Los Angeles is a lively city in California, famous for its various cultures, popular landmarks, and hospitable environment. This city is rich in LGBTQ-friendly gayborhoods like West Hollywood and Silver Lake. It’s also home to well-known spots like Venice Beach, Sunset Boulevard, and Santa Monica Boulevard, which have been ingrained in American pop culture. Los Angeles' lively LGBTQ scene is only second to San Francisco's, where many events, clubs, and organizations unite the community. To experience the ambiance of this world-renowned city, escape the downtown concrete jungle and head for the beaches of Santa Monica, Malibu, or Laguna.  Another reason that Los Angeles is so popular is because it’s close to many other big cities, making it a perfect place to launch your best vacations. Palm Springs, renowned as a gay retiree destination, is about 2 hours away if you’d like a quiet getaway. The Happiest Place on Earth, Disney Land, is no more than 1 hour away even in heavy traffic.  There are also closer options, such as San Diego, which is only about 2-3 hours away by car, or Orange County (Newport Beach and Huntington Beach), which can be reached in 40 minutes to 1-hour driving time from Pacific Coast Highway southbound.  It's no surprise that California is one of the most gay-friendly states. Whether you’re looking for a vacation getaway or a place to call home, Los Angeles has it all. Los Angeles’ Many Queer Neighborhoods  Los Angeles County has long been a home for LGBTQ culture and life, offering a variety of vibrant, welcoming neighborhoods. These areas each have their unique history and attractions, interweaving the city’s queer culture and life.  From lively shopping malls, gay bars, and clubs to rich cultural histories, here's an overview of Los Angeles’ prominent gay-friendly neighborhoods and why it’s one of the happiest places in the country. Silver Lake Silver Lake  has a colorful history. It has been home to the Pride community for years, and it was one of the first neighborhoods in the Los Angeles area to embrace the gay community. The location is known for its artsy feel and is full of different cultures and people. It is interesting because many historical sites are mixed with new hipster hangout spots. Things to Do  Get entertained at Silver Lake Lounge or drink at Akbar, a well-known gay bar. Go for a scenic walk or bike ride around the Silver Lake Reservoir. When dining out, explore Café Stella or Pine & Crane for great-tasting local dishes. West Hollywood Also known as WeHo, West Hollywood is the focal point of LGBTQ culture in Los Angeles. It began as a sanctuary for gay people in the city during the 1970s and 1980s and turned into the epicenter of its gay community.  Known for its rainbow flags adorning Santa Monica Santa Monica Boulevard , West Hollywood boasts a thriving nightlife with several gay bars and nightclubs. Things to Do At night, explore iconic venues such as The Abbey and Flaming Saddles. During the day, go to West Hollywood Park or walk down Sunset Strip to shop for the latest fashion and dine on the best food. Don’t forget about Pacific Design Center, a mecca for design and architecture enthusiasts alike. Tom Tom is a beloved staple of the food scene here, serving unique cocktails in an upscale setting. Venice Beach Venice is where bohemian culture meets the LGBTQ community because of its tolerant nature and vibrant beach boardwalk. It has earned its reputation as one the most gay-friendly cities in California, attracting gay people from all walks of life who come here to visit and live permanently. Things to Do Feel the Venice Boardwalk come alive with various performances and shops. Take a stroll around the Venice Canals. End your day at Roosterfish Bar, an LGBTQ hotspot every evening, or have dinner at Gjelina, known for its creative farm-to-table dishes. Downtown LA (DTLA) Downtown LA (DTLA)  recently experienced a revival and became a more vibrant place among LGBTQ community centers. Living or visiting there can offer everything from history in architecture through modern skyscrapers in places like Sunset Boulevard to a thriving arts scene.  Some of the world’s most iconic hotels and buildings are housed here, such as the Chateau Marmont, The Hollywood Roosevelt, and the Beverly Wilshire – not to mention the priciest hotel of them all, the stunning Waldorf Astoria! There are tons of resources available for LGBTQ locals. One example is Gender Justice on the east side, which advocates for the dignity of transgender, non-binary, and gender-nonconforming people of all races and backgrounds. The Los Angeles LGBT Center supports gay men and women through workshops, group meetings, and community events throughout the year, such as the Senior Prom Party for LGBTQ elders.  Things to Do  While in downtown Los Angeles, visit the Broad Museum and immerse yourself in art life by visiting or watching a show at Ahmanson Theatre. When it comes to nightlife, Precinct is worth going to as it’s one of the biggest gay clubs downtown. Also, DTLA provides various dining options, starting with high-end restaurants like Otium and ending with trendy food courts such as Grand Central Market. Despite the entertainment industry’s country and worldwide recognition, Hollywood is famous for its many LGBTQ inhabitants. Stop by the historic Hollywood Walk of Fame and the TCL Chinese Theatre when you visit. It is a neighborhood full of life and vitality and an area with many iconic buildings and a rich history. One beloved staple of downtown Los Angeles is Griffith Park, located in the Los Feliz neighborhood. This district is the home of the famous Hollywood sign, but there’s plenty more to do here, too. Head to the Los Angeles Zoo or explore the Autry Museum of the American West to better understand how this area went from the rugged land of outlaws to a ritzy home of the rich and famous.  Santa Monica   For the LGBTQ community, Santa Monica is a favored destination since it seamlessly blends seaside relaxation and urban sophistication. The spectacular views of the sea make it the perfect place for gay friendliness and tolerance, and it has a progressive attitude. Things to Do At the Santa Monica Pier, you can relax or take in some sun at Will Rogers State Beach, which has a section designated explicitly for gay people. The Third Street Promenade boasts a wide variety of shops and stores where one can shop till they drop. The Bungalow is a pub that anyone visiting Santa Monica should not miss out on – it's got an easy-going attitude and offers ocean views. Exploring Gay Los Angeles Los Angeles is a vibrant city with a rich LGBTQ-friendly culture and numerous events, nightlife spots, bars, restaurants, and artistic venues. Whether you're exploring West Hollywood or the Silver Lake area, the city's diverse and multicultural population ensures something for everyone in this gay-friendly city. Events and Nightlife The city boasts a lively LGBTQ event calendar with something happening almost every week. The most notable is LA Pride , a massive celebration that attracts visitors (especially the younger crowd) worldwide. Held annually in June, the event features a parade, concerts, and parties that turn West Hollywood into a sea of rainbow flags. Bars and Restaurants  You’re never far from an amazing restaurant or club while in this glorious city. After sunset, the gay clubs and gay bars define the tempo of the night!  Popular establishments include The Abbey, a West Hollywood bar that is said to be one of the best gay bars in the world. Mickey’s, also situated in West Hollywood, has a reputation for its lively atmosphere and drag shows. Akbar in Silver Lake offers a more laid-back setting where people can go and relax if they want somewhere less intense. Gracias Madre serves tasty vegan Mexican dishes in an elegant indoor-outdoor setting on Santa Monica Boulevard, right near West Hollywood’s Border Grill location.  Casita del Campo serves traditional Mexican fare surrounded by colorful art pieces hung inside its walls. This joint is in Silverlake territory, not too far from Akbar if you’re looking for more than one stop on your food tour around town. Arts and Culture  Los Angele­s celebrates dive­rsity, and its arts and culture scene re­flects the vibrant LGBTQ+ community. Outfest, an annual film festival, showcases LGBTQ+ films from all over the world and is also culturally significant for the city. The Broad Museum and The Getty Center often display pieces of art that explore queer identities and experiences. The re­nowned Sunset Strip in West Hollywood is home­ to two iconic live music venues - The Roxy The­atre and The Viper Room. The­se establishments hold gre­at historical significance as they have be­en instrumental in hosting numerous conce­rts and performances tailored towards the­ LGBTQ+ community. Moving to Los Angeles: What to Expect  Los Angeles, fondly known as the­ "City of Angels," is one of the biggest cities in America where­ dreams take flight and endle­ ss possibilities await. This sun-drenched city is a melting pot, embracing pe­ople from diverse backgrounds and culture­s. Howe­ver, before moving, it's essential to understand what makes this place unique. Housing  The housing market is one of the most competitive in the country. According to Redfin, the median home price in Los Angeles is  $1.04M as of early 2024 . This marks a significant increase from previous years, reflecting the city's ongoing housing demand. Prices vary by neighborhood, with areas like Beverly Hills and Santa Monica commanding much higher prices than more suburban regions. While it’s possible to secure a loan with as little as 3% down for a first-time buyer or 5% down with a conventional loan, homeowners should strive to provide 20% or more in order to eliminate mortgage insurance and secure the best rates. In Los Angeles, this would translate to around $208,000, which can be a daunting expense. Thankfully, Pride Lending will help you find local down payment assistance programs to make up the difference. The Los Angeles Housing Department offers loans that will cover a portion of the down payment for first-time borrowers who make less than the area median income. The LACDA’s HOP80 and HOP120 Home Ownership Programs can also provide either $100,000 or 20% of the home’s purchase price, whichever is less, to first-time buyers who meet their income eligibility requirements. In addition to these offerings, we’ll work with you to find national down payment assistance programs that meet your needs, as well as low-down-payment loan programs. With our support, you’ll find a home you can afford at a rate you’ll love. Renting vs. Buying Your financial position and long-term plans determine the choice between renting and b uying. In  an unpredictable market, renting provides freedom, while purchasing can be a wise decision because of the city’s appreciation rates.  Although the average monthly mortgage payment for a home at a median price is more expensive than rent, first time homebuyer assistance programs can still make it possible to afford your dream. Environmental Risks Prospective homebuyers should consider environmental risks. Wildfires, earthquakes, and droughts are significant concerns in Southern California. Researching and investing in appropriate insurance policies  can mitigate these risks. Weather  Los Angele­s has a sunny and mild Mediterranean climate­. The winters are we­t but comfortable, with temperatures in the­ mid-50s°. The summers are hot and ve­ry dry (August being the hottest month), with a n average high of 84°F and low of 66°F . LA gets more than 280 sunny days yearly, making it ideal for outdoor activities.  Traffic  The City of Angels is famous for its heavy traffic. The city’s comprehensive system of freeways often has congested roads, especially during rush hour. According to INRIX Global Traffic Scorecard , Los Angeles is among the cities with the worst traffic jams in the world. As a result, owning a car is almost essential unless you live close to work or public transit lines. The Metro system, including buses and trains, provides some relief, but many find it insufficient for daily commuting without a car. Cost of Living  Living in LA is expensive. According to Numbeo’s Quality of Life Index, affordability is lower than most nearby cities. For example, the price of living in Los Angeles is higher than San Diego and Santa Monica but lower than San Francisco.  As of May 2024, rent in Los Angeles, CA, is an average of $2,105. This is 39% more than the national average of $1,517/month, making it among the most expensive cities to live in the USA.   If you’re looking for an  apartment to rent in LA , it’s worth noting that studios will cost around $1664 per month, while one-bedroom ones will cost roughly $2,105. Two-bedroom apartments cost approximately $2,913 each month. If you opt for three bedrooms, be ready to part with more than $4,187. Grocery expenses and utilities also exceed national averages. Work-Life Los Angeles, a central economic hub, provides many job options. The top employers are the entertainment industry, technology companies, healthcare facilities, and schools. Some notable employers are UCLA, Disney, and Kaiser Permanente. The average income in LA is around $75,831 annually , but it depends on the industry and job position. Ready To Move to LA? While it’s not for everyone, many people love the LA lifestyle. If you are considering moving to or investing in LA real estate, we are here to help you find the best mortgage options for your purchase.  Pride Lending is committed to helping borrowers from all backgrounds achieve their goals, whether that’s settling in south of Venice Beach or further west in the Hollywood hills. Our team is comprised of allies and members of marginalized communities, including LGBTQ+ and BIPOC individuals, who combine real-world experience with mortgage expertise. We’re here to assist all our clients, no matter their age, sexuality, race, gender, or other identity.  We offer a variety of financing options, including FHA loans, VA loans, conventional mortgages, and investment loans. You’ll work with a skilled loan officer who will take the time to learn about your needs and find the best options, including DPA programs. Get in touch today at 725-231-0192  or by email  to learn more about our loan programs.

San Antonio, Texas—the Alamo City—is a vibrant city with a storied past. This bustling metropolitan area has much to offer. Enjoy a leisurely stroll down the River Walk or choose from one of the many eateries serving mouthwatering Tex-Mex cuisine. San Antonio's gay district is flourishing and accepting of the LGBTQ culture. This area, particularly the vibrant Tobin Hill, where Heat Nightclub and Sparky's Pub, among others, are located, also hosts numerous bars catering exclusively to this demographic.  Pride Month is celebrated every June with a large pride parade across many parts of town. So, if you’re looking into relocating somewhere in Texas, you’ll find a supportive and dynamic environment with a growing gay scene that makes it easy to feel at home. LGBTQ Community in San Antonio The gay scene in San Antonio is rich and diverse and contributes significantly to the city’s cultural scene. Although Texas has had a checkered history regarding LGBTQ rights, San Antonio has always been known for its inclusivity and acceptance. As of March 2021, the average number of LGBT adults  in San Antonio was 78,000, a number that has most certainly gone up since then. The 2023 Human Rights Campaign's municipal equality index  (MEI) gave The Alamo City an 88% score. The rating is based on communities’ laws, policies, and services and how they affect LGBTQ people. This means that residents feel accepted here and that efforts are consistently being made to improve their quality of life. Like many other Texas cities, San Antonio has a vibrant and long-standing Latino community. Approximately 50% of the population  identifies as Hispanic, while Black individuals make up about 6% of the population. The strong Mexican-American history here is represented in colorful murals, street festivals, and the place names.  Accommodation for LGBT people is a major attraction for anyone planning to relocate to San Antonio. Gay-friendly areas, a diverse culture, and an overall sense of a tight-knit community make it impossible not to fall in love with this place. San Antonio’s environmental hazards are also generally low, although floods or severe weather conditions may affect some parts of the city. In addition to its warm and friendly environment, the city has wild nightlife options and numerous opportunities for cultural immersion . Top Gay Neighborhoods in San Antonio Whether you want to catch brunch at a laid-back restaurant or commemorate Pride Month with a larger-than-life festival, San Antonio, TX, is the place to be. Numerous areas of the city are renowned for their inclusive energy, making them perfect places to visit or settle down for good. Furthermore, this Texas city offers relatively affordable living expenses compared to other major cities across the United States like Houston (96.9) , Dallas (100.2) , and Austin (129.1 ). San Antonio’s cost of living is  8% lower than the national average with a cost of living score of 91.8 . These are the five popular gay-friendly areas of San Antonio. Tobin Hill Among San Antonio’s most LGBTQ+ welcoming districts, this area is celebrated for combining historic appeal with contemporary conveniences.  Situated near San Antonio College , the area boasts a length y past dating back to the late 1800s. This region contains a variety of architectural designs, ranging from Victorian houses to mid-century modern structures. This area has an energetic art scene, numerous dining options, and an active nightlife, some of the features that draw people to live there. The Pearl District is right next door, and it has been turned into a food and culture center with many eateries, shops, and entertainment spots. The population is diverse and exciting, making it perfect for people of various ages and walks of life — from students and professionals to families with children or retired individuals. Best Spots and Events in Tobin Hill Tobin Hill is known as San Antonio’s ‘gayborhood,’ a place where everyone is accepted and celebrated. Main Street is now recognized as San Antonio’s Gay Strip, thanks to its many LGBT-friendly stores and festivals.  Sparky’s Pub offers karaoke nights and drag shows, which make the neighborhood more lively socially. Just north of Crockett Park sits Pegasus, one of San Antonio’s most vibrant gay bars, which hosts costume parties and live music year-round. Knockout Sports Bar is your best bet for unwinding. It has a chilled-out vibe and the friendliness that most people love in a club. Heat Nightclub is a common club with theme nights and a lively dance floor.  When it comes to dining, there are plenty of great restaurants in The Pearl District. La Gloria offers tasty Mexican street food in a festive setting. On the other hand, Bakery Lorraine, known for its delicious pastries and artisanal bread that most locals love, would be your best bet. Recurring activities take place annually around here. These range from the Pride San Antonio event, characterized by vibrant processions, live performances, and various community activities, to regular farmers' markets and art walks held in the locality. Our favorite spot in Tobin Hill Tobin Hill is home to several popular businesses, including The Friendly Spot Ice House , which has a large outdoor seating area perfect for relaxing with friends. This venue is famous for its wide variety of beers and delicious meals served in a laid-back environment where everyone feels welcome. Moving to Tobin Hill If you want to relocate to Alamo, Tobin Hill offers old-fashioned homes and ultra-modern rentals at different prices.  As of 2024, the median price is $500,000, making it relatively affordable compared to other big cities like Plano and Dallas. Individuals renting one-bedroom apartments are likely to pay about $1,200 every month, thus accommodating people from all walks of life based on their income. Tobin Hill is located near main business centers and learning institutions, making it perfect for working professionals, students, and families. The area is also well-served by public transportation, with many bus routes and easy access to major highways. Monte Vista  From its humble origins as a goat pasture near San Antonio to its reputation as an area with gorgeous historic homes, Monte Vista has been revitalized into a more liberal-leaning area of town.  The area is adjacent to Trinity University, making it an excellent locale for students, professors, and anyone who enjoys a more academic atmosphere. Thanks to its many activities and top-rated schools, Monte Vista is also the perfect place to raise a family. The best draw of Monte Vista is its many amazing restaurants that run the gamut from sweet treats to authentic Tex-Mex. Best Spots and Events in Monte Vista Monte Vista is a sleepy, peaceful district, but it certainly delivers in terms of culinary power. Barbaro’s is one of the most popular pizza joints in the area, legendary for its classy vibe, experimental desserts, and delicious craft beer.  The Bonham Exchange, one of the city’s best gay bars, is housed in a historic 120-year-old building and is a safe space for LGBTQ folks to celebrate their identity. In fact, the original owner specifically launched the club to welcome San Antonio’s LGBT community.  Most of Monte Vista’s activities are run by the Monte Vista Historical Society and focus on family fun. The area works hard to cultivate a community spirit for residents by hosting Third Thursday, a monthly event where homeowners gather in a different residence to socialize.  Our favorite spot in Monte Vista Capparelli’s on Main  is the place to go if you’re craving authentic Italian, being a staple of Monte Vista for generations. Beloved by locals, Capparelli’s is most known for its incredible homemade bread and mouth-watering pizzas. It’s the perfect place to book a big family dinner or simply enjoy a more high-class dining experience with a loved one.  Moving to Monte Vista Monte Vista is one of the more expensive areas of town, with an average house price of $647,000. However, this comes with the benefit of top-rated schools, including the private Monte Vista Montessori School and public Monte Vista Great Hearts K-12.  Those moving to Monte Vista will enjoy a more close-knit community, as the area has only 3,000 residents. This site is close to the central district, giving residents the best of both worlds: a quiet place of respite and easy proximity to the most happening regions of town. Lavaca Lovely Lavaca is San Antonio's oldest residential neighborhood, and it has blossomed into a warm, LGBTQ-friendly district. Its working-class roots in the 1870s, when San Antonio’s tradesmen built vernacular homes close to the ritzier King William district, have made it a place where people from all walks of life can feel safe.  Additionally, the community is very active in protecting the unique charm of its cozy streets, which includes encouraging small businesses and mixed-income housing. This activist background and diverse population means that LGBTQ residents know that their neighbors will have their backs.  Lavaca is down-to-earth and well-known for being very dog-friendly and close-knit, making it a great place to settle down as a family.  Best Spots and Events in Lavaca Lavaca is a foodie paradise, so many of the best places to visit revolve around its many food options. Those seeking to catch a sporting event or concert can head to the Alamodome, most well-known for its Illusion Theatre, which has some of the best acoustics in town. If you want a quiet place to relax, kick back in Labor Street Park, which features colorful murals and basketball courts. La Villita, a smaller area of Lavaca, hosts an abundance of festivals throughout the year, including a Pride Festival and the Fiesta Noche del Rio in June and a Day of the Dead at the end of October. The Starving Artist Art Show in April allows you to purchase beautiful prints from the best artists in San Antonio, while the Ford Holiday River Parade will get you in the Christmas spirit come December.  Our Favorite Spot in Lavaca A popular spot in Lavaca is Azuca Nuevo Latina , perfect for enjoying a meal on a sweltering day. Located at 709 S. Alamo St., this beloved eatery offers over 20 different taco types inspired by Latin American and Caribbean flavors. It's an ideal place to savor delicious food while exploring the vibrant atmosphere of the historic La Villita area. Moving to Lavaca Lavaca is fast becoming one of the most popular residential areas in the city, with house prices of about $545,000. Despite this, it’s quite small, with only about 1,300 residents, making it a perfect place to make enduring friendships and get to know your neighbors. Numerous schools are available for LGBTQ families, including public and private options. The IDEA Carver School is a private institution for pre-K to 6th grade that offers small class sizes and more individualized attention.  South Town South Town is the creative heart of the city, a magnet for artists and musicians who want to enjoy its eclectic, exciting vibe. Locally owned coffee shops, bars, and boutiques mean it’s a great place to hang out and feel free. With numerous galleries and museums, like the Presa House Gallery and Contemporary at Blue Star, you’ll feel right at home amongst fellow creatives.  With such a unique mindset embedded in South Town, LGBTQ residents will feel right at home. The famed San Antonio River Walk is just a short one-mile stroll away, giving you access to some of the area's most delightful eateries and shops.  Best Spots and Events in South Town Bliss is one of the best vegetarian-friendly eateries in the city, with a revolving menu carefully curated by a top-rated chef. You’ll enjoy artisanal bread, unique cheese, and a delicious wine menu that pairs perfectly with their top-notch food options. Little Em’s Oyster Bar brings the sea to you, affording you the greatest seafood in the city! Southtown Vinyl is the best place to find that rare record you’ve been hunting for, with a wide variety of both old and new releases. If you’re seeking live music, head to the hush-hush Bar 1919, which hosts small parties with a speakeasy vibe. Find a new band you’ve never heard before, or dance the night away with a close group of friends.  Every month, Southtown hosts the Second Saturday Artwalk event, the perfect time to pick up a unique piece from a local artist or even enjoy a nice glass of wine.   In April, get ready for the King William Fair, with its bright whirl of fun parade floats. A Day In Southtown takes place in October and celebrates the vibrant culture of this quirky district with educational workshops and open studio opportunities hosted by local artists and nonprofits.  Our Favorite Spot in South Town If you’re craving a sumptuous breakfast, look no further than Cinnaholic , which allows you to create your very own cinnamon roll from various topping options. This small shop also offers a variety of other baked goods and coffee from local roasters.  Moving to South Town South Town is one of the more affordable areas of the city, with prices around $425,000. It’s also one of the largest districts, with a population of 34,000. The region has a good mix of young and old, with most people being above the age of 25. Being much bigger than some of the other areas on this list, South Town has many childcare centers and schools. This includes specialized schooling options, such as The Guardian Angel Performing Arts School for budding musicians and artists. Bonham Academy, Page Middle School, and Brackenridge High School are the primary educational institutions known for being safe and inclusive.  Downtown Downtown San Antonio is where all the magic happens. The city has been a bastion of LGBTQ rights activism since the early 1900s and is credited as one of the birthplaces of drag in the 1930s. Nationally renowned drag artists would pour into The Nite Spot, Gay Paree, and Riverside Gardens to entertain the masses.  The city’s first Gay Pride March was held in 1976, showing that this Texas city was an early force in the fight for gay rights, making pride bigger every year. This district is home to Pride San Antonio, a nonprofit founded in 2011, and the San Antonio LGBT Chamber of Commerce, a partner of the National Gay and Lesbian Chamber of Commerce. As such, entrepreneurs, LGBT businesses, and club and bar owners will feel right at home setting up shop here. As the heart of the city, visitors and residents can expect abundant fun activities, including the beloved River Walk, which is filled with shops and bars. The gorgeous Majestic & Empire Theatres, representing San Antonio’s most beloved cultural institutions, are an amazing place to catch a show.  Best Spots and Events Downtown The Tower of the Americas affords visitors a gorgeous view of San Antonio in a cool, glass-enclosed elevator, a perfect respite on hot Texan days.  For those wanting to learn more about the Wild West, the Buckthorn Saloon and Texas Ranger Museum are fantastic opportunities to soak up that frontier spirit. Catch the latest in classical music at the San Antonio Symphony, located in the beautiful Tobin Center.  The Cobalt Bar is widely regarded as an amazing place for LGBTQ revelers to grab cheap drinks and play a few rounds of darts while dancing to a jukebox, offering a grittier and more old-school vibe.  Regarding food, Santa Diabla - Cocina Mexicana offers show-stopping tacos, while Bonahan’s Prime Steak and Seafood is perfect for a high-priced date or brunch on the most luscious grass-fed beef in Texas.  The Pride ‘Bigger Than Texas’ Festival takes over central San Antonio yearly with a marvelous Pride Parade that outshines other parades in Houston, Dallas, or Fort Worth. In January and August, enjoy Restaurant Week with discounted prices for the best meals in San Antonio.  In May, check out the Battle of Flowers, the only parade in the United States produced entirely by women and featuring gorgeous floral floats, live bands, and fireworks.  Our Favorite Spot in Downtown It’s not really a visit to San Antonio without visiting Alamo Plaza . This UNESCO World Heritage Site offers many tours that introduce you to the rich history of the Spanish mission; you’ll come to understand why ‘Remember the Alamo’ is so deeply embedded in San Antonio's culture.  Moving to Downtown Living in the city center is quite pricey; the average house costs around $600,000, and the market is quite competitive. Despite that, there are only around 17,000 residents, mostly in their late 30s or 40s. Tourism is high here, which can mean dealing with major traffic and occasional street closures for festivals. LGBTQ families will be delighted at the many school choices, including the private Keystone School, which covers pre-K to 12th grade. Antonian College Preparatory School is another highly rated private building, while the public Young Women’s Leadership Academy is a great choice for offering your girl a well-rounded education. Frank L. Madla Early College High School is a small, public option for those with bright futures.  Be a Local to One of San Antonio’s Best Gay Neighborhoods Affordable housing, a rich cultural life, and a strong community spirit make San Antonio attractive to potential home buyers. According to Redfin , the average cost of a house in San Antonio is approximately $500,000.  The minimum down payment for a conventional loan is 5%, while first-time homebuyers may be able to provide just 3%. With an FHA loan and a good credit score,  you can put only 3.5% down. However, many choose to provide at least 20% in order to eliminate private mortgage insurance and secure better rates. With current San Antonio housing prices, this would be around $107,500. Our team at Pride Lending can help you find down payment assistance programs that will reduce the initial costs of home ownership. One local program is the Homeownership Incentive Program (HIP), which offers 0% interest second loans to those that meet the eligibility requirements. You may secure up to $15,000 with the HIP 120 or $30,000 with the HIP 80 program depending on your income. Texas overall has several down payment assistance programs provided through the Texas State Affordable Housing Commission, which includes both grants and loans depending on your specific financial goals. We can also search for national programs that may match your needs and the loan program you’d like to access.  Prospective home buyers should research and work with local real estate agents to identify the most appropriate options for their needs. Pride Lending serves the San Antonio area, and can help you secure the most fantastic rates.   At Pride Lending, we serve as allies to clients from all backgrounds. Our team consists of allies and members of marginalized communities, including LGBTQ+ and BIPOC individuals, who are passionate about helping individuals who have been traditionally underserved by the mortgage industry. Regardless of your race, gender, sexuality, or other identifier, we want to work with you! We’ll help match you to the right loan for your needs, which includes FHA, VA, conventional, USDA, and investment products. To get started with your homeownership journey in the Mission City, call us at 725-231-0192  or apply online .

Unfortunately, anti-LGBTQ+ attitudes have become common in today’s political environment, spurring many individuals to seek a more welcoming home. For example, half of trans people in Florida have considered moving out due to anti-trans legislation . Thankfully, there are many options for those who want to be loved and accepted by their community.   The United States is home to various cities that promote inclusivity and acceptance for the LGBTQ+ community. These cities offer a safe environment, easy access to necessary resources, and overall awareness of the gay community.  In this guide, we’ll review ten of the most LGBTQ-friendly cities in the USA based on inclusivity and resources. Whether you're looking for a place to visit or considering a new hometown, these cities stand out as a safe space for LGBTQ+ individuals and allies. What Makes a City Truly LGBTQ+ Friendly? An LGBTQ+-friendly city has laws supporting equal access to human rights, legalization of same-sex marriage, healthcare access, and social life opportunities that include and protect participants of all lifestyles. These cities must have adopted anti-discrimination laws to ensure protection in employment, housing, and public spaces and inclusive healthcare services that provide specialized care for LGBTQ+ needs.  A truly LGBTQ+-friendly city offers a prominent social scene with events that foster a sense of belonging and acceptance and LGBTQ+-friendly bars that welcome and include those in the queer community. Top 10 LGBTQ+ Friendly Cities in 2024 In 2024, certain U.S. cities stand out more as being LGBTQ+ friendly than others, reflecting ongoing social progress and advocacy efforts. Many of these top cities have long been at the forefront of promoting awareness, inclusivity, and equality through various organizations and resources.  Here are the top 10 cities in the United States known for their LGBTQ+ friendliness. San Francisco, California: The Historic Heart of LGBTQ+ Activism San Francisco, California, can be credited as the center of the LGBTQ+ movement and is often referred to as the LGBTQ+ capital of the world. San Francisco is one of the first LGBTQ-friendly cities to welcome queer people and promote marriage equality. The Castro District is a vibrant hub of LGBTQ+ culture and history and is one of the first established gay neighborhoods in the United States. Street art and galleries, museums, and vibrant art collections line this prominent district. Various LGBTQ+ resources and organizations within the city further add to its top ranking. The San Francisco LGBT Center  is one of the largest organizations in the city and serves the LGBTQ population. San Francisco also elected Harvey Milk, the first openly gay man to hold public office in California. Today, the city’s historical monuments celebrate Harvey Milk, a pioneer in queer history. With a robust nightlife and entertainment scene full of gay bars, lesbian clubs, and pride events, the city fosters an LGBTQ community that welcomes every lifestyle. San Francisco also earned a 95% perfect municipal equality score  from the Human Rights Campaign, which explores how well a city supports its LGBTQ community. New York City, New York: The Cosmopolitan Melting Pot New York City, New York, also makes the list as one of the top safe spaces for LGBTQ people, with hubs like Greenwich Village, the birthplace of the modern LGBTQ+ rights movement. This historic neighborhood promotes an artsy vibe, musical backdrop, and historic homes. Communities within New York State and City offer inclusion and entertainment for everyone, with numerous cultural institutions and pride events celebrating the history and awareness of its LGBTQ residents.  The NYC Pride March is one of the largest pride events in the country, bringing millions of festival-goers to New York each year. New York City is also home to the Stonewall National Monument, the first national monument dedicated to the pride movement in the country. The Big Apple is renowned for having a highly diverse and multicultural population. One of the largest Jewish communities in the world is here, and it has a significant Asian and Hispanic  population. Incredibly enough, over 800 languages  are spoken in the city! Los Angeles, California: A Sprawling City with Diverse LGBTQ+ Scenes Los Angeles, California, is a sprawling, lush landscape with abundant neighborhoods supporting the LGBTQ community. West Hollywood, often coined California’s “Creative City,” is home to a large LGBTQ-friendly population. The city gained traction in the LGBTQ community for being one of the most outspoken cities fighting for equal rights.  In Silver Lake and Echopark, you’ll find trendy bars and hip restaurants, each with its vibe and many with an LGBTQ+ flair. Coffee shops, art museums, day spas, and boutiques make up the city landscape and are an important part of the local LGBTQ+ vibe.  Hollywood and Los Angeles, the centers of the world’s film and television industry, also promote strong LGBTQ+ representation. LA is one of the largest minority-majority cities in the country, with 71.9% of the population  identifying as something other than white. It’s also home to many cultural celebrations of this diversity throughout the year, including the Los Angeles Cultural Festival in June.  Chicago, Illinois: The Midwest's LGBTQ+ Capital Chicago, Illinois, is the Midwest capital of the LGBT community. Committed to protecting basic rights, it is also among the most LGBTQ-friendly cities in the world. The city has a long history of LGBTQ+ activism: Illinois was the first state to host an LGBT rights organization all the way back in 1924 , and it was headquartered right here in the Windy City.  In fact, Chicago also has a 98% near-perfect Municipal Equality Score from the Human Rights Campaign . The campaign’s municipal equality index is a strong predictor of what makes an LGBTQ-friendly locality. In Boystown and Andersonville, those in same-sex marriage live in an accepting neighborhood and find it a safe space for queer individuals. Boystown was the first recognized gay village in the U.S., while Andersonville offers unlimited entertainment and amenities, including gay bars, eclectic shopping, and abundant historical architecture. This city also hosts an annual pride parade and festivals, further promoting the city's accepting culture. The Chicago Pride Fest is a huge two-day celebration with live music, drag performances, and dancing. Those who want to live in a diverse city will love it here; over 20% of Chicagoans  were born outside of America, and two-thirds of residents identify as BIPOC or non-white.  Seattle, Washington: A Progressive City with a Thriving LGBTQ+ Scene Capitol Hill in Seattle, Washington, is one of the most LGBTQ-friendly cities in the Pacific Northwest United States. The city promotes a vibrant, cohesive community with strong nondiscrimination laws that accept all lifestyles, as evidenced by its 98% perfect municipal equality score .  Brightly colored pride flags and street paintings welcome you to explore the inviting community. Seattle is dotted with hip bars, laid-back restaurants, and inviting coffee shops. Its mix and match of outdoor recreation, business opportunities, and family-friendly amenities also make Seattle a safe place for same-sex couples.  A strong commitment to social justice and equality means those in the queer community have more access to resources and rights than the average city. Each year, Seattle also hosts PrideFest, one of the largest events in the state promoting queer culture. Seattle has a significant Asian-American population  and is quickly growing even more diverse, meaning that everyone is welcome in this Pacific Northwest bastion of justice.  Portland, Oregon: The Quirky and Welcoming City of Roses Portland, Oregon, is abundant with diverse same-sex communities and neighborhoods. Vaseline Alley and Burnside Triangle are among a few of the most LGBTQ-friendly districts. Known for its commitment to sustainability and environmentalism, Portland is recognized for the large percentage of its power coming from renewable sources, making it an excellent place to call home. The city's public transportation is also abundant, helping residents reduce their carbon footprint. Portland’s quirky backdrop contains unique LGBTQ+ bars, restaurants, and shops. Numerous LGBTQ+-friendly clubs and entertainment hubs are also present, making Portland well-known for hosting events promoting greater awareness, including the Portland Pride Waterfront Festival. While Portland is a majority white city , its demographics are quickly changing, especially among Native Americans and Pacific Islanders. The Latino population  has also grown significantly in recent years.   Austin, Texas: A Liberal Oasis in the Lone Star State Austin, Texas, offers a diverse and inclusive culture in the South, complemented by a thriving arts and music scene. Many LGBT men and women find their place at 4th Street in Austin, home to multiple activist groups and amenities. The city is widely recognized as one of Texas' most queer-friendly, diverse communities with forward-thinking social attitudes. While newly recognized as a top LGBTQ city, Austin’s emergence of gay bars, pride events, advocacy, and groups makes it a liberal oasis in Texas. The Austin Pride Foundation is also committed to educating the public, connecting queer individuals to necessary resources, and fostering a stronger LGBTQ community. Approximately 33% of Austin residents are Latino , and other demographics are strongly represented. Its close relationship with Mexican-American communities is represented in Fiesta Austin, a celebration of its rich heritage.  Denver, Colorado: A Mountain Metropolis with a Welcoming Spirit Mountain dwellers flock to Denver, Colorado, for its breathtaking views and welcoming culture. The Capitol Hill neighborhood is Denver’s LGBTQ+ hub, complete with arts, museums, and clubs. After-hours bars, Victorian-era buildings, local favorite gay and lesbian bars, and late-night coffee houses set Denver apart from other Colorado cities. Denver's generally welcoming attitude provides those in the LGBTQ community with easy access to resources and events, which is ideal for finding new, life-long friends. Numerous pride festivals, abundant nightlife, and world-class dining make Denver, Colorado, an excellent destination for those seeking a welcoming city. A rapidly expanding LGBTQ+ business community means more focus on nondiscrimination policies and, overall, more equality. It also paves the way for profitable business decisions for Denver’s residents. While Denver is traditionally not known for being very diverse, this is quickly changing; around 29% of the population  identifies as Hispanic, and 13% of Denverites are multiracial, which is quadruple the national average.  Atlanta, Georgia: A Southern City with a Flourishing LGBTQ+ Culture Atlanta, Georgia, nestled in the south, is an LGBTQ city full of entertainment, history, culture, and acceptance. Midtown boasts a cultural hub of art galleries and museums with vibrant parks and gardens offering ample outdoor recreation. A bustling restaurant and club scene make Atlanta much more than your national average metro area. An increasing number of LGBTQ people, inclusive establishments, queer-friendly events, and community organizations provide Atlanta residents with the support they need, making Atlanta a top choice. Atlanta Pride is one of the largest pride events in the Southeast. It started in 1970 and has grown to become one of the city's largest parades. The majority of Atlantans are Black , with significant representation amongst multiracial people. This strong attention to African-American culture is found everywhere here, including all-Black running groups  and the Goodie Nation, meant to nurture Black innovators in tech.  Washington, D.C.: The Nation's Capital with a Strong LGBTQ+ Presence Washington, D.C., often known as the country’s capital city, is also home to a strong LGBTQ+ presence. Historic LGBTQ+ sites, top-rated queer bars and clubs, and an annual pride event are just a few ways that Washington, D.C., supports LGBTQ awareness and inclusivity. Dupont Circle is a historic neighborhood in the capital city known for its historic designs, cultural buildings, lively music, and eclectic dining options. Washington, D.C., is also the home base of gay rights advocacy and politics. It’s where lawmakers go to promote nondiscrimination laws and fight for same-sex marriage. Various cultural institutions and museums line the downtown streets and uphold strict nondiscrimination laws, making it a safe space for lesbian, queer, and trans people. Despite what one might think, Washington, DC, has a large Black population, with about 44.3% of the population  identifying as Black or African American. In fact, the city does not have any majority racial population , representing a melting pot that reflects America’s multiculturalism. Other potentially LGBTQ-friendly cities that didn’t make the list include New Orleans, San Diego, San Jose, and Las Vegas. Each of these cities boasts higher equality rankings compared to the national average. Factors Contributing to LGBTQ+ Friendliness Various factors go into ranking how gay-friendly a city is, including local regulations and community support. We ranked this list of LGBTQ-friendly cities based on the following factors. Legal Protections and Policies Legal protections and policies are necessary to protect those in the LGBTQ population. States with local non-discrimination laws mean everyone can enjoy the same services and basic rights, regardless of sexual orientation or gender identity. The most LGBTQ-friendly cities in the United States also support the family rights of those in the gay and queer people. The ability to enjoy marriage equality or adopt and expand families regardless of orientation is an important factor in determining the LGBTQ+ friendliness of a city. Another factor is the ability to rent or purchase homes without discrimination. LGBTQ+ individuals are no strangers to hate crimes, marking the importance of strict hate crime laws and protection at the center of an LGBTQ-friendly city. The Movement Advancement Project is important in advancing equality through initiatives such as anti-bullying policies. However, non discrimination laws at the state level are also necessary to keep residents safe. Community and Social Support Community and social support organizations help a city create a welcoming vibe and provide necessary support for underserved populations. To be considered one of the most LGBTQ-friendly cities in the United States, there should also be ample LGBTQ+ centers, organizations, businesses, and social services available. High visibility and representation in the media and local neighborhoods help foster a more supportive community for everyone. The  National LGBT Chamber is dedicated to expanding economic opportunities to those in under-represented populations, including the queer community. By collaborating with entrepreneurial individuals, the Chamber helps to set up businesses in these welcoming communities, making them even more inviting. Healthcare Access Queer and trans people deserve equal access to equitable healthcare for the LGBT community and comprehensive insurance coverage for transition-related care. These are critical aspects of ensuring inclusive and supportive healthcare services that meet the specific needs of LGBTQ+ people, including gender-affirming treatments and therapies.  In communities with many LGBTQ people, the availability of LGBTQ+-affirming healthcare providers and insurance coverage options is necessary. Health clinics and hospitals that welcome LGBTQ+ residents also weigh heavily on ranking factors. Cultural Acceptance and Integration A welcoming and supportive atmosphere is also a factor in choosing the most LGBTQ-friendly cities in the country. A community’s overall social attitude determines the local vibe and how accepting the community is of LGBTQ people.  Inclusive schools and workplaces set the foundation for an environment in which everyone can feel safe. The same goes for LGBTQ+ events and festivals, which raise awareness and help shift communities toward greater equality. Contact Pride Lending for Inclusive Lending and Financing LGBTQ rights have progressed greatly in the last few decades, but there is still much room for improvement. Some U.S. cities have adopted LGBTQ-friendly laws and policies much faster than others, making certain destinations better suited for alternative lifestyles. At Pride Lending, we know how important it is to find your dream home and a community where you feel welcomed and celebrated. We are proud to help underserved communities achieve the dream of homeownership and offer home-buying solutions to those who are ready to start life in their new homes. Our team is composed of allies and members of minority communities, including LGBTQ+ and BIPOC individuals, who are highly experienced in mortgage products.  Our team puts the customer first, taking the time to get to know your unique buying wants and needs. We help connect buyers to conventional, FHA, Veterans, USDA, and refinancing loans while ensuring you receive the best options for your situation. We know that it can be challenging to come up with a down payment to afford your dream property, which is why we’ll help you find options that only require 3% to 5% down. We’ll also connect you to local, state, and national down payment assistance programs to help you achieve your goals.  Contact Pride Lending today at 725-231-0192 or fill out our online form to get qualified  to become a homeowner.

A lot goes into finding and securing your dream home. In addition to buying a home that fits your and your family’s needs, you also want a state that offers you the protections and equality that you deserve. Where you call home can affect your personal life as a family member and parent and your professional life as a business owner, as some U.S. states have more LGBT-friendly laws and protections in place. Use this guide to learn about the top LGBT-friendly states in the United States as you choose where you’ll call home. Top LGBT-Friendly States in the U.S. With a lack of federal equality protections, LGBTQ+ people may find significantly different living situations from state to state. Individually, states are moving at their own pace toward equal rights for everyone.  For example, Florida has been in the news for a spate of bills that seek to restrict LGBTQ+ rights, particularly for transgender people. A recent federal court ruling overturned a law that would restrict trans youth’s right to pursue health care affirming their identity , but lawmakers are still attempting to push discriminatory laws that hurt LGBTQ+ people.  North Dakota has pushed over ten bills to harm LGBTQ+ individuals , and South Dakota Governor Kristi Noem has been at the forefront of anti-trans legislation . In Alabama, legislatures are attempting to prevent schools  from teaching about LGBTQ+ identities, which will have long-standing repercussions for everyone.  These discriminatory policies can make it difficult for those looking to relocate or secure their dream homes to know what to expect. Safety must be taken into consideration when choosing a new home, such as negative laws that can prevent you from living your life in freedom. That’s why we have created a list of the top LGBT-friendly states in the U.S. This list is based on crucial factors, like existing non-discrimination laws, equal access to medical care, criminal justice for hate crimes, and overall legislation relating to equality for everyone—regardless of their sexual orientation or gender identity. This guide also outlines some of the most LGBTQ+-friendly cities within the top-listed states. Colorado Colorado is one of the most LGBT-friendly states in the U.S., with a high policy tally score according to the Movement Advancement Project (MAP.) Only 15 states plus Washington D.C. scored a high overall tally rating.  Colorado also checks all the required boxes for the Human Rights Campaign SEI report, which considers factors like anti-discrimination, employment and housing laws, anti-bullying programs, transgender health care, and hate crime prevention. Safe Home also grades states based on safety rankings according to state laws, which is an excellent measure to consider when seeking a new place to call home. Colorado received a B- safety grade, ranking number 19 in the U.S. Colorado is home to several prominent social LGBTQ+ scenes, with Denver being one of the most inclusive in the state. Denver is the central hub of the LGBTQ+ community, where many people often come together to promote awareness, educate the public, and form lasting alliances and friendships. Cherry Creek, Capitol Hill, and RiNo are some of the top emerging LGBTQ+-friendly neighborhoods. While the Mile High State has been known as being majority white, this has changed significantly in recent years. One of its most significant pushes is creating a mentorship program for Black men seeking to become teachers , which can ensure all children get to enjoy differing perspectives during their formative years.  Overall tally score: 43/44.5 California As one of the first states to elect an openly gay public official and enact LGBTQ-supporting laws, California is consistently ranked as one of the top LGBT-friendly states in the U.S. MAP gives California a high overall policy tally due to LGBTQ family recognition laws, state nondiscrimination laws, and youth policies.  California also boasts various healthcare access and policies that offer equal access to healthcare resources, regardless of sexual orientation or gender identity. California checks all the required boxes for the Human Rights Campaign, indicating queer-friendly laws and policies. On the LGBTQ+ safety rating, California earns a B and ranks number 14 in 2024. Much of California’s high ratings come from a few key LGBTQ+ communities in the state, like San Francisco and Los Angeles. California is a popular destination for LGBTQ+ and transgender individuals, thanks to its inclusive bars, clubs, and avenues. The Castro District, spanning 49 square miles, provides LGBTQ+ members and advocates with access to safe amenities and a supportive community. The Golden State is a true melting pot; there is no one majority race, with a significant population of Hispanic and Asian people . San Francisco especially has a huge AAPI population; in fact, one-third of San Franciscans  identify as Asian. This long and proud heritage spans back to even before California became a state and is reflected in its bustling Chinatown.  Overall tally score: 42.5/44.5 Maine Maine received a high overall tally score based on both sexual orientation and gender identity. The current LGBTQ policy landscape includes equal access to public accommodations, LGBTQ-friendly laws and policies, and access to transgender healthcare.  Its anti-discrimination laws cover employment, housing, education, adoption, and more. Marriage equality and same-sex protections make Maine a popular choice for LGBTQ people. Maine ranked sixth on the Safe Home Safety Ranking with an A-. Some of the top LGBTQ-friendly communities in Maine are in Augusta and Rockland. Ogunquit is a popular coastal village with  a friendly vibe. Brunswick, a popular college town, earns high scores among LGBTQ people because of its abundance of top-rated restaurants and unlimited entertainment. Portland is home to the state’s pride festival, an annual event that promotes equality for everyone. LGBTQ+ individuals of color may face challenges here, however. Maine is over 92% white , with only a very small Black population. The government is working to recruit diverse talent  from around the world and create a more equitable Pine Tree State for everyone, which may provide greater opportunities for BIPOC individuals.   Overall tally score: 41.5/45 Nevada Nevada has various laws and policies in place to promote LGBTQ equality, including parenting, hate crime justice, non-discrimination, and youth laws. In fact, the Human Rights Campaign recently gave credit to Nevada lawmakers  for enacting many laws benefiting LGBTQ people. Nevada ranks number nine on the LGBTQ+ Safety Ranking with a B. LGBTQ people in Nevada will find equality and protection in many cities, with some of the best being Las Vegas, Reno, and Stateline. Visit the Fruit Loop on Paradise Road in Las Vegas, a block of restaurants, shops, and clubs offering LGBTQ protections and alliances. In Reno, LGBTQ people can enjoy equality with a community that celebrates pride together. Though Nevada is predominantly white , it has twice as many multiracial individuals as the US average, which can be reassuring to LGBTQ+ individuals of color. Universities are also pushing to better represent the voices of Asian-American individuals , encouraging their representation in public life.  Overall tally score: 41.5/44.5 New York New York State has laws and policies that protect LGBTQ equality, making the Empire State a great choice. State laws prevent discrimination in employment, housing, and religious exemptions.  New York also has healthcare laws and policies to ensure anti-discrimination and easy access to healthcare for everyone. It has a B safety score and is ranked #11 in the United States. The social landscape in New York is protective and inclusive of LGBTQ people, including New York City and Woodbury. The city itself is renowned for having a very multicultural flair; 800 different languages  are spoken in the city, more than anywhere else in the world! It’s one of the few places in the US where four different races make up at least 10% of the population , and it is especially known for its large Jewish community.  Buffalo and the Niagara Falls communities also have a large LGBTQ population. Greenwich Village in Manhattan has excellent scores and welcomes the gay community with ample resources and amenities.  Manhattan has also long been credited with being the center of the state's equality movement and is home to many resources, community centers, and gay alliances. New York is also an excellent option for LGBTQ people and their families. Equality extends to business ownership, political positions, and schools, offering plenty of opportunities. Overall tally score: 40.5/44.5 Washington Washington State has many non-discrimination laws to protect transgender people, including equal access to public accommodations and healthcare, criminal justice laws that cover the LGBTQ population, and transgender protections. Washington received a C safety score and is ranked #30 in the United States. Washington’s variability in scores is due to some portions of the state offering better LGBTQ equality than others. Seattle and Portland are some of the most LGBTQ-friendly cities in Washington. Racial diversity is also important here: the state is one of the top five areas  for Asian-Americans, and it also has a significant Hispanic and multiracial population.   In Washington, LGBTQ members and advocates will find a welcoming community with a relaxed vibe. Meanwhile, Portland offers more nightlife and festival entertainment. Overall tally score: 40.25/44.5 Maryland Maryland has several important laws that promote LGBTQ+ equality, including statewide non-discrimination laws and provisions for relationship and parental recognition, which protect family rights for LGBT and transgender people. Additionally, while the state does have laws against hate offenses, there are some exclusions that other, more LGBT-friendly states don’t have.  Some areas of improvement in Maryland include overcoming religious exemption laws and promoting more transgender rights. The state also has low scores for youth-related LGBTQ laws and policies, many of which also relate to transgender rights. However, when compared to other states not currently on this list, Maryland offers more access to equal rights. Ellicott City and Baltimore are popular among the LGBTQ population. LGBTQ members enjoy equality with inclusive restaurants, clubs, bars, and shopping centers. Arlington has also become a top choice for LGBTQ  people. Maryland scored B and is ranked #12 on the safety list. Maryland is predominantly white , but it does have a large Black and African American population, especially in Baltimore, where over 61% of the population  identifies as Black. Maryland also has one of the most diverse state legislatures  in America, with a large representation of Black lawmakers. This helps ensure that people of all backgrounds are heard and respected in policy, making significant improvements in their lives.  Overall tally score: 39.75/44.5 New Jersey New Jersey has many laws that encourage LGBTQ equality, including anti-bullying laws and LGBTQ-inclusive educational programs. The state received lower scores on religious exemptions and youth-related LGBTQ+ laws and policies.  New Jersey has some room for improvement with anti-equality laws, some of which affect the LGBTQ youth. However, the state does allow for corrective identity documents, making it more accommodating than many states. New Jersey receives a safety score of a C and is ranked #29. Gay, lesbian, and transgender people will find LGBTQ-friendly restaurants and venues throughout New Jersey, especially in Asbury Park and Hoboken. Jersey City offers an edgy vibe with riverfront views and is close to New York City. Though New Jersey is historically known as being mostly white, it does have a very large Latino population , who are represented throughout public life. One major celebration for New Jersey’s Latina individuals was the recent push to restore funding to Hispanic Women’s Resource Centers , which help provide essential services like mental health resources and language services.  Overall tally score: 39.25/44.5 Vermont Vermont promotes many anti-discrimination laws and protections for LGBTQ people. In fact, Vermont was one of the first states to offer protections to LGBTQ people and can be credited with being the first to legalize same-sex marriage. With annual pride festivals and a generally accepting vibe, Vermont is a great place for LGBTQ families to call home. Some areas of improvement for the state include LGBTQ youth laws, policies and transgender rights. Vermont received a B safety score and ranked #13. Vermont may be small, but there are many LGBTQ-friendly cities to consider in the state, including Winooski and Burlington. Gay bars, clubs, and family-friendly LGBTQ restaurants make the state a great option. One negative point for Vermont is that it is not very racially diverse. 91.4% of the population is white , and only 5% of Vermonters speak a language other than English as their primary language. However, this does not necessarily reflect how many people are bilingual, and the demographics are slowly shifting  to better represent the nation’s multicultural roots.  Overall tally score: 38.5/44.5 Connecticut Connecticut encourages LGBTQ equality through comprehensive pro-equal rights and non-discrimination laws. The state is also accepting of alternative lifestyles, with equality protections in place. In fact, Connecticut was the second state (after Massachusetts) to legalize same-sex marriage, long before the Supreme Court decision in 2015 that made marriage equality legal nationwide. Those in the LGBTQ community can find safe housing and employment in both city and rural environments. The state still needs to improve its efforts to ensure inclusion and equality for LGBTQ and trans youth, but it is continually working toward greater equality for everyone. Connecticut earned a B safety score, ranking #10 in the U.S. Connecticut has excellent LGBTQ social scenes, including West Hartford, New Haven, South Norwalk, and Westport. Hartford and Stamford have often been coined the most exciting LGBTQ-friendly cities in the world. Connecticut is full of history and entertainment, making it a safe, opportunity-filled place to call home. As a negative point, data shows that Connecticut, like much of the Atlantic, is predominantly white . However, civic life shows that the state is working to fight racism, particularly in university admissions. A recent bill seeks to ban legacy admissions  that push down how many BIPOC individuals are admitted to its elite schools.  Overall tally score: 38/44.5 Factors That Make a State LGBTQ+ Friendly A top-rated LGBTQ-friendly state has a broad implementation of state laws and protections for people of all sexual orientations and gender identities. Several states on our list have routinely worked toward overcoming bullying and discrimination in the LGBTQ community.  They have laws prioritizing criminal justice rights, employment opportunities, and equal access to healthcare. They also have awareness campaigns set up to promote a safer, more equal way of life for everyone. Here are some of the most important factors that go into these rankings. Legal Protections Legal protections are an important factor when ranking the most queer-friendly states in the country. Non-discrimination laws covering housing, employment, and public accommodations are necessary.  Adoption rights and marriage equality for same-sex couples are also important considerations for LGBTQ couples planning to start a family in their new homes. States with existing laws against discriminatory crimes and banning conversion therapy are also a factor in these rankings. Healthcare Access Non-discriminatory healthcare access is also a factor in the most LGBT-friendly states. Pursuing health care regardless of gender identity isn’t possible in all states. We also factored in legislation and laws, including the availability of gender-affirming care related to healthcare access for transgender people.  State laws, like private health insurance, nondiscrimination laws, and Medicaid policies for transgender populations, also factor into these rankings. Community and Social Support A fair chance at equality is fundamental to a state’s LGBTQ-friendliness rating. Social and community support, including LGBTQ+ centers, advocacy organizations, support groups, and welcoming, inclusive cities, is important in ranking LGBTQ states. Many of these queer-friendly states are founded on lawmakers who advocate for the broad implementation of non-discrimination protections and work toward better equality. Cultural Acceptance and Visibility The presence of LGBTQ+ events, festivals, and media representation helps shift the entire political reputation toward more equal access to human rights. Many of the top states make it a priority to schedule pride festivals, LGBTQ awareness campaigns, and educational events, all in an attempt to better represent the community in all walks of life. Cultural acceptance and visibility go beyond special events, too. The ability to adjust gender identity documents, apply for adoption in same-gender marriages, and promote positive change through the legal system comes from increased acceptance and visibility. In return, these events and LGBTQ representation help create more welcoming and inclusive attitudes in local schools and workplaces. Safety and Security Safety and security are of the utmost priority when choosing a new place to call home. Some of the worst states for LGBTQ people are ones with low safety scores or laws that don’t protect or serve criminal justice. A welcoming and supportive law enforcement is crucial for everyone to feel safe at home, regardless of sexual orientation. States with high rates of LGBTQ+ members or advocates tend to create a safer home for everyone, including BIPOC and disabled individuals.  Explore LGBTQ+-Friendly States: Empower Your Home-Buying Journey The most LGBTQ+-friendly states go beyond these basic rights and promote a landscape that prioritizes equality and implements systems and anti-bullying laws to protect people of all lifestyles. Welcoming states and districts that support the LGBTQ+ movement, as well as offering advocacy and opportunity, are important stepping stones. Pride Lending understands the unique challenges the LGBTQ+ community deals with not only when seeking financing for a new home but also when choosing the right state and city. That’s why we have created resources to help LGBTQ+ members overcome these difficulties and secure a home where they feel welcomed, comfortable, safe, and at home. Our team is made up of allies and members of marginalized groups, including LGBTQ+ and BIPOC individuals.  Our goal is to help everyone, no matter their identity, find the mortgage products that meet their needs. For example, we will help you find local, state, and national down payment assistance products so that you can put more money down and potentially avoid private mortgage insurance. If that’s not feasible, we can assist you in finding mortgage products that only require 3% to 5% down, depending on if you are a first-time homebuyer.  Contact Pride Lending today at 725-231-0192 to discuss your leading options. You can also get qualified today by  filling out our online form.

If you are ready to buy a home in the South Florida market, especially in Fort Lauderdale, finding the right real estate agent is a crucial step in the process. This professional will help you navigate a competitive market to find the right home that suits your needs at an affordable price. If you are part of the LGBTQ+ community, working with a gay realtor may be your best chance for a pleasant real estate experience. Let’s discuss the importance of finding a gay real estate agent to help with your home search. Why Choose a Gay Realtor in Fort Lauderdale? Although you can find plenty of real estate agents who are allies in South Florida, someone who belongs to the LGBTQ+ community can benefit buyers significantly. First, a Fort Lauderdale gay realtor understands your specific needs and preferences regarding your lifestyle. This includes LGBTQ+-friendly businesses and neighborhoods.  Their market knowledge will help you navigate a massive real estate sector in one of the most diverse and vibrant areas in the United States. Working with a gay realtor who knows what it is like to be LGBTQ+ makes it easier to discuss your needs for your next home.  Finding a Fort Lauderdale Gay Realtor Quite a few agents in the Fort Lauderdale area identify as LGBTQ+. However, you must know how to find the right licensed real estate agent to address your concerns. Here are a few ways to connect with a Fort Lauderdale native who is also a professional real estate agent.  Local LGBTQ and Real Estate Groups Believe it or not, several organizations create specific networks for the local LGBTQ community and real estate professionals. By plugging into these groups, you can quickly contact a gay realtor in the South Florida market. The National Association of Gay and Lesbian Real Estate Professionals  (NAGLREP) is one such organization. Another large entity is the Gay Realty Network . Don’t forget to check out the LGBTQ+ Alliance  or  this website  the alliance created.  Word-of-Mouth Referrals Another way to connect with a Fort Lauderdale gay realtor is to get referrals from friends, family, and other LGBTQ+ members in the area. Speak to those in your social circles who have recently moved and might know a gay real estate agent. If you are involved in an LGBTQ+ group, you could lean on their network in Fort Lauderdale to ask about a professional and personable expert you should work with to buy your home.  What to Look for in a Gay Realtor If you want a positive real estate experience, then finding the right gay real estate agent who will provide concierge-level service is essential. There are a few things to look for in these full-time professionals.  The person in question should have in-depth mortgage experience servicing other LGBTQ+ clients. Knowledge of LGBTQ-friendly neighborhoods is also a must. In addition to these traits, they should also have strong communication skills, cultural sensitivity, and a commitment to client satisfaction.  Services Offered by Gay Realtors in Fort Lauderdale As you probably know, realtors are not just helpful when buying homes. They can help with a number of services related to real estate transactions. Here are a few ways a residential real estate agent can serve you.  Buying a Home The most common reason for working with a realtor is to purchase residential real estate. A professional offering superior personal service will help you identify your needs for a home and develop an affordable budget. They will also find properties for sale in your desired neighborhoods. Once you are interested in a house, they will schedule viewings, help you negotiate an offer, and eventually close the deal.  Selling a Home Full-time professionals are also essential when helping clients achieve successful home sales. Their clientele demand the best possible prices for selling houses, so these individuals help homeowners price their properties competitively. If you want to sell your residential real estate to another member of the LGBTQ+ community, your agent can help you market the house to those specific buyers. To get the best price for your home, your realtor will negotiate with the buyer and their agent. Once the offer is accepted, they will help facilitate closing.  Renting a Property Many Fort Lauderdale residents intend to rent properties rather than buy them. Your gay realtor can help you find desirable units in friendly neighborhoods. It is also essential to understand tenant rights as a renter so your agent can walk you through those guidelines while also negotiating lease agreements with landlords.  Relocation Services Moving is a complicated process that can add stress when you buy or rent a home. An experienced agent in Fort Lauderdale will assist you with moving logistics, such as finding a moving company or providing resources to LGBTQ+ newcomers.  LGBTQ-Friendly Neighborhoods in Fort Lauderdale Fort Lauderdale is a very diverse area in Florida. As a result, many neighborhoods are considered LGBTQ+ friendly. Here are some of the most desirable locations for newcomers in the South Florida area.  Wilton Manors: "The Island City" If you want a very pro-LGBTQ+ neighborhood in Fort Lauderdale, Wilton Manors is one of the best options. The area has a vibrant community, a bustling nightlife, an impressive art and culture scene, and diverse housing options.  Victoria Park Victoria Park is located in the heart of Fort Lauderdale, right next to Wilton Manors. If you prefer a neighborhood with historic charm, tree-lined streets, and various architectural styles, then Victoria Park is the place for you.  Other LGBTQ-Friendly Areas As mentioned previously, the city of Fort Lauderdale is very diverse, so there are multiple LGBTQ+-friendly neighborhoods to choose from. Oakland Park is just north of Wilton Manors and has a similar vibe. Lauderdale-by-the-Sea is an ideal location just south of the Pompano Beach area. Pompano Beach itself is also an affordable neighborhood with a growing population of LGBTQ+ individuals.  Your Guide to Finding Your Perfect Home in Fort Lauderdale Buying a home is expensive, and you will likely need financing. Just as a gay real estate agent can meet your specific needs when searching for homes, Pride Lending  can assist with your mortgage needs. We are the proud recipients of the 2024 Prism Award, and well-known for helping underserved communities like the LGBTQ+ community. Our firm is ready to help you find the perfect home loan for your purchase. Call us today at 727-591-7909 to start the conversation about your next home in Fort Lauderdale.

Miami is one of the largest cities in the United States, and navigating the South Florida market as a prospective homebuyer can be daunting. There is an added layer of complexity if you are a member of the LGBTQ+ community and you want to ensure you’re moving to a desirable location where being yourself is welcomed. To get the best mix of market knowledge and understanding your lifestyle needs, a Florida gay realtor can play a significant role in your home search.  Benefits of Choosing a Gay Realtor in Miami Why consider a Miami Beach gay realtor for your home-buying needs? The primary motivation is to work with someone who understands the needs of an LGBTQ+ individual. Living in a new place can be intimidating if you are moving to Miami or Fort Lauderdale for the first time. Adjusting to life in South Florida as an LGBTQ+ individual is a little easier if you find the right neighborhood and home.  Finding a Gay Realtor in Miami Before you start looking at houses in Miami Beach and the surrounding area, it is essential to connect with a proud, gay realtor who can help you navigate the competitive South Florida market. Here are a few strategies to meet the right licensed real estate salesperson.  National LGBTQ+ Real Estate Organizations Several national organizations help sellers and buyers connect with LGBTQ+ professionals in the real estate industry. The National Association of Gay and Lesbian Real Estate Professionals ( NAGLREP ) is one of the largest entities with this mission in mind. The Gay Realty Network ( GRN ) is another option if you want to rely on online services to meet a Miami, FL, real estate expert. The LGBTQ+ Alliance  helps ensure everyone can find the right home, which is why they created this website.  The right seasoned real estate professional can make all the difference in your home-buying experience.  Local Miami LGBTQ+ Real Estate Resources Miami is a massive and diverse city. As such, it provides several resources to support LGBTQ+ businesses and residents. You can search online directories for local real estate agents, many of whom are open about their sexuality in their profiles. There is also the Miami-Dade Gay & Lesbian Chamber of Commerce, which specifically lists LGBTQ+ businesses and contacts. Relying on these local resources can shorten your search for a Miami Beach gay realtor.  Word-of-Mouth Referrals within the Community When all else fails, word-of-mouth often succeeds. If you have any connections in the Miami Beach or Fort Lauderdale area, you can ask for their recommendations to find professionals who offer a diverse real estate experience. If you know anyone who has moved in the last few years in the LGBTQ+ community, ask them about the agents they used. You can also get involved in local groups and put some feelers out through those channels.  What to Look for in a Gay Realtor in Miami Whether you are seeking a luxury real estate agent or someone to help you locate affordable rental units, finding a solid agent should be a priority early in your search. This broker associate should have a working knowledge of Florida real estate and have over a decade of diverse real estate experience serving clients. The more experience, the better. Additionally, your realtor should know which neighborhoods are LGBTQ+-friendly and understand your specific needs as part of this community. Above all, they must be committed to excellent service, client discretion, cultural sensitivity, and respect for diversity.  Services Offered by Gay Realtors in Miami What services can someone with a real estate career provide? No matter your Miami real estate industry needs, an agent can become a valuable resource to ensure a smoother experience.  Buying a Home The most apparent reason for working with a real estate team is to buy a house. Your realtor will look to understand your housing needs and help you develop an affordable budget. They will also highlight desirable neighborhoods and guide you through the competitive South Florida real estate industry. Property transactions will also involve other parties, such as an LGBTQ+ lending partner like Pride Lending. Selling a Home Are you in the market to sell your house in Miami Beach or Fort Lauderdale? A gay real estate agent will assist you in selecting a listing price, marketing the home to LGBTQ+ buyers, negotiating offers, and managing the closing process.  Renting a Property If investing in a home is not your priority, you might pursue a rental. A realtor in Miami Beach can help you find rental communities that are exclusively for LGBTQ+ residents. If you need help negotiating your lease terms or understanding your rights as a tenant, your agent can also fill the gaps in your experience.  Relocation Services Buying a new home or choosing a rental involves relocating. A senior real estate professional will recommend relocation services to make your move easier. They can also discuss the logistics of moving to help you settle in smoothly.  LGBTQ+ Friendly Neighborhoods in Miami The Miami-Fort Lauderdale area is incredibly diverse, which means there are plenty of LGBTQ+-friendly neighborhoods you can move to. Here are a few of the most popular communities in the city.  Miami Beach Miami Beach is world-famous for its nightlife, architecture, and openness to the LGBTQ+ community. South Beach, located just east of downtown Miami, is possibly the most well-known location in the area to promote luxury properties. If you seek a more family-friendly option, Mid-Beach is slightly more relaxed.  Wynwood Wynwood lies across the bay from South Beach and is a growing LGBTQ+ neighborhood. It has multiple trendy restaurants, a thriving arts district with several galleries, and fascinating street art.  Coconut Grove Coconut Grove is a waterfront neighborhood a bit further south along the coast of South Florida. It has a fun, Bohemian vibe and is one of the most diverse communities in the city.  Edgewater If you are exploring Miami's luxury home marketing circles, you will know all about Edgewater. Its high-rise condos and luxury apartments epitomize the Miami Beach experience.  Other LGBTQ+ Friendly Areas There are plenty of other LGBTQ+-friendly areas in Miami. North Miami Beach and Brickell are excellent spots on the water. Moving a bit further inland, Little Havana has a great mix of culture, food, history, and desirable schools. You also can’t go wrong with moving to downtown Miami and connecting with the vast LGBTQ+ community there. Your Guide to a Welcoming Home in Miami Whether you are moving to Miami Beach, Fort Lauderdale, North Bay Village, or Coral Gables, working with a gay realtor can make your home search much more accessible. However, you will also need a reliable lender to assist with your mortgage. Pride Lending  serves LGBTQ+ individuals with finance industry knowledge to help them afford homes in South Florida, which is why we received the 2024 Prism Award.  To discuss your home loan objectives with a representative from Pride Lending, call us today at 727-591-7909.