I've been saving for a down payment (NJ) and have a little over $30K saved so far. Where is a good place to park this money?

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If your horizon for needing the money is less than a year, I'd find a high interest money market acct (Ally or CapOne 360 pay 1-1.15%), if you have a year or two, I'd park it in a Vanguard brokerage account with a 65/35 bond/stock split (index funds). If longer than two years, maybe move close to 50/50 stock/bond depending on your risk tolerance.

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Discover savings is another option, it offers 0.95%, which is one of the highest rates for a savings account

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Buy some VTI or VOO for a couple years.

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