Egg Foo Young

Egg Foo Young is a Chinese egg omelette recipe made with vegetables like carrots, peas as well as bell peppers with an easy gravy topping.

We love simple Chinese recipes in our residence including Traditional Chinese Chow Mein, Poultry Lo Mein and Easy Mongolian Beef as well as this Egg Foo Youthful is the ideal, easy recipe to round out your favorite Chinese takeout meal made in the house.

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FRENCH TOAST BAKE

This Super Delicious Overnight French Toast Bake Recipe Takes French Toast To A Whole New Degree! Parts Of Sourdough Bread Covered In An Egg Blend, Topped With Cinnamon Sugar, And Also Baked To Excellence! This Easy French Toast Covered Dish Is The Ultimate Vacation Or Weekend Break Breakfast !!

Overnight breakfast casseroles are my favorite point to make on weekend breaks, or for vacation events as well as brunches. This french toast bake is without a doubt my most popular, yet individuals also love my Cinnamon Roll French Toast Bake, and for a tasty casserole, Breakfast Strata is a victor!

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FLUFFY VEGAN BANANA BREAD

Ah, the classic Banana Bread. Exist really people around that do not appreciate it?

Directly, I have actually constantly loved it. I might eat it for morning meal, salute it up for an afternoon snack, as well as put some peanut or almond butter on it for a very easy treat.

I may or may not be 50%+ bananas and bread if we are what we eat.
However, I did have one small issue– Vegan Banana Bread constantly seemed to fall … flat. Literally. There are a myriad of vegan recipes available, yet none of them have actually ever seemed to completely knock my socks off.

Thankfully, after months (and also indeed, I truly do indicate months) of testing, I believe I’ve lastly done it! This Banana Bread is …

  • Gluten, Oil, as well as Refined Sugar-Free
  • Really cosy and has a wonderful crumb, while still being wet
  • Can be kept at space temperature level for approximately a week without ruining
  • Made with just 9 components– that are additionally quickly available!

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Chicken Fried Cauli Rice

Today I’m ultimately obtaining around to sharing this scrumptious and amazing Chicken Fried Rice recipe, yet made with a little bit of brownish rice and also a great deal of cauliflower ‘rice’. It’s a terrific method to lower the number of carbs as well as raise the veggie portions. It’s rather comparable to my Guilt-Free Fried Rice, yet with also much less shame because we’re utilizing much less brownish rice as well as substituting the cauliflower, as well as including in shredded chicken for some extra healthy protein.

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SLOW COOKER SALISBURY STEAK

This slow cooker salisbury steak recipe is made with tender beef patties topped with mushroom gravy. Classic comfort food that’s super simple to make!

Comfort food has never been easier with salisbury steak in the slow cooker. This hearty dinner is full of rich flavors that the whole family will love. Serve it over mashed potatoes and watch the rave reviews come in.

Source: dinneratthezoo.com

Non-bank lenders like Quicken Loans are ‘the biggest

risk to the system’ right now, Jim Cramer warns

  • Non-bank lending companies like Quicken Loans, PennyMac and LoanDepot could cause a financial crisis if the Federal Reserve doesn’t regulate them, CNBC’s Jim Cramer warns.
  • They are currently “the biggest risk” to the U.S. economic system, the “Mad Money” host says.
  • “I am not crying wolf,” Cramer says, calling on the Fed to “crack down” before it’s too late.

Federal Reserve Chairman Jerome Powell may have “blinked” in his Wednesday speech, saying that the Fed had “no preset policy path” for interest rates, but his work is far from over, CNBC’s Jim Cramer warned as stocks popped on Powell’s speech.

“What’s the biggest risk to the system right now? After listening to Fed Chief Jay Powell, who made a lot of sense today, I’d say it’s non-bank lending,” Cramer said Wednesday on “Mad Money.”

In the speech, Powell characterized non-bank lenders as imprudent and a potential problem for the credit markets and the broader financial system. Still, he noted that after the 2008 financial crisis, federal regulators took measures that “have reduced the risk that key non-bank parts of the system would freeze up in the face of market stress.”

Even so, Cramer thought the rapid-fire rise of institutions like Quicken Loans, PennyMac and LoanDepot, three of the largest non-bank lenders, posed a near-term threat.

“There are many non-bank institutions making home loans that could collapse in value,” Cramer warned. “These companies came out of nowhere. They now control about half of the current mortgage market — that’s a trillion dollars’ worth of mortgages a year.”

Worse, if those lenders can skirt regulations meant for big banks with similar lines of business and make loans without enough documentation or money down, “that could be a serious problem,” the “Mad Money” host warned.

But Cramer — who in 2007 famously criticized the Fed for not paying enough attention to the economic layout — worried that the central bank would again fail to stop these unsound lending practices.

Instead of raising interest rates blindly, he suggested the Fed “make sure they play by the same rules as J.P. Morgan and Bank of America. If there are outliers and reckless lenders, you don’t raise rates, you shut them down. The Fed has that power — they should use it. ”

Cramer’s urgency stemmed from the worrisome trends across the market. In the housing sector, reports are showing falling new home sales, plateauing home prices and rising supply. The auto space is weakening. Oil prices just hit a 2018 low.

“When you get a great deal of housing inventory and prices start coming down while mortgage rates go up, that typically causes a collapse in pricing as sellers are desperate to get out, but few buyers can actually afford these homes because they’re swapping out a cheap, old mortgage for an expensive, new one,” Cramer said.

“At that point, homeowners who want to sell have no choice but to chase buyers further down,” he continued. “If the non-bank lenders issued floating debt, these sellers with floating-rate mortgages [will] default en masse if they can’t find buyers. It could be a mini version of the mortgage meltdown we had a decade ago.”

So while Powell’s comments may have ignited a relief rally in the stock market, the “Mad Money” host didn’t want anyone to be fooled into thinking there weren’t still serious risks to the health of the U.S. economy.

“It’s now time for him to put on his regulatory hat. He needs to crack down on these non-bank lenders with firm enforcement, not higher interest rates, which will just push any troubled lenders over the edge [and] make things worse,” Cramer said of Powell. “We know it’s happening. We see the ads. We know there’s been little or no regulation of these guys. I’m not crying wolf. The Fed needs to crack down on these non-bank lenders before it’s too late.”

BEER BATTERED ONION RINGS

Beer Battered Onion Rings are the perfect combination of crispy, light and fluffy with a hint of sweetness from the beer. A great side for your summer bbq!

BEER BATTERED ONION RINGS

Beer Battered Onion Rings aren’t a side dish many people feel like they can make or even order as often as they’d like. Any restaurant you go to always has a huge upcharge on them as sides, some even charging ten or more dollars for them as an appetizer!

It’s an onion and some beer and flour folks, don’t go spending all your money on side orders of onion rings. Just a single onion will make you a mountain of onion rings!

It must be complicated right? Nope!

There’s only a couple of decisions to make, sweet or regular onions? Beer batter or panko crust?

Source: dinnerthendessert.com

FHA Loan Requirements for 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

FHA loan requirements are published in a handbook more than 1,000 pages long. You would need to drink at least a 20-ounce cup of coffee with a turbo shot just to stay awake through the first 20 pages. Good news: You don’t have to do that, because NerdWallet summarizes the rules for you.

Here’s what you need to know about the requirements to get a Federal Housing Administration loan, without the jargon and footnotes — about topics such as debt-to-income ratios, loan limits and credit scores.

FHA loan down payment

With the FHA, the minimum down payment depends on your credit score. With a credit score of 580 or higher, the minimum down payment is 3.5%. With a score of 500 to 579, the minimum down payment is 10%.

FHA debt-to-income requirements

Lenders pay attention to your debt-to-income ratio, regardless of the type of mortgage you get. The debt-to-income ratio, known as DTI, measures the percentage of your pretax income that you spend on monthly debt payments, including mortgage, credit cards, student loans and other obligations. You can use a debt-to-income ratio calculator to figure out where you stand.

The FHA requires a debt-to-income ratio of 50% or less, according to Brian Sullivan, public affairs specialist for the U.S. Department of Housing and Urban Development, which runs the FHA.

FHA loan income requirements

There is no minimum — or maximum — salary you can earn that will qualify you for or prohibit you from getting an FHA-insured mortgage. However, you must:

  • Have at least two established credit accounts. Examples: a credit card and a car loan.

  • Not have delinquent federal debt or judgments — tax-related or otherwise — or debt associated with past FHA-insured mortgages.

  • Account for cash gifts that help with the down payment. These gifts must be verified in writing, signed and dated by the donor.

FHA documentation

Here is some of the documentation you will need when applying for an FHA home loan.

  • You must show proof of a Social Security number.

  • Provide original pay stubs, W-2 forms or valid tax returns, as necessary.

Of course, there are other stipulations — remember, the handbook is more than 1,000 pages — but an FHA-approved lender will walk you through the details if other requirements apply to you.

FHA property requirements

In addition to borrower qualifications, the property itself must meet certain requirements before you can qualify for an FHA mortgage.

  • The loan must be for a principal residence, and at least one borrower must occupy the property within 60 days of closing.

  • It can’t be an investment property.

  • An FHA appraisal includes a strict inspection, assessing a home not only on value but also on minimum property standards.

  • The property can’t be a flip: meaning you can’t buy a house within 90 days of a prior sale.

  • You must take title to the property in your own name or in the name of a living trust at settlement.

FHA loan limits

The property must meet FHA loan limits, which vary by county. In 2019, that’s generally $314,827 for single-family homes in low-cost areas and $726,525 in high-cost areas.

There are lender requirements, too

The FHA insures the loan, but a lender makes the final decision whether to hand over the money — and can determine what specific qualifications it requires.

Sullivan, spokesman for HUD, says: “We can set our standards, and we can say, ‘If you meet these requirements, FHA will insure a mortgage on that loan.’ And yet, lenders may add on what are called ‘credit overlays’ on top of our standards, and make it that much harder to qualify for a loan that they originate.”

Those requirements can include a higher credit score, or a better debt-to-income ratio. It’s a good reason to shop more than one lender.

What if you don’t meet all FHA requirements?

“FHA’s standard underwriting criteria is rolled up into a ‘scorecard’ that considers many factors related to income and debt,” Sullivan says. “Under certain conditions, particularly when a borrower doesn’t fit into our general score card requirements, a manual underwriting is required.”

That means if your situation doesn’t neatly fit within all the guidelines, a lender may consider your loan application as a one-off instance, an exception.

Spicy (or not) Slow Cooker Sirloin Tip Roast

This Slow Cooker Sirloin Tip Roast is so delicious and yummy! It’s a great way to have a hot and hearty meal in the summertime without using the oven. Slow cooker recipes are the best!

And you can make it spicy or not spicy — it’s all up to you.

I remember my mom used to buy a side of beef at a time, and the freezer would be packed with all kinds of amazing dinner possibilities for months on end. With six kids to feed, it’s no wonder she needed so much!

I certainly will never have the need to buy a whole side, but like my mom, I prefer beef from small, independent ranches. If you’re curious, the beef I used for this slow cooker sirloin tip roast recipe came from Crowd Cow where everyone shares and chooses their favorite cuts. It’s hard to explain how it works, so just check it out when you get a chance. They really do produce top quality meat.

Source: eatmovemake.com

VA Loan Refinancing

Veterans, Retirees and Active Duty Personnel can refinance an existing VA guaranteed loan to reduce the interest rate or switch an adjustable rate to a fixed rate through the VA Interest Rate Reduction Refinancing Loan (IRRRL). No appraisal or credit underwriting is required unless upon request. IRRRL only requires applicants to certify previous ownership of the home under the loan’s coverage and may be done with no money out-of-pocket by including all costs in the new loan.

REFINANCE YOUR VA LOAN

WHO VA IRRL IS FOR:

  • Qualified veterans and service personnel with a VA loan
  • Qualified VA loan owners who want to reduce their interest rate or switch from an adjustable rate to fixed rate
  • Qualified borrowers who want to refinance without an appraisal or credit underwriting
  • Qualified VA homeowners who want a streamlined refinance with no money out-of-pocket

Find out more about this program and eligibility requirements from your Movement Mortgage loan officer.

DISCLAIMERS

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval. Equal Housing Lender.

REFINANCE YOUR VA LOAN
WHO VA IRRL IS FOR:

  • Qualified veterans and service personnel with a VA loan
  • Qualified VA loan owners who want to reduce their interest rate or switch from an adjustable rate to fixed rate
  • Qualified borrowers who want to refinance without an appraisal or credit underwriting
  • Qualified VA homeowners who want a streamlined refinance with no money out-of-

BISQUICK CHICKEN POT PIE

Bisquick Chicken Pot Pie – autumn favorite comforting food, full of chicken and vegetables in creamy filling, topped with easy Bisquick crust; no canned soup used.

Bisquick Chicken Pot Pie is not only autumn favorite comforting food, it is also a great way to introduce more vegetables into your kids diet. It is full of chicken and vegetables in creamy filling, topped with easy Bisquick crust. And it has true home-cooked taste since no canned soup is used.

Source: kitchennostalgia.com

Explore our Bridge Home Loan Program – defeat the purchase

 

contingency clause

Does the idea of selling before buying make you too nervous in this low inventory market?

Did you fall in love with your dream home sooner than expected? Are you still prepping your current home to make it market-ready?

With our Bridge Home Loan Program, you can maybe buy your dream home without having to sell your current home ¬ first.

This special short-term, interest-only program works because it does not factor your current mortgage payment into the debt-to-income ratio used to qualify. This makes it easier for you to qualify, while still owning your current home. As an interest-only loan, you will not have to worry about two hefty mortgage payments.

Once you sell your home, we simply re¬finance you into permanent home financing.

Benefits:

• Often allows for 100% Financing on Purchase
• Write a non-contingent offer
• Get your dream home today
• Provides a solution that doesn’t include temporary housing, storing your belonging or having to sell your current residence prior to closing on a new home purchase
• This option allows you to use the equity in your current home to qualify for the purchase of your dream home

Program Facts:

• Eligible properties include: Primary, Secondary and Investment
• 1-year interest-only loan term
• Minimum loan amount: $150,000
• Departing home must be listed for sale prior to the closing on The Bridge Home Loan

Call me for more information or to get Pre-approved, (208) 277-1717.

Roast Chicken {and Homemade Chicken Gravy}

Roast Chicken and Chicken Gravy are two must have recipes everyone should have in their recipe box! Knowing how to roast a chicken is a game changing kitchen skill. It’s a breeze to do and you’ll love the end result!

What You Get with This Recipe

With this simple recipe you get moist, tender chicken with a perfectly browned skin and plenty of drippings for gravy. Because if we are going to roast a chicken we might as well make gravy too, right?

You can use this chicken in countless recipes or of course it’s delicious eating it freshly carved.

I used to be one that would only reach for chicken breasts but now I’m finding I love the thighs too, this recipe makes the best chicken thighs.

Source: cookingclassy.com

When (and When Not) to Refinance Your Mortgage

Refinancing Can Save You Money—or Cost Money. Learn the Difference.

Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance: to obtain a lower interest rate; to shorten the term of their mortgage; to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa; to tap into home equity to finance a large purchase, or to consolidate debt.

Since refinancing can cost between 3% and 6% of a loan’s principal and—as with an original mortgage—requires appraisal, title search, and application fees, it’s important for a homeowner to determine whether refinancing is a wise financial decision.

Refinancing to Secure a Lower Interest Rate

One of the best reasons to refinance is to lower the interest rate on your existing loan. Historically, the rule of thumb is that refinancing is a good idea if you can reduce your interest rate by at least 2%. However, many lenders say 1% savings is enough of an incentive to refinance.

KEY TAKEAWAYS

  • A lower interest rate on your mortgage is one of the best reasons to refinance.
  • When interest rates drop, consider refinancing to shorten the term of your mortgage and pay significantly less in interest payments.
  • Switching to a fixed-rate mortgage—or to an adjustable-rate one—can make sense depending on the rates and how long you plan to remain in your current home.
  • Tapping equity or consolidating debt can be good reasons to refinance—or doing so can sometimes make the debt trap worse.

Reducing your interest rate not only helps you save money, it also increases the rate at which you build equity in your home, and it can decrease the size of your monthly payment. For example, a 30-year fixed-rate mortgage with an interest rate of 9% on a $100,000 home has a principal and interest payment of $804.62. That same loan at 4.5% reduces your payment to $506.69.

Refinancing to Shorten the Loan’s Term

When interest rates fall, homeowners often have the opportunity to refinance an existing loan for another loan that without much change in the monthly payment, has a significantly shorter term. For a 30-year fixed-rate mortgage on a $100,000 home, refinancing from 9% to 5.5% can cut the term in half to 15 years with only a slight change in the monthly payment from $804.62 to $817.08.

Refinancing to Convert to an Adjustable-Rate or Fixed-Rate Mortgage

While ARMs often start out offering lower rates than fixed-rate mortgages, periodic adjustments can result in rate increases that are higher than the rate available through a fixed-rate mortgage. When this occurs, converting to a fixed-rate mortgage results in a lower interest rate and eliminates concern over future interest rate hikes.

Conversely, converting from a fixed-rate loan to an ARM can be a sound financial strategy if interest rates are falling. If rates continue to fall, the periodic rate adjustments on an ARM result in decreasing rates and smaller monthly mortgage payments eliminating the need to refinance every time rates drop. With mortgage interest rates rising, on the other hand, this would be an unwise strategy.

Converting to an ARM, which often has a lower monthly payment than a fixed-term mortgage, may be a good idea for homeowners who do not plan to stay in their home for more than a few years. If interest rates are falling, these homeowners can reduce their loan’s interest rate and monthly payment, but they will not have to worry about future higher interest rates because they will not live in the home long enough.

Refinancing to Tap Equity or Consolidate Debt

While the previously mentioned reasons to refinance are all financially sound, mortgage refinancing can be a slippery slope to never-ending debt.

Homeowners often access the equity in their homes to cover major expenses, such as the costs of home remodeling or a child’s college education. These homeowners may justify the refinancing by the fact that remodeling adds value to the home or that the interest rate on the mortgage loan is less than the rate on money borrowed from another source.

Another justification is that the interest on mortgages is tax deductible. While these arguments may be true, increasing the number of years that you owe on your mortgage is rarely a smart financial decision nor is spending a dollar on interest to get a 30-cent tax deduction. Also note that since the Tax Cut and Jobs Act went into effect, the size of the loan on which you can deduct interest has dropped from $1 million to $750,000 if you bought your house after December 15, 2017.

Many homeowners refinance to consolidate their debt. At face value, replacing high-interest debt with a low-interest mortgage is a good idea. Unfortunately, refinancing does not bring automatic financial prudence. Take this step only if you are convinced you can resist the temptation to spend once the refinancing relieves you from debt.

It takes years to recoup the 3% to 6% of principal that refinancing costs, so don’t do it unless you plan to stay in your current home for more than a few years.

Be aware that a large percentage of people who once generated high-interest debt on credit cards, cars, and other purchases will simply do it again after the mortgage refinancing gives them the available credit to do so. This creates an instant quadruple loss composed of wasted fees on the refinancing, lost equity in the house, additional years of increased interest payments on the new mortgage, and the return of high-interest debt once the credit cards are maxed out again—the possible result is an endless perpetuation of the debt cycle and eventual bankruptcy.

The Bottom Line

Refinancing can be a great financial move if it reduces your mortgage payment, shortens the term of your loan, or helps you build equity more quickly. When used carefully, it can also be a valuable tool for bringing debt under control. Before you refinance, take a careful look at your financial situation and ask yourself: How long do I plan to continue living in the house? How much money will I save by refinancing?

The Tax Cut and Jobs Act has changed the size of the loan from which you can deduct interest: it has dropped from $1 million to $750,000 if you bought your house after December 15, 2017.

Again, keep in mind that refinancing costs 3% to 6% of the loan’s principal. It takes years to recoup that cost with the savings generated by a lower interest rate or a shorter term. So, if you are not planning to stay in the home for more than a few years, the cost of refinancing may negate any of the potential savings. It also pays to remember that a savvy homeowner is always looking for ways to reduce debt, build equity, save money, and eliminate their mortgage payment. Taking cash out of your equity when you refinance does not help to achieve any of those goals.