Instant Pot Chicken Noodle Soup

Instant Pot Chicken Noodle Soup made from scratch and also in a fraction of the time. Delicious and also passionate, packed with noodles and hen, this soup will heat the cockles of your heart.

I wished for snow for Christmas and my desire came true significantly. While it was lovely while snowing, currently I don’t wish for it any longer, however I’m stuck with it. Nothing’s better on a cool winter months evening than a bowl of calming hen noodle soup.

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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.

Mustard Baked Chicken Tenders

Boneless skinless chicken breasts (or chicken tenderloins) are a fantastic protein option for anyone focused on eating a healthy diet. They are lean, delicious, easy to cook, and full of protein.

For this recipe, you can use either whole chicken breast that you cut into tenders or the smaller chicken tenderloins (often just called chicken tenders on the packaging). Chicken tenderloin is just as lean and nutritious as chicken breast, so it’s a great option if you can get it.

Chicken tenderloins need minimal prep before cooking since they have little to no fat to trim off. Just toss them in an easy and healthy sauce or marinade and bake! That’s why they work so well for this Mustard Baked Chicken Tenders recipe.

Source: diabetesstrong.com

etLife Bank Reverse Mortgage

MetLife Bank announced on April 26, 2011 that the bank was leaving the reverse mortgage business. Nationstar Mortgage purchased the servicing rights to the MetLife reverse mortgage portfolio. “It’s not a reflection on the business or the people in the business, but really the times we find ourselves in,” said MetLife’s Donna Demaio.

Prior to leaving the reverse mortgage business, MetLife Bank was one of the leading lenders in the reverse mortgage industry.

Existing Customers

If you are an existing customer with a MetLife Bank reverse mortgage, you may contact their customer service department at (800) 269-6797.

CHICKEN EGG FOO YOUNG RECIPE

No deep frying is required to make this yummy chicken egg foo young recipe! Healthy, light and fluffy egg pancakes packed with veggies and topped with the tastiest gooey gravy. Pour the leftover sauce on a steamy bed of white rice and dig in!

CHICKEN EGG FOO YOUNG RECIPE

Got leftover cooked chicken and a few eggs in the fridge?

How about making the most delicious and fluffy homemade egg foo young!

Source: pickledplum.com

Home Loans and Housing-Related Assistance

VA Home Loans and Housing-Related Assistance

VA home loan programs may be used to obtain homes, condominiums, or manufactured homes; refinance an existing home loan; or install energy-saving improvements. VA offers these three main types of guaranteed home loan benefits:

  • Purchase Loans
  • Cash-Out Refinance Loans
  • Interest Rate Reduction Refinance Loans
Native American Veterans

For Native American Veterans who want to live on Federal Trust land, VA’s Native American Direct Loan (NADL) program is another option. It provides direct loans to eligible Native American Veterans for the purchase, construction, or improvement of a home. Learn more about NADL.

Adapted Homes for Disabled Veterans

VA also offers grants to Veterans with certain service-connected disabilities to build an adapted home or install ramps, widen doors, or make other modifications to live more independently. VA operates three types of grants that accommodate Veterans’ unique circumstances: Specially Adapted Housing, Special Housing Adaptation, and Temporary Residence Adaptation.

Help for Homeless Veterans

If you are homeless or at imminent risk of becoming homeless, contact your local VA medical center; call 877-4AID-VET (877-424-3838); or visit va.gov/homeless. VA can connect you with the care you need to get back on your feet.

Underwriting

Private-sector lenders underwrite and fund VA home loans according to established VA standards. VA’s partial guaranty for these loans means that nearly 90 percent of all VA-guaranteed home loans are made with no down payment required.

Delinquency

If a VA-guaranteed loan becomes delinquent, VA works with the borrower to avoid foreclosure, including providing financial counseling and, in some cases, direct intervention with a mortgage loan servicer on the borrower’s behalf. In 2013, VA loans had the lowest foreclosure rate of all types of loans in the market. If you are a Veteran or Servicemember having difficulty making mortgage payments, call 877-827-3702 to speak with a VA Loan Technician. More information about avoiding foreclosure is at

Borrowers

Borrowers must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan.

VA Requirements

Home Loans
  • Suitable credit and sufficient income
  • A valid VA home loan COE that verifies to lenders that you qualify for benefits
  • DD-214 or other applicable service documents
  • Certification that you will occupy the home
  • Other documents as needed for obtaining a home loan
Specially Adapted Housing (SAH) Grants
  • A rating by VA that you are as medically eligible for SAH grant benefits
  • Evidence that it is considered medically feasible for you to live in the proposed housing unit and locality
  • A proper relationship between the cost of the proposed housing and your current and future income and expenses
  • Suitability of the dwelling to your needs
  • Proof of ownership, such that the property can be adapted

VA Application Process

Home Loans
  • Use this detailed table to determine the specific evidence you need to obtain a home loan COE.
  • Prepare all documents and evidence before completing an application for a COE.
  • Obtain a home loan COE through eBenefits.va.gov, your lender, or the Atlanta Eligibility Center.
  • Once a VA COE for home loan benefits is obtained, contact several lenders who participate in the VA program to find out which one will offer the most favorable terms for your unique situation.
  • Work with the lender you select throughout the remainder of the home buying process. View this page for an illustration of the process.