How To Make The Best Creamy Coleslaw

My favorite creamy coleslaw stays crunchy, not soupy, and gets a bit of bite in this slightly sweetened, vinegar spiked mayonnaise dressing.

Potato Salad. Baked Peans. My favorite Burrata and Heirloom Tomato Caprese Salad. Those recipes have always made up my barbecue buffet table daydreams. But coleslaw? It was always on the bottom rung of my side dish desires. Show me the shredded cabbage bowl and watch me skip right on by.

But my husband? He’s a coleslaw connoisseur. It’s usually the first thing he goes for. But that doesn’t mean the bites he gets are always good and that puts our home’s king of slaw down in the dumps.


Best Ways to Refinance a Mortgage with No Equity

In the past, it was challenging to find a mortgage lender that would allow you to refinance your mortgage at a reasonable interest rate if you had little to no equity. If you have no equity, it means that you have little stake in the property if you were not to pay the mortgage. Thus, most lenders would not help you.

However, in 2017, you may be able to refinance a mortgage with no equity, even with poor credit. This can assist you in getting your mortgage payment lower and getting you back on your feet financially. In some cases, you may be able to do a refinance with no equity even if you do not have a job now.

Take the initiative to educate yourself on no equity refinance options that are available in today’s market.

If you are in this circumstance, there is hope for you in 2017! Please explore the no equity mortgage refinance options below. But not every lender will offer these programs, so you should look for lenders whose business focusesrefinance loans.


If you have no equity or even negative equity, you may be able to qualify for the Home Affordable Refinance Program or HARP. This program allows people with Fannie Mae or Freddie Mac-backed loans to refinance even if the loan is from 105% to 125% of the value of the home. This is the best no equity refinance option out there for those who are in a negative equity situation; this is also referred to as ‘being underwater’ on your mortgage.

Not every loan will qualify for this program; as noted above, you must have a loan backed by Fannie Mae or Freddie Mac. You also cannot be behind on payments; this is not a foreclosure rescue program. Any payments in the last year will mean you are not eligible.

HARP has helped hundreds of thousands of people to refi with no equity, but you need to have paid your mortgage faithfully. Your credit score also will matter from lender to lender, so check around to see if you meet their criteria.

The HARP program is most likely going to be extended in 2017, so there still should be opportunities to do this type of refi for those with a Fannie or Freddie backed mortgage.


The FHA is a federal agency known as the Federal Housing Administration. It guarantees some private mortgage loans that ensure that the lender will be paid if you do not make your payments. You do have to pay for this guarantee each month with a mortgage insurance premium, but this loan is still a good deal for people who have little or no equity in their home.

Lenders that are approved by FHA allow you to refinance loans that would not otherwise qualify. Because the loan is backed by Federal Housing Administration, the FHA mortgage interest rates are very competitive and may in fact be lower than market rates.

The FHA Streamline program is a great deal for the home owner with little or no equity. This program is available to those with an FHA mortgage even with negative equity.

It is important to note though that this is not a home rescue program. You need to have generally paid your loan on time for the last year. If you have had the loan for more than a year, you cannot have had a payment that was late in the last 12 months. And all payments need to have been made on time in the last three months.

The streamline refinance program has other benefits for refinancing your mortgage with no equity. You do not need to be qualified again for the mortgage. The FHA lender will not usually check your credit or your income again to determine if you can qualify for the refinance.

It gets better, too. When you do a standard refinance, including an FHA refinance with cash out, you need to have a new appraisal done. If the house is not worth enough, you may not be able to refinance. But with the streamline refinance, you do not need a new appraisal. So, you can use the last appraisal that you had, whether that was for the original purchase or your last refinance.

Not having to have an appraisal offers several benefits. First, you do not have to pay $500 or so for another appraisal. Second, the appraisal always takes a few weeks to schedule, conduct and then to have the report completed and delivered to the lender. So, not having to do another appraisal is a big time saver. Some streamline refinances can be done in only two weeks.

2017 is a good time to do an refinance with a FHA streamline because home prices are rising – you might have more equity than you think – and rates are still very low.

Rate and Term Refinance

Another good option for you could be a rate and term refinance. This is for people who have at least 3.5% equity in the home. Most conventional lenders want to see 20% equity to do the refi. But an FHA refinance is possible with 3.5% equity.

This type of rate and term refi makes sense if you have a little equity in the home but your credit score has tanked for a number of reasons.

This type of FHA home loan program will require you to show a decent level of income and two years of employment. Higher debt is often ok; some people are approved with 50% debt to income ratio. Apply for a FHA loan today.


If you have a VA loan, you have some good options. People who are active or retired military can often do a refinance with little or no equity. You may even be able to do a fast refinance, called the VA streamline and not even have an appraisal done!

Takeaways on No Equity Refinancing

The mortgage lending market is more flexible today than it was a decade ago right after the crash. Today, you can find options to get a refinance done on a no equity refinance with a high loan to value ratio. You should speak to a variety of lenders in your area and see if they offer some of the above no equity mortgage refinancing programs.

Banana Oatmeal Cookies with Chocolate Chips

Easy, healthy Banana Oatmeal Cookies, you are what I need today. Chewy and choc-a-block with chocolate chips, this healthy dessert recipe is exactly what you should make when you are craving some old-school comfort (is there anything more classic or delightful than oatmeal, banana, and chocolate together?) but want to keep things on the lighter side.


How to Apply for a VA Home Loan Certificate of

Eligibility (COE)

The first step in getting a VA direct or VA-backed home loan is to apply for a Certificate of Eligibility (COE). This confirms for your lender that you qualify for the VA home loan benefit. Find out how to apply for a COE. Then, choose your loan type and learn about the rest of the loan application process.

How do I prepare before starting my application?

Gather the information you’ll need to apply for your COE. Click on the description below that matches you best to find out what you’ll need

How do I apply for my COE?

You can apply online right now.

Go to eBenefits to Apply

You can also apply:

Through our Web LGY system

In some cases, you can get your COE through your lender using our Web LGY system. Ask your lender about this option.

To apply by mail, fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and mail it to the address listed on the form. Please keep in mind that this may take longer than applying online or through our Web LGY system.
Download VA Form 26-1880.

Next steps for getting a VA direct or VA-backed home loan

Applying for your COE is only one part of the process for getting a VA direct or VA-backed home loan. Your next steps will depend on the type of loan you’re looking to get—and on your lender. For most loans, the lender will be a private bank or mortgage company. For the Native American Direct Loan, we’ll be your lender.


This really is the Best Ever Vegan Brownies Recipe! Fudgy, gooey, perfect squares of chocolate that cut easily and are easy to make. You’ll never buy a boxed brownie mix again!

In the last two days, I’ve made three batches of vegan brownies. That’s right, three. A few weeks ago, I tried some other recipes I was playing around with. All in an attempt to create the most perfect vegan brownies recipe in the world. It has been such a struggle you guys! (And yes I have a freezer FULL of brownies)

All of the recipes were edible (I mean, come on, it’s chocolate people!), but NOT the brownie perfection I was looking for. Either they were too fudgy, or too cake-like (my biggest peeve). Or one batch that cooked fine on the outside but wouldn’t fully cook near the middle.


KMS Mortgage Solutions Privacy Policy

This KMS Mortgage Solutions privacy notice provides information on how we and any of our subsidiaries, and any 3rd party providers collect, use, secure, transfer and share your information. KMS Mortgage Solutions are a mortgage and insurance intermediary firm and we will collect information directly from you. It should be noted that as part of the Financial Conduct Authority’s (FCA’s) regulatory process we are Appointed Representatives of Mortgage Next Network Ltd and are required to enter your details onto their systems. Details of their Privacy Notice can be found at

1.1. Types of Information Collected.

KMS Mortgage Solutions will typically collect but are not limited to:

First Name, How many Dependents, Personal Loan Details, Marital Status, Middle Name, Dependents Name, Personal Debt Details, Salary, Surname, Dependents Date of Birth, Personal Expenditure, Accountant Details, Previous Name, Photographic ID, Existing Mortgage Details, Previous employers details, Date of birth, Address ID, Existing Insurance Details, Employers Address, Present Address, Bank Statements, Email Address, Employers Phone number, Residential Status, Credit Card Statements, Phone Numbers, Health, Previous Addresses, Mortgage Statements, New Property Details, Ethnicity, Landlord Details, Proof of Deposit, Solicitor Details, Credit Card Details, Nationality, Payslips, Estate Agent Details, Bank Details, NI Number, Self Employed Accounts, New Mortgage Details, UK National, Employers Name, New Insurance Details, Gender Criminal Offences /Convictions, Doctors Details.

1.2. Methods of Collection

In our general conduct of business, we collect information relevant to the provision of mortgage and insurance intermediary advice from:
• yourself
• next of kin
• spouse / partner / family member
• Business associates
• Employers
• “Trusted” sources including:
• Government / Land / Police registers
• Credit / Default Agencies
• Financial Institutions (Banks, Building Societies, Loan Agencies, Credit Card companies)
• Insurance Companies
• Law firms
• Doctors
• Through consent to third parties disclosing information about you to us that they have collected

Such information will generally be collected by us via the use of any of our standard forms, over the internet, via email, or through a telephone conversation with you. We may also collect personal information through our affiliates or suppliers.

In addition, you may choose to submit information directly to us via several methods, including:
• in response to marketing or other communications
• through social media
• by signing up for a product or service
• through participation in an offer, program or promotion
• in connection with an actual or potential business or employment relationship with us

You may also agree to third parties disclosing information about you to us that those third parties have collected.

We, our service providers and partners collect certain information by using automated means, such as cookies and web beacons, when you interact with our advertisements, mobile applications, or visit our websites, pages or other digital assets. The information we collect in this manner may include: IP address, browser type, operating system, referring URLs and information on actions taken or interaction with our digital assets.

We may use third-party web analytics services on our websites and mobile apps. The analytics providers that administer these services use technologies such as cookies and web beacons to help us analyse how visitors use our websites and apps.

“Your Rights and Choices” section of this Privacy Notice specifies your ability to limit the usage of the information collected.

1.3. Purposes of Collection

Generally, we will collect, use and hold your information for the purposes of:
• Undertaking our regulatory responsibility for assessing the suitability of advice
• Dealing with lenders and providers to assist in providing a product or service
• Providing relevant information on mortgage and insurance products and related services that may be of interest
• Processing payments / transactions including: Accounting, Authorisation, Clearing, Chargebacks, Auditing, Billing, Reconciliation, Collection, Complaints, Enquiries, Credit Checks and related dispute resolution activities
• Protecting against and preventing fraud, money laundering, tax evasion, claims, other liabilities and managing risk exposure and agent /franchise quality, integrity, compliance and security of business processes
• Operating, monitoring, evaluating and improving our products, services, websites, mobile applications, other digital assets and business:
• Developing new products and services
• Managing communications, assessing effectiveness and optimising advertising
• Functionality of our websites, mobile applications and other digital assets
• Enforcing our “Terms of Use”, other legal rights as may be required by applicable laws and regulations or requested by any judicial process or governmental agency having or claiming jurisdiction over us or our affiliates.
• Complying with industry standards and KMS Mortgage Solutions policies

1.4. Lawful basis of processing

KMS Mortgage Solutions processes your information under the following basis:
• Performance of a contract: where you enter into a contract with us and we need to process your information as part of this contract
• Legitimate interests: some information is processed by us as part of our legitimate interests which include fraud, risk assessment, due diligence, network and information security, suppressions and managing opting out of communications , profiling , direct marketing, monitoring, web analytics, cloud storage, acquisitions, updating customer details, and other core products and services provided by the data controller
• Public interest: some information is processed in accordance with public interest
• Consent: where we process information under consent we will seek your clear and unambiguous consent prior to processing your data.

1.5. Information We Share

We do not sell or otherwise disclose personal information we collect about you, except as described in this Privacy Notice or as indicated via a consent process at the time the data is collected. We share the information we collect with, but not limited to:
• Vetted affiliates / Financial Institutions / Insurance Companies / Mortgage Companies for business facilitation to provide required services, such as mortgages, insurance cover etc.
• Vetted affiliates for the purpose of conducting consumer research
• Formally contracted service providers to perform services on our behalf:
• Hosting Datacentres, Infrastructure, Applications (Development / Support) , Cloud Services (Software as a Service – SaaS, Platform as a Service – PaaS , Infrastructure as a Service – IaaS)
• Helpdesk, Call Centres etc.
We contractually require these service providers to safeguard the privacy and security of personal information they process on our behalf and authorise them to use or disclose the information only as necessary to perform services on our behalf or comply with legal requirements
• Law firms
• Auditors
• Our Network Principal Mortgage Next Network Ltd.
• Credit agencies, Land Registry Office, Her Majesty’s Revenue and Customs (HMRC), Financial Conduct Authority (FCA) and other relevant regulatory bodies
• Additionally we may share information about you, if required legally, to prevent harm or financial / reputation loss, for investigation of suspected or actual fraudulent or illegal activities.

On websites, features can be accessed where we partner with other entities that are not affiliated with us. These include social networking, geo-location tools etc. are operated by third parties (indicated appropriately) who may use or share personal information in accordance with their own privacy policies. It is recommended that you review the third parties’ privacy policies if you use the relevant features.

We reserve the right to transfer your information in the event of a sale or transfer (wholly or partially) of our business or assets, with reasonable efforts for the acquirer to protect / use your information consistent with our Global Privacy Notice. You can exercise your rights to contact the acquiring entity with questions concerning the protection and processing of your information.

1.6. How long do we keep information for

We will keep information for a reasonable amount of time in order to perform the purposes listed above.
We only keep your information for as long as necessary. We generally keep personal information for 7 years after last contact with you. However, we reserve the right to keep information for longer if we feel that this is in the legitimate interests of KMS Mortgage Solutions.

1.7. International Data Transfers

We and/or associated third parties may transfer the personal information collected about you to recipients in countries other than the country in which the information was originally collected. Those countries may not have the same data protection laws as the country in which you initially provided the information. When we transfer your information to other countries, we will protect that information as described in this Privacy Notice or as otherwise disclosed to you at the time the data is collected (e.g. via program specific privacy notice).

1.8. Profiling

For the purposes of business conduct, enhancement, identification of fraud, money laundering and other potential unauthorised activities, we may engage in profiling activities via direct use or anonymisation of sensitive personal information.

1.9. Direct Profiling

Direct profiling is engaged for the fair and lawful purposes, to provide us with the ability to enforce KMS Mortgage Solutions “Terms of Use”, legal reporting as may be required by applicable laws, regulations, policies / standards or requested by any judicial process or governmental agency having or claiming jurisdiction over us or our affiliates; including, but not limited to:
• Background checks for customers
• Financial Viability analysis / reports
• Business partner / customer portfolio position, performance, risk positions
• Anti-money laundering
• Tax reporting
• Credit defaulting / exposure

1.10. Indirect Profiling

Indirect profiling via anonymisation of personal information is also used for preparing and furnishing aggregated data reports showing anonymised information, including, but not limited to, the following:
• Compilations, analyses, analytical and predictive models and rules, and other aggregated reports for the purpose of advising our partners / affiliates and servicing institutions, retailers and other customers regarding past and potential future patterns of service usage, spending, fraud, and other insights that may be extracted from this data.
• Compiling and communicating promotional and marketing information about products and services that we, our affiliates and other organisations that we have affiliations with have and that may be of interest to you.
• Conducting market research
• Facilitating our internal business operations, including the fulfilment of any legal requirements.

1.11. Your Rights and Choices

Your rights regarding the sensitive / personal information we maintain about you enable you to exercise choices about what personal information we collect from you, how we use that information, and how we communicate with you.

1.12. Access and Correction

You may have the right to:
• obtain confirmation that we hold personal information about you
• request access to and receive information about the personal information we maintain about you
• receive copies of the personal information we maintain about you

The right to access personal information may be limited in some circumstances by local law requirements.

To exercise these rights, please see details below of requirements:

1.13.1 Update and correct inaccuracies in your personal information

If you feel that the information we hold about you is incorrect or inaccurate you can contact us outlining the information you feel is incorrect or inaccurate

If we refuse to correct your personal information, we will provide you with a written notice that sets out the reasons for our refusal (unless it would be unreasonable to provide those reasons) and provide you with a statement regarding the mechanisms available to you to make a complaint. We will provide you with access to information we hold about you

1.13.2 Object to the processing of your personal information

If you would like to object to any processing of your information by us you can contact us outlining what processing of information you would like to object to.

1.13.3 Have the information blocked, anonymised or deleted.

If you would like us to delete, block or anonymise information we hold about you, you can contact us outlining what information you would like deleted, blocked or anonymised.

To update your preferences, ask us to remove your information from our mailing lists or submit a request to access, update, correct or delete your personal information, please contact us as specified in the “How To Contact Us” section below.

1.14. Opting out of processing

You can opt out of collection of personal information by automated means e.g. when visiting our website or visit third-party websites and interacting with our adverts, by using the Cookie Consent tool displayed in the website (the browser you use may provide options on how to opt out of receiving certain types of cookies). However, without cookies you may not be able to use all of the website features and/or online services.

KMS Mortgage Solutions operate a cookie policy. Some of our service providers and partners may collect information about your online activities over time and across third-party websites to customise and target our adverts.
You can at any time tell us not to send you marketing communications by:
• e-mail [email protected]
• unsubscribing via the “unsubscribe link” within the marketing e-mails you receive from us, or
• contacting [AR FIRM] as indicated below.

1.15. Withdrawal of consent

If we obtain your information by consent you have the right to withdraw any consent you previously provided to us.

If we process your information under legitimate interest you can object at any time on legitimate grounds, to the processing of your personal information.

KMS Mortgage Solutions will apply your preferences going forward. Doing so will mean that you cannot take advantage of certain KMS Mortgage Solutions and affiliate products, services and promotions.

The right to consent removal may be limited in some circumstances by local law requirements and you will be informed appropriately.

1.16 How to Contact Us / Complaints and Feedback

If you:

• believe we fall short of your expectations in processing your personal information
• wish to make a complaint about a breach of your personal information, applicable privacy laws / principles or have a concern about our privacy practices
• would like access and/or update information or preferences you provided to us,
Please e-mail us at: [email protected]
Or write to us at:
Beechwood Studio
Station Road
EX14 3ED

To assist us in responding to your request, please give full details of the issue. We attempt to review and respond to all complaints within a reasonable time.

If we cannot for lawful reasons complete your request we will explain this to you to the extent that we lawfully can.

1.17 How We Protect Personal Information

The security of your personal information is very important and we are committed to protecting the information we collect. We maintain administrative, technical and physical safeguards designed to protect the personal information you provide or we collect against accidental, unlawful or unauthorised destruction, loss, alteration, access, disclosure or use.
We use SSL encryption on our website from which we transfer certain personal information.

We store personal information only for as long as it is necessary for the fulfilment of the purpose for which the personal information was collected, unless otherwise required or authorised by applicable law. We take measures to destroy or permanently de-identify personal information if required by law or if the personal information is no longer required for the purpose for which we collected it.

1.18 Review and Updates

This privacy notice may be updated from time to time and you should review it on a regular basis.



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.


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 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 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?


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.


Instant Pot Skyline Chili is my extra fast version of the classic Cincinnati Chili! Served over spaghetti and topped with tons of cheese & onions, you will love the unique flavor of this Skyline Copycat!

Instant Pot Skyline Chili is my new go-to for when I have ground beef defrosted for dinner and have no idea what to make. Does anyone else have that problem? I pull ground beef out of the freezer the night before which such good intentions, and then dinner time rolls around and I’m stuck! I usually stick with my Italian Sausage Meatballs or even switch it up and make my daughter’s favorite Taco Stuffed Baked Potatoes, but it is nice to have a wide variety of ground beef recipes. We love chili, but Skyline Chili is even better!


7 questions everyone asks about the harp refinance program


HARP 2 expires December 2018

Since its 2009 inception, the Home Affordable Refinance Program (HARP) has helped more than 3.3 million U.S. households to refinance.

The program could help hundreds of thousands more households, too — if only more homeowners would apply.

For whatever reason, some U.S. homeowners think the HARP loan is “too good to be true.”

Over the last 8 years, the HARP mortgage refinance has helped to support the U.S. economy and saved homeowners billions of dollars in mortgage payments, collectively. Homeowners who have lost home equity have used HARP to refinance to today’s mortgage rates without incurring new mortgage insurance.

The typical refinancing households save more than 30% annually on their payments.

If your home has lost value since purchase — and even if you’ve been previously turned down! — consider submitting a HARP home loan refinance application today. Today’s mortgage rates are low and the potential for savings is huge.

Plus, you may not have much longer to get your application in. The HARP refinance program expires in December 2018.

Verify your HARP eligibility (May 18th, 2019)

The basics of the HARP 2.0 mortgage

In 2009, the government launched its Home Affordable Refinance Program (HARP) as part of that year’s economic stimulus program. HARP was meant to give homeowners access to a refinance despite having little or no home equity.

In order to qualify for HARP, homeowners had to show their current mortgage was backed by Fannie Mae or Freddie Mac on, or prior to May 31, 2009; that their mortgage payment history was strong; and that their home’s loan-to-value was 125% or lower.

Between 2009-2011, HARP reached close to one million households. It would have reached more than one million households, it was determined, if not for the 125% loan-to-value restriction, and for a specific HARP clause which increased a mortgage lender’s typical mortgage liabilities.

So, to reach more households, HARP 2.0 was released.

HARP 2.0 was an improvement upon HARP 1.0. It removed the 125% loan-to-value restriction which helped homeowners in hard-hit states such as Florida, Nevada and California get access to the HARP program. It also removed the lender liability clause which had slowed HARP’s adoption.

Program changes were a hit. HARP 2.0 closed as many loans in its first 12 months as the original HARP 1.0 closed in its first three years.

Today, however, HARP volume has slowed. Homeowners have said that they’re unsure of how the program works; and, that they’ve been “turned down in the past” and didn’t know they could re-apply.

But, wouldn’t you know: according to Ellie Mae, mortgage lenders are approving a higher percentage of mortgage refinances than during any period since HARP’s launch 8 years ago.

It’s an excellent time to apply for a HARP loan refinance.

The government is going on the offensive.

7 things to know about HARP 2.0

Fannie Mae and Freddie Mac recently launched a HARP public relations campaign meant to educate U.S. homeowner about the HARP program’s benefits.

The agencies believe that the majority of HARP-eligible homeowners are either unaware that the program exists, don’t know about the program benefits, or both.

This website receives a lot of emails from homeowners wondering about HARP and whether they’re eligible to refinance. Here are some of the common HARP questions (and their sometimes-surprising answers).

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.


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.



  • 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.


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.


  • 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 – 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.


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.


• 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.


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.


  • 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.


There’s a reason this warm, cheesy Spinach Artichoke Dip is so popular: it’s DELICIOUS! It’s the perfect easy appetizer for holidays or parties because it’s always a crowd pleaser and it only takes a few minutes to prepare. You can even make it a day or two ahead of time and bake it when you’re ready! We like it best served with crusty bread, crackers or chips.


The Costs and Benefits of Refinancing

If you’re looking for a way to lower your mortgage payments or get your home loan paid off faster, refinancing may be the way to go. There are a number of advantages to refinancingbut the process isn’t without certain drawbacks, especially when it comes to the fees involved. Depending on your situation, the costs of refinancing could outweigh the benefits so you need to know what you can expect.

What Is Refinancing?

Mortgage refinancing is a strategy that helps homeowners meet their goals. This could mean refinancing to a lower interest rate or refinancing to a different mortgage term. Refinancing a home is a big financial decision and one that shouldn’t be made without doing due diligence. When you refinance, your new lender covers your old mortgage and replaces it with a new mortgage. Most people refinance to reduce their monthly payment, but some refinance from a 30-year to a 15-year mortgage term if they want to knock out their mortgage debt more quickly.

Refinancing is not the same as a second mortgage. A second mortgage gives you money from your home equity. Refinancing gives you an entirely new mortgage, ideally with more favorable terms. Wondering how to refinance? You’ll need to make sure a refinance is worth your while first. Then, you can shop around for a lender that will offer you a good interest rate with affordable monthly payments. Go for low closing costs and no prepayment penalties. The better your credit score, the lower the interest rate you should be able to get.

Adding Up the Costs

Generally, when you buy a home you have to pay certain closing costs to complete the sale. When you refinance, you’re essentially replacing your original mortgage loan with a new one which means you have to pay closing costs again. The closing costs for a refinance cover a wide range of fees and can easily total several thousand dollars. Of course, the risk of refinancing is that you might not recoup your closing costs, particularly if you don’t stay in the home for very long after refinancing.

The first thing you’ll have to pay is the application fee. Typically this fee covers the credit check, certain administrative costs and it may also include the appraisal. Depending on the lender, you could pay as little as $75 or as much as $500 just to apply for a refinance. There are no refunds if your application is denied. If the appraisal isn’t included in the application fee, you can expect to pay a professional appraiser anywhere from $300 to $1,000 for their time.

Assuming your application is approved, you’ll also have to pay a loan origination fee. This fee covers the lender’s administrative and financing costs and it’s usually one percentage point of your refinance loan amount. If you’re refinancing a $200,000 mortgage, you’re looking at an origination fee of $2,000. You may also have to pay a separate fee to the lender for reviewing the refinancing documents before closing. This can run anywhere from $200 to $400.

Before you start the refinance process, it’s a good idea to find out whether you’ll be assessed a prepayment penalty. Certain lenders will charge you for paying off your mortgage loan early even if you’re refinancing. The fee could be several months’ worth of mortgage payments. Some of the other costs you may have to pay include a title search fee, an inspection fee, flood certifications, recording fees and attorneys’ fees. These fees can easily increase the cost of a refinance by several hundred dollars or more.

Benefits of Refinancing

The number one reason that many people refinance is to get a lower interest rate on their mortgage. Some even choose to buy points to lower their rate. A lower rate translates to lower payments, which means you’ll pay less for your home overall. Paying less towards your mortgage each month also frees extra cash in your budget that you can put towards your short- and long-term savings goals.

Refinancing also offers an advantage if you want to clear your mortgage debt in less time. If you’ve got a 30-year loan, refinancing to a 15-year mortgage means you’ll own your home free and clear that much sooner. You’ll also be able to build equity in your home faster if you take this route. The only downside is that you’ll have to shell out more money towards your payments each month which could put a pinch on your wallet if you’re not careful.

Taking out a fixed-rate loan also makes sense if you’ve got an adjustable rate mortgage or you want to consolidate a home equity line of credit (HELOC) into your primary mortgage. Adjustable rate loans can save you money in the short-term but they can be dangerous if your payment suddenly shoots up due to a rate change.

The same is true if you’ve got a HELOC that’s approaching the end of its interest-only repayment period. Once you have to start repaying the principal, you could see your payments increase substantially which can put a major strain on your wallet. Refinancing to a fixed-rate loan helps you avoid any nasty surprises in both situations.

Should You Refinance?

When you’re trying to decide whether to refinance, the best thing to do is run the numbers to figure out how much you’ll save and whether it’s worth the fees you’ll have to pay. If the closing costs are a relatively high, it’ll take you longer to recoup the expense in terms of the money you’re saving on a monthly basis.

For example, if you’re paying $4,000 in closing costs and you’re saving $200 a month on your mortgage, it’ll take you 20 months to reach the break even point. If you’re planning on moving again in the near future, it may not make sense to refinance since there’s no guarantee you’ll recover the costs. On the other hand, if you are planning on staying put, refinancing could potentially put far more back in your wallet than what you what’d you have to pay in fees.