Baked Parmesan Yellow Squash Rounds

Baked Parmesan Yellow Squash Rounds…an easy and delicious squash recipe requiring just two ingredients: yellow squash and grated Parmesan!

One of my most popular recipes every summer is my Baked Parmesan Zucchini Roundsand this summer has been no exception, as that recipe had enjoyed some viral traffic in recent weeks.

On one hand, it makes me laugh, because that recipe is SO easy (only 2 ingredients!) that it almost doesn’t qualify as a recipe and I almost never posted it. On the other hand, I completely understand how the recipe goes crazy every summer, because not only is it super simple to make, but it’s also completely addictive. It’s seriously my favorite way to eat zucchini. In fact, I can polish off whole pan of Baked Parmesan Zucchini Rounds in no time flat! But unfortunately, my family loves ’em, too, so I’m typically forced to share. 😉


Special Privileges
HSBC Advance
With Home Loan start Rp 500 million, automatically you registered as HSBC Advance customer with various advantage:

12 foreign currency for Deposit.
Visa Platinum Advance Debit Card that flexible access up to 7 your HSBC account.
Free transaction up to 30x/month at 177.000 ATM Bersama & ATM Prima accross Indonesia.
30x Free transfer fee Online Realtime transfer via HSBC Personal Internet Banking.
Easy manage your investment via Wealth Dashboard.
HSBC Premier
Your Home Loan start Rp 1,5 billion, automatically you registered as HSBC Premier customer with various privileges:

Up to Rp 10,5 Bilion for Travel Insurance.
Free annual free HSBC Premier Mastercard and 3x Point Rewards for overseas transaction.
Dedicated Relationship Manager and 24/7 Premier Contact Centre for you.
Global Emergency Support on overseas travel and emergency card replacement service within 2 days.
Free of transaction fee and exchange rate conversion at more than 6.500 ATM HSBC around the world*.
Convenient banking services everyday
FreeGo to footnote3 RTGS 4 times a month and SKN through HSBC Internet Banking.
FreeGo to footnote3 cash withdrawals and transfers at more than 77,000 Bersama ATM & 100,000 Prima ATM networks throughout Indonesia. Click here for further information.

Buying a house
Buying a house or property is one of the most exciting financial decisions that you can make. There are many different factors to consider – from getting the right loans to finding the perfect home.

Steps for buying a house :

Finding the perfect home: It’s best to start your search with a fairly clear picture of what you want: Do you want an apartment or a house? Do you need 2 or 4 bedrooms? Do you want to live near the office or your children’s schools? Do you have a preference in residential areas? And the list goes on. If you need assistance, contact trustworthy property agents to help you out.
Budget calculation: choosing the kind of Home Loan that is right for YOU.
Property evaluation and legal advice.
Finalising the purchase and settlement.
Refinancing your house loan
If you have a mortgage, we will be more than happy to assist you in transferring your current loan to an HSBC Home Loan.

Enjoy the benefits of refinancing your home loan:

Lower monthly repayments
Longer loan repayment periods
Steps to refinance your home loan:

Fill in an HSBC Home Loan application.
Provide us your credit approval letter and letter of current remaining debt from your previous bank.
We will re–evaluate your property value and your current income.
The next steps follow the same process for applying for our Home Loan.

Authentic Pasta Carabonara

Authentic Pasta Carbonara is easy to make, full of bacon flavor, and smothered in a cheesy egg sauce that will make you crave more. 


Pasta carbonara originates in the Rome region of Italy. No one knows the exact story behind the origination of the dish, but we do know where the location where the dish comes from. The word carbonara in Italian has to do with charcoal so many theories of the origin involve coal miners making the dish. However it came to be, the popularity of the dish increased throughout Italy and spread throughout the world after World War II.


The VA loan is a $0 down payment mortgage option available to Veterans, Service Members and select military spouses. VA loans are issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).

The VA Home Loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This historic benefit program has guaranteed more than 22 million VA loans to help veterans, active duty military members and their families purchase homes or refinance their mortgages.

Today, the VA Mortgage is more important than ever. In recent years, lenders nationwide have tightened their lending requirements in the wake of the housing market collapse, making the VA loan a lifeline for Veterans and active Military homebuyers, many of whom find difficulty when faced with tough credit standards and down payment requirements.

Like all home loans, VA Mortgages have considerable details and information to review. We encourage you to use our website’s educational resources to learn about the specifics of this exclusive home loan benefit. To start your VA Loan, talk with a Home Loan Specialist today.

Regulations and Fees
Although the VA Loan is a federal program, the government generally does not make direct loans to veterans. Instead, private lenders including Veterans United Home Loans finance the loan while the Department of Veterans Affairs offers a guaranty.

This guaranty, which protects the lender against total loss should the buyer default, provides incentive for private lenders to offer loans with better terms.

Loan Limits
In most parts of the country, veterans who qualify for the VA Loan can purchase a home worth up to $484,350 without putting any money down; however, with the 2019 VA Loan Limits, borrowers in high-cost counties may be able to purchase homes far exceeding that amount without a down payment. To find out the VA Loan Limit in your area, give us a call toll-free at 1-800-884-5560 or use our online Loan Limit Calculator.

Funding Fees
The VA Funding Fee goes directly to the VA to ensure the program keeps running for future generations of military homebuyers by removing any additional burdens off tax payers and veterans. The fee varies depending on the borrower’s circumstances and does not apply for veterans with service-connected disabilities. For example, if this is your first time using the VA Home Loan Program, the funding fee is typically 2.15 percent of the purchase price of the home. For subsequent use of your VA Loan benefit, the fee is 3.3 percent.

VA borrowers can roll the funding fee into their overall loan amount. The VA also limits closing costs for veterans and allows sellers to pay most or all of those expenses. Many of our borrowers purchase a home with no money due at closing.

To calculate your VA Funding Fee, use Veterans United Home Loans’ Funding Fee Calculator, or learn more about VA Loan eligibility in our next section.

Slow Cooker Asian-BBQ Fusion Chicken

The ingredients list in this chicken dish seem a little crazy – Lemon, BBQ sauce, ginger? What?!

But WOW do they work well together! The flavor of this dish is BOLD… I almost guarantee you’ve tasted nothing like this before. You will LOVE it!!

By the way – do you have my FREE slow cooker meal plan yet? Grab it right below:

Ok back to the recipe at hand…

You will also love it because it’s a slow cooker meal and freezes great if you want to prepare it ahead of time!

The myriad of financing options available for first-time homebuyers can seem overwhelming. But taking the time to research the basics of property financing can save you a significant amount of time and money. Understanding the market where the property is located and whether it offers incentives to lenders may mean added financial perks for you. Take a look at your finances to ensure you are getting the mortgage that best suits your needs.

Loan Types
Conventional Loans
Conventional loans are mortgages that are not insured or guaranteed by the federal government. They are typically fixed-rate mortgages. Although their stricter requirements for a bigger down payment, higher credit score, lower income to debt ratios, and potential to need private mortgage insurance make them the most difficult mortgage type to qualify for, conventional mortgages are usually less costly than guaranteed mortgages.
Conventional loans are defined as either conforming loans or non-conforming loans. Conforming loans comply with guidelines such as loan limits set forth by the government-sponsored enterprises (GSEs) Fannie Mae or Freddie Mac because lenders package these loans and sell securities on them in the secondary market. The 2018 loan limit for a conventional mortgage is $453,100 but the amount is higher for designated high-cost areas. (To find out what happens to your mortgage in the secondary market, read Behind The Scenes Of Your Mortgage.) A loan made above this amount is called a jumbo loan and usually carries a slightly higher interest rate because these loans are less attractive to the secondary market. For non-conforming loans, the lending institution underwriting the loan, usually a portfolio lender, set their own guidelines.
FHA Loans
The Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development, provides various mortgage loan programs. An FHA loan has lower down payment requirements and is easier to qualify for than a conventional loan. FHA loans are excellent for first-time homebuyers because, in addition to lower upfront loan costs and less stringent credit requirements, you can make a down payment as low as 3.5%. FHA loans cannot exceed the statutory limit. (For more on this type of loan, see Insuring Federal Housing Authority Mortgages.)
VA Loans
The U.S. Department of Veterans Affairs (VA) guarantees VA loans. The VA does not make loans itself, but guarantees mortgages made by qualified lenders. These guarantees allow veterans and service people to obtain home loans with favorable terms, usually without a down payment. In most cases, VA loans are easier to qualify for than conventional loans. Lenders generally limit the maximum VA loan to conventional mortgage loan limits. Before applying for a loan, request eligibility from the VA. If you are accepted, the VA will issue a certificate of eligibility you can use to apply for loan.
In addition to these common loan types and programs, check into programs sponsored by state and local governments and agencies to increase investment or home ownership in certain areas. (For further reading, see Shopping For A Mortgage.)

Equity and Income Requirements
Home mortgage loan pricing is determined by the lender in two ways, both based on the creditworthiness of the borrower. In addition to checking your FICO score from the three major credit bureaus, lenders will calculate the loan-to-value ratio (LTV) and the debt-service coverage ratio (DSCR) to set the loan price.

LTV is the amount of actual or implied equity that is available in the collateral being borrowed against. For home purchases, LTV is determined by dividing the loan amount by the purchase price of the home. Lenders assume that the more money you are putting at risk (in the form of a down payment), the less likely you are to default on the loan. The higher the LTV, the greater the risk of default, so lenders will charge more.

LTV also determines whether you will be required to purchase private mortgage insurance (PMI). PMI insulates the lender from default by transferring a portion of the loan risk to a mortgage insurer. Most lenders require PMI for any loan with an LTV greater than 80%, meaning any loan where you own less than 20% equity in the home. The amount being insured and the mortgage program will determine the cost of mortgage insurance and how it’s collected. (For more on PMI, read Six Reasons To Avoid Private Mortgage Insurance and Outsmart Private Mortgage Insurance.)

Most mortgage insurance premiums are collected monthly along with tax and property insurance escrows. Once LTV is equal to or less than 78%, PMI is supposed to be eliminated automatically. You may be able to cancel PMI once the home has appreciated enough in value to give you 20% equity and a set period has passed, such as two years. Some lenders, such as the FHA, will assess the mortgage insurance as a lump sum and capitalize it into the loan amount.

As a rule of thumb, try to avoid PMI because it is a cost that has no benefit to you. There are ways to avoid paying for PMI. One is not to borrow more than 80% of the property value when purchasing a home; the other is to use home equity financing or a second mortgage to put down more than 20%. The most common program is called an 80-10-10 mortgage. The 80 stands for the LTV of the first mortgage, the first 10 stands for the LTV of the second mortgage, and the third 10 represents the equity you have in the home.

Although the rate on the second mortgage will be higher than the rate on the first, on a blended basis, it should not be much higher than the rate of a 90% LTV loan. An 80-10-10 mortgage can be less expensive than paying for PMI and also allows you to accelerate the payment of the second mortgage and eliminate that portion of the debt quickly so you can pay off your home early.

The debt service coverage ratio (DSCR) determines your ability to pay the mortgage. Lenders divide your monthly net income by the mortgage costs to assess the probability that you will default on the mortgage. Most lenders will require DSCRs of greater than one. The greater the ratio, the greater the probability that you will be able to cover borrowing costs and the less risk the lender takes on. The greater the DSCR, the more likely a lender will negotiate the loan rate because even at a lower rate, the lender receives a better risk-adjusted return.

For this reason, include any type of qualifying income you can when negotiating with a mortgage lender. Sometimes an extra part-time job or other income-generating business can make the difference between qualifying or not qualifying for a loan or receiving the best possible rate.

Fixed vs. Floating Rate Mortgages
Another consideration is whether to obtain a fixed-rate or floating-rate mortgage. In a fixed-rate mortgage, the rate does not change for the entire period of the loan. The obvious benefit of getting a fixed-rate loan is that you know what the monthly loan costs will be for the entire loan period. A floating-rate mortgage, such as an interest-only mortgage or an adjustable-rate mortgage (ARM), is designed to assist first-time homebuyers or people who expect their incomes to rise substantially over the loan period. (To learn more, see Mortgages:Fixed-Rate Versus Adjustable-Rate.) When researching which type of mortgage to select, compare interest rates with a mortgage calculator.

Floating-rate loans usually allow you to obtain lower introductory rates during the initial few years of the loan, allowing you to qualify for a larger loan than if you had tried to get a more expensive fixed-rate loan. Although a floating-rate loan can be helpful for some borrowers, they can be risky if your income does not grow in step with the increase in interest rate. The other downside is that the rate change is uncertain since it is usually linked to a future market rate.

The most common types of ARMs are a one, five, or seven-year ARM. The initial interest rate is normally fixed for a period of time and then resets periodically, often every month. Once an ARM resets, it adjusts to the market rate, usually by adding some predetermined spread (percentage) to the prevailing U.S. Treasury rate. Although the increase is typically capped, an ARM adjustment can be more expensive than the prevailing fixed rate mortgage loan to compensate the lender for offering a lower rate during the introductory period. (To learn more about the risks involved with adjustable-rate mortgages, read ARMed And Dangerous.)

Interest-only loans are a type of ARM in which you only pay mortgage interest and not principal during the introductory period until the loan reverts to a fixed, principal-paying loan. Such loans can be very advantageous for first-time borrowers because only paying interest significantly decreases the monthly cost of borrowing and will allow you to qualify for a much larger loan. However, because you pay no principal during the initial period, the balance due on the loan does not change until you begin to repay the principal.

Weigh the benefit of obtaining a larger loan with the risk. Interest rates typically float during the interest-only period and will often adjust in reaction to changes in market interest rates. Also consider the risk that your disposable income won’t rise along with the possible increase in borrowing costs. (Interest-only loans can be beneficial, but for many borrowers they represent a trap. Read Interest-Only Mortgages: Home Free Or Homeless?)

The Bottom Line
If you’re looking for a home mortgage for the first time, you may find it difficult to sort through all the financing options. Take time to decide how much home you can actually afford and then finance accordingly. If you can afford to put a substantial amount down or have enough income to create a low LTV, you will have more negotiating power with lenders and the most financing options. If you push for the largest loan, you may be offered a higher risk-adjusted rate and private mortgage insurance. A good mortgage broker or mortgage banker should be able to help steer you through all the different programs and options, but nothing will serve you better than knowing your priorities for a mortgage loan.

Twice Baked Potatoes

Twice Baked Potatoes are one of my family’s favorite side dishes. A baked potato shell is stuffed with light fluffy mashed potatoes, cheese, and of course – bacon!

Twice Delicious, Twice Baked Potatoes
I love Baked Potatoes topped with all the toppings, sour cream, bacon and cheese… so naturally I love these stuffed baked potatoes too!

Twice Baked Potatoes are as easy to make as they are yummy! Potatoes are the ultimate comfort food whether they’re baked, fried or made into delicious mashed potato cakes. They’re the perfect addition to a delicious Slow Cooker Corn Chowder and the star of the dish in Au Gratin Potatoes!

Our goal is to guide you in making the right decision for your current financial situation. Chapter 13 Guru wants to be able to connect you with the best bankruptcy mortgage lenders in the Country. Chapter 13 & Chapter 7 bankruptcy plans provide two different avenues for debt relief, and we want to connect you with the right bankruptcy mortgage lenders who understand the common hurdles that come along with getting a mortgage after bankruptcy.

Purchasing a home or refinancing an existing mortgage after Chapter 13 bankruptcy is a goal for the majority of our clients, and we want to be the best online resource that can help achieve your goals of home ownership.

bankruptcy mortgage lenders

Why Are We The Best?
Our Company Mission
Our Philosophy
Mortgage Companies That Deal with Bankruptcies
Below are a few of the best companies that deal with bankruptcies, who offer opportunities to get a new mortgage or refinance an existing mortgage as soon as 12 months into a bankruptcy plan with trustee approval. Some bankruptcy mortgage providers can even offer a home loan as soon as 1 day after your bankruptcy discharge date. These bankruptcy mortgage lenders offer options for both new home purchases, and refinance programs.

Citadel Servicing

Angel Oak Mortgage Solutions

Prime Equity Mortgage

ACC Mortgage

First National Bank of America

Green Box Loans

Waiting Periods for Traditional Mortgage Loans
Here are some of the rules and their corresponding waiting periods for traditional mortgages. You can see examples such as conventional loans, FHA loans, and USDA loans. The majority of bankruptcy mortgage lenders will be able to offer these loans, but it is important to see what the different waiting or “seasoning” periods are before you can get a mortgage after your Chapter 13 discharge.

Conventional Loan After Bankruptcy
Fannie Mae previously required that a borrower wait at least 4 years after their bankruptcy discharge, before they would be eligible to apply for a conventional loan. Some great news, is in 2018, this waiting period has been reduced to only 2 years. You will likely need to rebuild your credit, but fortunately you may be able to get a conventional loan only just 24 months after your bankruptcy is discharged.

FHA Loan After Bankruptcy
FHA rules state that you must wait at least 2 years after filing a Chapter 7 bankruptcy. Some banks may require a longer time to pass, but many FHA lenders will approve an application only after 2 years. For a chapter 13, you only need to wait until you have successfully made 12 months of payments. Additionally, you will need to provide the court trustee’s written approval. Also, keep in mind that the clock doesn’t start upon filing, but rather once the bankruptcy has been discharged.

USDA Loan After Bankruptcy
The USDA rules are similar to the FHA. You will need to wait at least 2 years after filing a chapter 7 bankruptcy. For a chapter 13 bankruptcy, you may be eligible after making 1 years worth of payments on time.

As you can see, there are different rules related to waiting periods for various types of mortgage programs. If you have had a recent bankruptcy, we recommend contacting us and letting us know a little bit about your situation, and we will do our best to connect you with a lender that may be able to help you.

What to Look for When Comparing Bankruptcy Mortgage Lenders
What does their loan process look like?
It is important to determine if a bankruptcy mortgage lender will provide a free initial consultation before beginning the loan process. It is important that you are able to share your positive steps about getting towards financial health with your mortgage lender. This upfront consultation should also give you an idea about the level of customer service that the company will have to offer. A detailed consultation also can limit the possibility for issues during the loan process.

Are they being upfront with what they can offer?
Some bankruptcy mortgage lenders will try and attract customers with an extremely low interest rate. While this number looks good on paper sometimes a lender will not be able to deliver on their upfront advertised interest rate. Some home loan companies lure you in with a low interest rate only to add more fees or request a higher down payment amount. It is important that you understand that a lender who provides you with the lowest interest rate, may not be the top company for you to partner with.

What do their previous clients have to say about them?
It is important to understand that no bankruptcy mortgage lender will have a perfect online rating from their clients, however online reviews can offer an in depth preview as to what a company’s loan process looks like. When looking at online reviews of a bankruptcy mortgage lender, make sure you take note about customers who mention aspects like customer service, and availability of their loan officer. A great bankruptcy mortgage lender will provide meticulous customer service during your loan process in order to ensure the process goes smoothly for you. Some companies that advertise a low interest rate can fall short in areas such as customer service.

Easy Potato Salad Recipe with Tips

Honestly, this is the best creamy potato salad recipe (and so many of our readers agree, just read the reviews). See how to make homemade potato salad with our simple classic dressing. Jump to the Easy Potato Salad Recipe or watch our quick video showing how we make it.

There’s no need to be intimidated. Potato salad is very simple to make. With a few tricks, you’ll be making it like a pro in no time.

What is a Reverse Mortgage?

A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA)1 and allow homeowners to convert their home equity into cash with no monthly mortgage payments.2

After obtaining a reverse mortgage, borrowers must continue to pay property taxes and insurance and maintain the home according to FHA guidelines. Typically the loan does not become due as long as you live in the home as your primary residence and continue to meet all the loan obligations.

Reverse mortgage loans are commonly used to pay for home renovations, medical and daily living expenses. Homeowners who have an existing mortgage often use the reverse mortgage loan to pay off their existing mortgage and eliminate monthly mortgage payments.

reverse mortgage loan uses a home’s equity as collateral. The amount of money the borrower can receive is determined by the age of the youngest borrower, interest rates and the lesser of the home’s appraised value, sale price and the maximum lending limit.  The funds available to you may be restricted for the first 12 months after loan closing, due to HECM requirements.  In addition, you may need to set aside additional funds from loan proceeds to pay for taxes and insurance.

The loan does not generally have to be repaid until 6 months after the last surviving homeowner moves out of the property or passes away.  At that time, the estate typically sells the home to repay the balance of the reverse mortgage and the heirs receive any remaining equity. The estate is not personally liable for any additional mortgage debt if the home sells for less than the payoff amount of the reverse mortgage loan.

Reverse Mortgage Eligibility

To be eligible for a reverse mortgage loan, the FHA requires the youngest borrower on title to be 62 years or older. Borrowers must also meet financial eligibility criteria as established by HUD. If there is an existing mortgage on the home, it must be paid off with the proceeds from the reverse mortgage loan.

Eligible Homes Types for Reverse Mortgages

Most single-family homes, two-to-four unit owner-occupied dwellings or townhouses and approved condominiums and manufactured homes are eligible for a reverse mortgage loan. The home must meet FHA minimum property standards.


When the reverse mortgage loan does become due, the borrower’s heirs/estate can choose to repay the reverse mortgage loan and keep the home or put the home up for sale in order to repay the loan. If the home sells for more than the balance of the reverse mortgage loan, the remaining home equity passes to the heirs.

If the home sells for less than the owed balance, the estate is not required to pay more than the value of the home at the time the loan is repaid.

A reverse mortgage loan is “non-recourse”, meaning that if you sell the home to repay the loan, you or your heirs will never owe more than the loan balance or the value of the property, whichever is less; and no assets other than the home must be used to repay the debt.

Distribution of Funds

Reverse mortgage loan proceed can be received in any combination of the following options:

• Line of credit – draw as needed up to the maximum eligible amount

• Lump sum – a lump sum of cash at closing (only available on fixed-rate loans)

• Tenure – monthly payments for the life of the loan

• Term – monthly payments for a specific number of years

Borrowers may access the greater of 60 percent of the principal limit amount or all mandatory obligations, as defined by the HECM requirements, plus an additional 10% during the first 12 months after loan closing. The combined total of mandatory obligations plus 10% cannot exceed the principal limit amount established at loan closing. The borrower may also need to set aside additional funds from the loan proceeds to pay for taxes and insurance.