Chicken wings are a staple appetizer at any party, but they are also good enough to compose a main course. There are many ways you can prepare chicken wings. Read below to learn how to make chicken wings.
Buy your wings. Plan on each guest eating 10-15 wings if main course, or 5-7 wings if served alongside other food as an appetizer. These instructions are for 2 pounds of wings, which should comfortably serve four people, but do not hesitate to multiply or divide the recipe to fit your guest’s needs.
Thaw if needed. If frozen, thaw your chicken wings. You can thaw them by placing your chicken wings in the refrigerator overnight, or in a cold bowl of water on the kitchen counter for 4 hours.
Serving our nation comes with some exclusive benefits that are sometimes overlooked. Using a VA loan backed by U.S. Department of Veterans Affairs (VA) for your next home purchase is a benefit that all veterans of our Armed Forces should be utilizing.
The intent of the VA home loan was to create affordable housing opportunities to our eligible Veterans by offering a mortgage loan that allowed for little money out of pocket and lower monthly payments (than other loan programs may offer).
When considering if you should apply for a VA loan you should first look at some of the advantages. For instance, VA requirements are less stringent than those of other popular products like conventional and FHA. Unlike Conventional loan products there is no minimum credit score to qualify. Rather, a VA approved lender looks at the entire loan application and reviews all the details and circumstances surrounding the entire application. Details such as recent credit history, employment history, assets and overall stability.
VA Home Loan Resources:
Primary VA Home Loan Benefits
Explaining How the VA Loan Works
Mortgage Calculator – help estimating your payments
Complete Guide to Home Loan Options
Helpful Guide for Buying a House
Most Common Mortgage Questions
10 Steps to the Home-Buying Process You Must Know
VA Loans at a Glance
What are VA Loans?
A VA home loan is a mortgage that is guaranteed by the U.S. Department of Veterans Affairs.
VA-guaranteed loans are made by private lenders such as banks, savings and loan associations, or mortgage companies. If the loan is approved, VA guarantees the loan when it is closed. The guaranty means the lender is protected against a percentage of the loss if you fail to repay the loan.
VA Loan Advantages
100% Financing – a down payment is not required in most instances. This will generally save you thousands of dollars out of pocket, especially compared to the other loan options. Other than the Rural Housing Loan, all other mortgage loan programs quire a minimum cash investment.
No monthly mortgage insurance – the VA loan does not have monthly mortgage insurance, saving you around $100-$200/month on your payment. USDA, FHA and Conventional mortgages generally require monthly mortgage insurance which is a cost the borrower pays for an insurance policy used to protect the lender from default on the loan.
Low Interest Rates – the VA home loan generally offers some of the most competitive rates in the country. Typically, the a 30-year fixed VA loan is about .250%-.750% lower than a traditional Conventional Mortgage loan.
Flexible Guidelines – the VA loan technically doesn’t have a minimum FICO requirement (which nearly all other loan programs do). That said, a borrower generally needs a minimum score of 620 to pass automated underwriting, however lower scores are allowed but may require a manual underwrite (which means there are more stringent requirements to qualify). Additionally, VA loans offer some of the highest Debt-to-Income (DTI) ratios of any home mortgage.
Jumbo Loans with little down – most loan amounts over $484,000 are what are considered a ‘jumbo’ loan. Conventional jumbo mortgages require a 10% down payment, whereas on a VA loan it is possible to only put 2-3% down depending on your county loan limit and available entitlement.
Ability to use multiple times – a common misunderstanding is that you can only use the VA Home Loan benefit once. In reality, you can use your VA home loan benefit as many times as you’d like. Additionally, you can have multiple VA loans at the same time.
For example, if you own a home currently (secured by a VA loan) and are looking to buy another. Instead of selling your existing property you could rent it out. Then, when you buy your next home you could potentially get another VA loan on that residence as well. In this scenario you’d have a VA loan on your old home and on the new one.
Do You Qualify for a VA Loan?
Basic Eligibility Requirements:
Active-duty military with 90 days of continuous active duty
Vetarans with 90 days of consecutive active duty service during eligible wartimes
Veterans with more than 181 days of active duty service during peacetime (for most service prior to 1981)
Veterans with at least 24 months continuous active duty (service after 1982)
6 or more years in the National Guard or Reserves – 1 year of credible service is a year in which you earned the full retirement credits, meaning you drilled consistently throughout the entire year and were awarded a credible year.
Cadets of the U.S. Military, Coast Guard Academy or Air Force
U.S. Naval Academy Shipmen
The spouse of a servicemember that is a POW or MIA
Must use for a primary residence (single family home, townhome, 2-4 unit, VA-approved condo, manufactured home). 2nd home and investment properties are only eligible for an IRRRL refinance assuming it has an existing VA loan. If you’re looking to buy a 2nd home or investment property then only a Conventional Mortgage is allowed