Consumers Financial Company Whats Cooking Hellzapoppin Cheese Rice

Hellzapoppin Cheese Rice

Watch out for this one!
'Nuff said!

- Matt Stout

Consumers Financial Company Whats Cooking Hellzapoppin Cheese RiceHellzapoppin Cheese Rice

  • 4 cups rice, cooked
  • 4 Eggs
  • 2 tablespoons minced onion
  • 1 tablespoon Worcestershire sauce
  • 1 teaspoon of salt
  • 1 package chopped, cooked frozen spinach
  • 1 pound grated sharp Cheddar
  • Small pinch each of Thyme & Marjoram
  • 1 cup milk
  • 4 tablespoons melted butter

Directions

Beat the eggs till they’re light. The add the
milk and all the seasonings. Fold in the
cheese, spinach and rice, and pour the
whole works into a greased casserole dish.
After pouring the melted butter over it, set it
in a 375 F oven to bake for 35 minutes.

Enjoy!

Consumers Financial Using Your Tax Refund To Buy A Home Before Interest Rates Go Up Again

Using Your Tax Refund To Buy A Home Before Interest Rates Go Up Again

Anyone else excited about tax time like we are? If you’re like millions of other Americans, the answer is “NO”. But your outlook doesn’t need to be so glum. If you are getting a tax refund, this time of year can seem almost as rewarding as getting a bonus.

Using Your Tax Refund To Buy A Home Before Interest Rates Go Up Again

Have you thought of maybe taking advantage of the extra money and using that refund as a down payment for a new home or to refi your existing home loan to a lower interest rate? Interest rates rose to a 4-year high this month and are expected to continue to clime for the rest of 2018. Higher rates equal higher monthly payments, making that new home or refinance plan that much more expensive. The sooner you get approved the better your chances are at locking in at a great interest rate.

Consumers Financial Mortgage’s own Matt Stout had this to say
“Using your tax refund as a portion of your down payment can be a great idea. While we have purchase options with as little as $500 down, putting more down payment can greatly improve your monthly payment.”

If you or someone you know is considering a home purchase, let them know to give Matt a call. There are many new programs that make the process more attainable. Approval is fast and always free. Call for more information on custom options at 801.599.5363 today or get a Quick Quote today!

Consumers Financial Company Sweet and Sour Pork Recipe

Sweet and Sour Pork

This is my mom’s recipe. It's by far my all time favorite, so much so that last year I told her that the only thing I wanted for Christmas was Endless Sweet and Sour Pork!
I hope you enjoy it.

- Matt Stout

Consumers Financial Company Sweet and Sour Pork RecipeSweet and Sour Pork

  • 1 pound pork (such as a pork roast, chops or loin)
  • 2 tablespoon soy sauce
  • 2 teaspoon minced garlic
  • 1 tablespoon grated ginger root
  • 1/2 teaspoon salt
  • 1 tablespoon brown sugar
  • 2 teaspoon ground black pepper
  • 1/2 onion, diced
  • 1 green bell pepper, seeded and diced
  • 1 can pineapple chunks, well drained (for sauce)
  • 1 tomato, cored and roughly chopped
  • 1 cup sweet and sour sauce
  • Peanut oil for frying (I have also used canola oil)

Sweet and Sour Sauce

  • 1 cup malt vinegar
  • 1 cup sugar
  • 1 tablespoon plus 1 1/2 teaspoon salt
  • 1/2 cup orange juice
  • 1/2 cup pineapple juice
  • 1/2 cup tomato paste

Sauce Directions

Combine all ingredients and whisk in a sauce pan. Heat over medium-high heat until boiling, stirring occasionally. Reduce heat and simmer 10 minutes. Let cool. Store in a glass jar, covered. DO NOT place in fridge. Will keep 6 months on shelf - make sure you use all of the salt!

Directions

Trim fat from pork and cut into cubes. Sprinkle enough soy sauce to lightly soak the meat. Add the garlic, ginger root, salt, brown sugar, and pepper. Stir to combine and marinate, refrigerated for at least an hour or overnight.
Heat a wok with about 2 tablespoons of oil over medium-high heat until a few drops of water start to sizzle. Working in thirds, fry the meat until barely pink inside. Drain on paper towels as you cook the rest of the meat (you will have to add more oil as you work). Add another tablespoon of oil to the pan and when hot, stir in the onion and fry about 3 minutes. Add the pineapple and let brown. Add the green pepper and fry about 1 minute. Return pork to pan and stir to combine. Add sauce and heat through. Add tomato and cook for about 30 seconds.
Serve over rice.

Optional Frying Method

If you like your pork crispy; drain raw, marinated pork on paper towels. Roll in corn starch, dip in beaten egg (you'll need 2 or 3) and then dredge in flour. Fry as above.

Enjoy!

Consumers Financial Company Tax Plan Spells Higher Mortgage Rates

Tax Plan Spells Higher Mortgage Rates

Like it or not, it is likely that any changes to American’s income tax system will result in higher mortgage rates, at least for now. Stocks are always looking for a good reason to rally and historically have pushed up whenever there is wind that taxes could go down. Even though the proposed tax plan may not actually accomplish lower taxes, the talk does create a buzz that is likely to spell a rally for stocks.  Mortgage rates have been steadily on the way up since November 1st, with the 30-year fixed hovering at just under 4% APR for most programs. As we enter the holiday season it is likely they will jump over 4%, especially if retail sales are higher than expected.

Consumers Financial Company Tax Plan Spells Higher Mortgage Rates

With Wall Street looking for a reason to rally, US Stocks will likely surge into the new year. Any perceived Improvement in the economy is almost always bad for mortgage rates. Homeowners looking to move or lock in a good interest rate by refinancing may be soon be faced with a mortgage interest rate over 4.5%.

If you have been waiting to refinance or still have mortgage insurance you should take a look while mortgage rates are still low. Call me for custom options at 801.599.5363 today or get a Quick Quote today!

Consumers Financial Company Spicy Asian Stir Fry Recipe

Spicy Asian Stir Fry

Everyone that tries this falls in love.
Enjoy!

- Matt Stout

Consumers Financial Company Spicy Asian Stir Fry Recipe

Marinade

  • 2/3 cup water
  • 3 tablespoons soy sauce
  • 3 tablespoons spicy red Bibigo Korean BBQ sauce
  • 1 teaspoon hot sauce(optional)
  • 1/2 cup sugar
  • 2 tablespoons sesame seed oil
  • 2 tablespoons Worcestershire sauce
  • 2 cloves chopped garlic
  • 1 tablespoon chopped ginger

Ingredients

  • 2 cups cooked rice
  • 1 large trimmed rib eye steak cut into strips
  • 2 tablespoons sesame oil
  • 1 red bell pepper chopped
  • 1 small sweet onion diced
  • 1 tomato chopped
  • 1 teaspoon fish sauce (optional)
  • 1 tablespoon soy sauce
  • 1 tablespoon cornstarch mixed with 1 teaspoon warm water

Directions

Mix ingredients for marinade steak in refrigerator for 1 hour. Start rice, then chop remaining ingredients. Heat 2 tablespoons sesame oil in wok.  Simmer peppers and onions until tender. Add fish sauce, steak with marinade, chopped tomato, and water/cornstarch to mix.  Cook over medium heat until steak is almost done, then reduce to simmer until sauce thickens.

Season with soy sauce to taste. Serve over rice.

Enjoy!

Consumers Financial Company Thai Chicken Wraps

Thai Chicken Wraps

This is a tasty and quick recipe that works as a main dish as well as it does as an appetizer.
Enjoy!

- Matt Stout

Consumers Financial Company Thai Chicken Wraps

Ingredients

  • 1 pound ground chicken
  • 1/2 sweet onion, chopped
  • 5 Shitaki mushrooms, chopped
  • 1 tablespoon cumin
  • 1 sm can water chestnuts, chopped
  • 3 tablespoon Thai style chili sauce
    (I use Kikkoman)
  • 2 tablespoon soy sauce
  • 1 head iceberg lettuce
  • salt and pepper as needed

Directions

Saute onion and chopped mushrooms in olive oil; set aside and cook chicken in olive oil until done, about 5 minutes. Season with salt and pepper to taste. Add onion, mushroom and chopped water chestnuts. Cook 3 minutes. Then add Thai chili sauce and soy sauce. Simmer 3 minutes.

Serve inside lettuce leaves with chili sauce for extra flavor.

Enjoy!

Consumers Financial What Happened to Rates Going Up This Year?

What Happened to Rates Going Up This Year?

At the beginning of the year everyone thought rates were going to go up. That just hasn’t happened. Since November of 2016 interest rates haven’t moved up or down more than .3%. With the best interest rates between 3.1% and 4.0% APR, mortgages are still very affordable for most people. While some people would like to speculate rates rising back to the double digits of the 1980’s, the current trend shows otherwise.

Consumers Financial Company What Happened to Rates Going Up This Year?

Since 2008 the federal government has been subsidizing mortgage rates, this trend is not likely to change as big banks have no interest in earning single digit rates on their investments. Part of the reason financial analysts were so sure rates would rise this year was that 2017 marked the beginning of bigger plan to take Fannie and Freddie out of conservatorship. Turning these entities back into public companies would require that rates rise to attract private investment.

To date, no one has come up with a plan on how this will happen without destroying the housing market. I talked a lot about this in other blogs as it relates to a similar problem that Japan faced in 1991. Simply put rates may never go up, now that we’ve duped the American taxpayers into being the bank.

If you have been waiting to refinance or still have mortgage insurance you should take a look while mortgage rates are still low. Call me for custom options at 801.599.5363 today or get a Quick Quote today!

Consumers Financial Company What's Really Mortgage Rates up at Night?

What’s Really Keeping Mortgage Rates up at Night?

Interest rates surged to 2-year highs last week, apparently in response to news that OPEC countries struck a deal to limit oil production. True, if OPEC is willing to do what it takes to push fuel prices higher, it only adds to the inflationary fears already pushing rates higher. But even as OPEC dominated this week's headlines, there are more important things keeping housing and mortgage markets up at night.

Consumers Financial Company What's Really Mortgage Rates up at Night?

Financial markets are understandably very interested in the stuff that fuels the movement of goods around the world.  The massive drop in oil prices at the end of 2014 saw the healthy interest grow into an obsession, with far too many market movements being forced to fit the oil price narrative.  It's a seductive thesis, especially for interest rates, given oil's inflation implications.
Oil prices do indeed have strong correlations with interest rate movements. Last week was a good example of that, as we'll see in the following chart.
But the chart also shows that this week's correlation is a small drop in a much bigger bucket.

At the end of the day we can still get rates in the low 4’s and even in the 3’s on the 15-year, but as gas prices rise so will rates. Call me for custom options at 801.599.5363 today or get a Quick Quote today!

Consumers Financial Company Mortgage Rates Hit 2017 Lows

Mortgage Rates Hit 2017 Lows

Consumers Financial Company Mortgage Rates Hit 2017 Lows

Rates have been rising for the last 6 months until now and here is why: when Trump won the election, investors made assumptions about the future of the stock market and monetary policy. This caused stocks to rise rapidly which has a negative effect on mortgage rates. The result was that mortgage rates rose to over 4% on most programs.

Just this week, geopolitical concerns (which tend to help rates and hurt stocks) have been added to the mix with several potentially alarming headlines.  In a very brief time, the US has bombed Syria, been threatened with nuclear weapons by North Korea, dropped the biggest available non-nuke in Afghanistan (some speculate as a show of force), sent an "armada" of warships to East China Sea (an overt show of force), and expressed that relations with Russia are at an all-time low.  
What happened next was a total surprise and President Trump made a public comment that the US Dollar is “too strong.” This sent mortgage rates to a new low for 2017 as the market was already in rally mode. This is due to the tendency for rates to go down if the value of our currency goes down.

All this means that if you have been waiting for that 3-point-something interest rate, your wait is over and you can now get back in on yesterday’s gravy train. Call me for custom options at 801.599.5363 today or get a Quick Quote today!

Mortgage Rates Rise as Bond Yields take a Thelma and Louise Nose Dive

Rates have risen significantly since March 7th, with many programs up over 3% since the first of the month. First off, the US Jobs market continues to show strength which gave the FED good reason to raise rates again next month. As if that didn’t hurt mortgage rates enough, what’s really got the market worried is what can happen on March 13th as we approach the US Debt Ceiling limit. That’s because since 2008 our banks and investment firms have had the US government borrowing money to lend on mortgages. With President Trump currently reevaluation of the financial markets, will he continue to let the US Government go into debt? If so then we are back to normal. But if not the implications are, for lack of a better quote, “HUGE!”

In other words, if the US Tax Payer isn’t going to borrow money to lend on mortgages, then the Banks will have to buy them. With rates in the 3%'s that doesn’t get anyone on Wall Street excited. Rates could rise rapidly this week if some solution isn’t met quickly. For now, rates are over 4.25%APR with most programs except the 15 Year which is still hovering around 3.6%APR.

If you have been waiting to refinance or still have mortgage insurance you should take a look while mortgage rates are still low. Call me for custom options at 801.599.5363 today or get a Quick Quote today!