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Intro: Finding the Best Rated Top 10 Mortgage Lenders in America
The entire process of buying a home can be challenging, and despite the continuously low interest rates buyers can take advantage currently, the process is full of regulations and, in many cases, hurdles.
That's why it's so important to find the top mortgage lenders that will provide you with funding. But how do you go about finding the top mortgage companies that can meet your mortgage needs?
The first step to securing a mortgage is to understand a fundamental difference between mortgage brokers and banks. A mortgage broker is an intermediary that works with lenders and borrowers, as a wholesaler to help buyers obtain financing.
Then, there are also banks and lending organizations that don't utilize this "middleman" and instead provide retail-level financing to potential buyers.
Mortgage brokers make up a significant percentage of all home loan originations, and there are pros to this wholesale approach, including the fact that brokers can help applicants who wouldn't qualify at a bank to obtain financing.
With the wholesale approach to mortgages, the interest rates may also be lower.
Don't Miss: Mortgage Rates/Loans Available to You
At the same time, when a borrower goes straight to one of the top mortgage banks, there are also advantages. For example, these top mortgage lenders tend to have a strong reputation because they are also often top traditional banks.
If you attempt to obtain a mortgage through your existing bank, you have the advantage of already having a relationship with this institution, and it may also be faster and easier to verify your financial information when it's held at the bank where you're applying for a mortgage.
The following list represents the top 10 mortgage lenders in terms of size and market share, as well as overall quality of products and service.
This list includes the top mortgage banks as well options for top online mortgage lenders.
List of the Top & Largest Mortgage Lenders
- Bank of America Home Loans
- Chase Mortgage
- CitiMortgage
- Flagstar Bancorp
- LendingTree
- Nationstar Mortgage
- PHH Mortgage
- Quicken Loans
- U.S. Bank
- Wells Fargo
This list is sorted alphabetically (click any of the above names to go directly to the detailed review for that mortgage lender).
10 Top Mortgage Lenders | 2017 Ranking & Reviews
Top Mortgage Lenders
Bank of America
Nationstar Mortgage Holdings
PHH Mortagage
Quicken Loans
U.S. Bank
Wells Fargo
Table: Top Mortgage Lending Companies. The above list of top mortgage lenders is sorted alphabetically
- Can Anyone Request a Review of a Mortgage Lender?
- Do Mortgage Lenders Have a Say in Their Review & Ranking?
- Can Mortgage Lenders Request Corrections & Additions to Their Reviews?
Methodology for Selecting Top Mortgage Lenders
This ranking and review is unique because it is primarily based on measurable data showing the top ten mortgage lenders in terms of size. For example, Wells Fargo is the largest mortgage servicer in the U.S., with a portfolio exceeding $1.6 trillion. Chase comes in second, with more than seven million mortgage and home equity loans serviced.
Also represented on this list along with the top mortgage banks are the top online mortgage lenders, including Quicken Loans, which is a nonbank lender that's the largest online retail lender in the country.
Uniquely, the names on this list not only represent the largest mortgage lenders, but they are also simultaneously the top-rated mortgage companies as well, particularly regarding borrower satisfaction.
Detailed Review—Top Mortgage Lenders
After carefully considering top mortgage originators, we created the following list of the top 10 mortgage lending companies.
As you continue reading, you'll find detailed reviews for each of our picks, as well as specifics of some of the factors we used in our decision-making process.
Bank of America Home Loans Review
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Bank of America has a history in the U.S. banking system that spans more than two centuries, as it started as the Bank of Nantucket.
Bank of America was also responsible for implementing the first licensed credit card program which was called BankAmericard and later became Visa.
It also featured the first banking department operated by women, specifically for women, in San Francisco.
Regarding mortgage lending, Bank of America has substantially grown its market share since 2013, and in Q4 of 2015, was ranked as the fifth largest lender based on originations. In Q1 2016, Bank of America remained as the fifth largest mortgage lender, with originations totaling around $16.5 billion.
Key Factors That Enabled This to Rank as a Top Mortgage Lender
Key factors that led to the inclusion of Bank of America Home Loans on this list of the top mortgage companies and the largest mortgage lenders are detailed below.
Home Loan Navigator
Bank of America has received complaints about its mortgage programs, particularly in recent years. That has been in large part because of the significance of Bank of America in terms of mortgage market share.
When a company maintains dominance in one particular industry, there are going to be some complaints, simply because of the sheer number of customers they work with.
At the same time, Bank of America has tried to make strides over the years to not just be recognized as one of the largest mortgage lenders, but also as one of the top 10 mortgage companies in terms of customer satisfaction.
As part of that effort, they unveiled the Home Loan Navigator, which is an online tool that's part of the online banking platform. It's designed to make the entire process of applying for and managing a loan easier.
The Home Loan Navigator lets users log on to track the status of their application, upload documents, electronically sign and submit documents, receive disclosures and processing documents, and communication with their Home Loan team through secure messaging.
Affordable Loan Solution Mortgage
A signature offering from Bank of America Home Loans, the Affordable Loan Solution Mortgage is designed to help buyers who want to reduce the amount of money they need for a down payment.
This fixed-rate loan is specifically designed for low- and moderate-income borrowers, and it features a competitive rate, as well as a down payment that may be as low as 3%. The goal is to provide a viable home buying opportunity for qualified buyers who simply don't have enough saved to make a larger down payment.
Mortgage insurance is not required, but homebuyer education may be required for first-time buyers through a HUD-approved counseling provider. The maximum income and loan amount and loan limits vary based on location.
Down Payment Resource Center
Available on the Bank of America Home Loans website is the Down Payment Resource Center, designed as a tool to help buyers lower their up-front costs. It includes a search tool based on local area, which can identify programs that can make buying a home more affordable.
As well as the search tools, there are educational resources available through the Down Payment Center including webinars, calculators, articles, and detailed information about the Affordable Loan Solution mortgage.
FHA Loans
This top mortgage bank features the option to obtain government loan options from the Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA). These government bodies offer government-insured mortgage loans, and they include features designed to make them easier to obtain for first-time buyers. Features include options to make low down payments, as well as flexible credit and income guidelines.
The FHA loan includes no maximum income or earning limitations, and fixed-rate loans are available. FHA loan maximums vary based on location and county.
The VA loan includes up to 100% financing, and qualified borrowers may not have to make any down payment. The qualification guidelines also tend to be more flexible than what's seen with conventional loans.
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Chase Mortgage Review
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Chase is one of the largest and most significant financial institutions in the country, serving almost half of the households in America through not just mortgages but also personal banking, credit cards, investment advice, small business loans and more. Chase maintains 5,300 branches and has $2.4 trillion in assets as well as global operations.
Based on the number of loans provided to U.S. consumers, Chase is number two on the list of the largest mortgage lenders. In Q1 of 2016, Chase reported $226.4 billion in loans.
Key Factors That Led Us to Rank This as One of the Top Mortgage Lenders
Below are key reasons Chase represents one of the largest mortgage lenders, as well as one of the top 10 mortgage companies in general.
Types of Mortgages
One of the reasons Chase is often picked as one of the top 10 mortgage lenders is because of the broad lending options they provide. When consumers go with Chase, they can choose from different types of mortgage loans to best suit their personal needs. Mortgage options include 15- and 30-year loans, ARM mortgages, FHA mortgages, VA Loans, Jumbo Loans, and more.
With each type of mortgage and all of the available options, Chase provides extensive information to help consumers make the right choice for themselves. With each of the available loans, Chase provides a list of the benefits, as well as the specific details that should be considered.
Mortgage Cash Back
Chase is often considered not just one of the top mortgage lenders in terms of size, but also because of the many promotions offered to consumers. One of these valuable programs is called the 1% Mortgage Cash Back program. Eligible participants can earn 1% of their principal and interest payment annually, up to $500 per year for the life of the program.
Eligibility includes having a mortgage payment automatically deducted from a Chase personal checking account within 60 days of closing the loan.
This is just one of the many regular promotional opportunities offered to Chase borrowers, which represents one reason they're often one of the top-rated mortgage companies.
Online Tools
The goal of Chase regarding mortgages is to make homeownership and the management of a loan as simple and convenient as possible for all borrowers.
They offer extensive online services that aim to make this a reality. Some of these online tools and service options include:
- Borrowers can schedule or make payments online, so they never forget to do it.
- Online banking services are available so borrowers can view their monthly statement, sign up to receive account alerts, and review their escrow account.
- Chase Mobile provides fingertip access to everything you need to manage your mortgage from a tablet or smartphone.
Mortgage Assistance
In the aftermath of the Great Recession, which still impacts many Americans, Chase strives not just to be one of the top mortgage companies, but also to provide assistance borrowers may need if they experience hardships or difficulty in paying their mortgages.
Mortgage assistance options from Chase include mortgage modification, which allows borrowers to change their mortgage terms to lower their monthly payment or interest rate. Also available is the option to sell the home for less than is owed, and the borrower can then pay a portion of the principal balance. Borrowers can release the property, which transfers ownership to Chase without a foreclosure process.
Reinstatement is an option that allows borrowers to pay the total amount they own, by a specific date, to avoid foreclosure. The repayment plan lets mortgage holders pay back part of their past-due amount with regular monthly payments made over an extended period of time, and with the forbearance plan, mortgage holders can make reduced mortgage payments or stop making payments for a particular period of time while they work to improve their financial situation.
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CitiMortgage Review
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CitiMortgage is part of the larger CitiGroup, which is one of the world's leading financial services company. In 2015, Citi reported more than $17 billion in earnings and served more than 100 million customers in 24 countries throughout the world. CitiMortage represents one of the top ten mortgage lenders throughout the country and also offers a variety of options, including pre-approvals and refinancing options.
Borrowers can also visit the CitiMortgage website to locate various support resources if they're already homeowners, or even to search for properties that are for sale.
Key Factors That Enabled This to Rank as a Top Mortgage Lender
Factors often leading to the inclusion of CitiMortgage on rankings of the top mortgage companies are listed below.
Homeowner Support
CitiMortgage puts a lot of emphasis not just on helping applicants obtain a mortgage, but also on helping current homeowners find the support and assistance they may need during a difficult situation.
The Citi Office of Homeownership Preservation was created to offer Citi homeowners simplified access to counselors and other professionals and organizations that could help prevent the loss of their home. It represents a partnership between the Citi foreclosure prevention branch of the business and Citi Community Development.
There area also opportunities to explore the options available as a homeowner, apply for assistance, and resources to help owners avoid potential scams.
CitiMortgage offers access to the Home Affordable Refinance Program (HARP), which is a government-sponsored program that helps owners who might not be able to refinance take advantage of the current low mortgage interest rates. It's designed for homeowners who might not otherwise be eligible for traditional refinancing.
It allows participants to obtain lower rates, even if they have little equity in their home and reduce their monthly mortgage payments. It also saves interest over the life of a loan, and no mortgage insurance is required if none is used with the current mortgage.
Citi Mortgage Selector
Often, home buyers, particularly if it's their first time applying for a mortgage, find that it can be a challenge to decide what option is best for them. It can be confusing, and in order to help applicants avoid that frustration, Citi offers many excellent tools and resources, including the Citi Mortgage Selector.
The Citi Mortgage Selector is a simple online tool that asks for information such as the type of property you hope to purchase, your expected purchase price, and location details.
You can enter your financial information, including your credit score, and you're then walked through a process that leads to a quote as to the terms and loan that are going to be best for you.
Online Mortgage Request
Many of the useful and convenient tools offered by CitiMortgage are available online, and this includes the Online Mortgage Request. When you start your mortgage request online, you'll be getting a head start toward achieving your goals.
This process begins with the Mortgage Selector, detailed above. Then, a mortgage is customized for the buyer, and once a selection is made, a simple form can be completed. After this, a mortgage representative will contact the applicant to walk them through the process and make sure they're getting the most competitive possible rate.
You can expect about 30 minutes total required to enter your information, and applicants can save their information and complete the process at a later date if they choose.
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Flagstar Bank Review
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Flagstar Bank is headquartered in Troy, Michigan. What's unique about Flagstar is that while it maintains traditional bank branches only in Michigan, it's one of the top mortgage originators in the country, according to Inside Mortgage Finance.
In terms of mortgage loans only, there are Flagstar retail locations in 21 states around the country, and the wholesale mortgage network includes more than 1,000 brokers and agents, with a presence in every state in the nation. There are almost 340,000 borrowers and $75 billion in home loans that are part of the Flagstar business. Flagstar Bank is a subsidiary of Flagstar Bancorp, which is listed on the New York Stock Exchange as FBC.
Key Factors That Allowed This to Rank as One of the Top Mortgage Brokers
Critical reasons Flagstar is considered one of the top mortgage brokers and top mortgage originators are represented in the below list.
Low Rates
Perhaps one top reason that Flagstar is often ranked as one of the top 10 mortgage lenders is their dedication to providing extensive lending options at competitively low rates.
Some of the most popular loans available through Flagstar include:
- 30-Year Fixed: This longest fixed-term loan makes it one of the most popular options for Flagstar borrowers. The interest rate that's set at the time of closing is the interest rate that remains linked to this loan.
- 15-Year Fixed: This option has a higher monthly payment but can mean buyers are able to pay off their loan more quickly and save in interest payments over the life of their loan.
- 5/1 Adjustable Rate: This loan includes a fixed interest rate over an initial five-year period, and then the rate is adjusted on an annual basis, so it can be increased or decreased.
- FHA 30-Year Fixed: The Federal Housing Administration insures this loan, and it boasts more flexible qualification requirements than many traditional loans.
Financial Hardship Programs
Flagstar strives to create an environment that's understanding of the potential of financial hardships. They offer several hardship programs that are well-suited to a range of needs. Hardships can include job loss, reduction in hours or pay rate, illness or disability, divorce, or being called to active duty as part of a military reserve unit.
To begin a financial hardship program, users simply upload the Uniform Borrower Assistance Form, and either fax or mail the completed application to Flagstar.
Some of the hardship options available include forbearance, repayment, partial claims, modifications, mortgage release, and short sales.
Home Equity Solutions
As well as being one of the top mortgage brokers for new buyers, Flagstar also features home equity solutions, designed to help borrowers maximize the value they derive from their home.
A home equity line of credit is designed to help borrowers obtain financing as needed, much like using a credit card, and it's good for emergency costs or periodic expenses.
A home equity loan helps homeowners take advantage of the equity in their home, and it includes fixed and convenient payments through the life of a loan. Funds can be received as a lump sum, and a variety of loan terms are available. The interest paid on this loan may also be tax deductible.
Non-Conforming Loans
There is a branch of offerings available through Flagstar, categorized as "non-conforming loans," which include the following:
- Doctor Loan: This adjustable-rate loan program is designed to offer qualified doctorate medical professionals with deferred student loans the opportunity to purchase or refinance a primary residence, without having to go through the typical qualification obstacles that arise from having student loan debt.
- Jumbo Adjustable Rate: This adjustable rate mortgage allows for balances ranging from $471,001 to $3 million and is available with initial fixed rates of five, seven, or 10 years. These products typically require at least a 20% down payment.
- Fixed Second Mortgage: This subordinate-lien, close-end, fixed-rate loan must be closed concurrently with a Flagstar Bank conventional, agency-eligible first mortgage.
- Jumbo Fixed Rate: This mortgage is designed for the purchase of homes between $525,000 and $5 million, and a minimum 20% down payment is required.
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LendingTree Review
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LendingTree is unique from many of the names on this list of the top mortgage companies because it's actually a lending exchange that's based online. Rather than serving as a top mortgage originator, LendingTree is one of the top mortgage brokers. LendingTree was launched by Doug Lebda in 1998, and its headquarters are located in Charlotte, NC.
This online marketplace represents one of the largest lending networks in the U.S., and consumers can fill out one form and then shop and compare loans. Along with serving as a top mortgage broker, LendingTree also offers the opportunity to shop for auto, personal, business, and student loans, as well as credit cards.
Key Factors That Enabled Us to Rank This as a Top Mortgage Broker
Below are some key reasons LendingTree is included in this ranking as a top mortgage broker.
Perhaps the number one reason LendingTree has been able to grow and thrive over the years not as a top mortgage lender but as an online marketplace is because of the simplicity and ease-of-use this model delivers.
This service connects borrowers and applicants with multiple lenders, and from anywhere, these applicants can fill out a single form. The online application is straightforward, and after filling it out, users are connected with multiple lenders who would be a good fit for their needs. Applicants receive offers in a matter of minutes, and LendingTree can also be used to evaluate these options without affecting your credit score.
Variety of Products
No matter the type of home loan product you're searching for, LendingTree is likely going to be able to connect you with the top mortgage companies quickly and easily.
Home loan products offered through LendingTree include:
- Refinancing options
- Traditional home mortgage loans
- Home equity loans
- VA loans
- FHA loans
- Reverse mortgage loans
Mortgage Lender Reviews
LendingTree is a unique marketplace, and it includes a feature that many borrowers find advantageous, which is the provision of lender ratings and reviews. LendingTree users can not only gain easy access to the top mortgage lenders, but they can read in-depth reviews of mortgage providers from real customers.
There are not only detailed reviews but also star ratings given to each company, and users can search lenders by name or by type. They can also sort lenders by relevance and by state.
It provides a real-world view of how customers feel about lenders, so they can weigh the true pros and cons of working with a company.
Available on LendingTree are convenient calculators that help consumers determine whether or not they're making the right choices regarding a home loan, as well as how they're doing when it comes to achieving their personal goals.
For example, the Mortgage Negotiator is a tool that lets users find out whether or not they're getting a good deal on their Good Faith Estimate. They enter a few details of their situation, and their estimate is instantly compared to hundreds of offers, so they have the peace of mind that comes with knowing they got the best possible deal.
Other calculators include a general Mortgage Calculator, a Home Affordability Calculator, and the Mortgage Checkup calculator, which identifies whether or not it's possible to save money on a current mortgage.
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Nationstar Mortgage Review
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Nationstar Mortgage is recognized as one of the largest mortgage lenders as well as one of the fastest-growing lenders in the U.S. The servicing portfolio of Nationstar is more than $369 billion, and the company boasts more than 2.3 million customers. Nationstar focuses on deliveringwhat they describe as an integrated approach.
Nationstar is headquartered in North Texas but maintains offices around the country. Along with loan servicing, Nationstar also features origination and transaction-based real estate services.
Key Factors Leading Us to Rank This as One of the Top Mortgage Lenders
Nationstar is included on this list of the top 10 mortgage lenders for the following reasons.
Personal Service
Nationstar operates with a foundation based on an understanding of the inherent intimidation factor that can come with obtaining a mortgage or home loan product. The company works to alleviate that sense of stress by linking borrowers with expert Mortgage Professionals, who walk buyers through each step of the process.
The belief is that a positive mortgage experience is one that emphasizes competitive terms on loans, simplified paperwork, and trustworthy guidance from professionals with experience.
Customer Reviews
Central to the services and products offered by Nationstar Mortgage is a sense of honesty and transparency. To build that transparency, borrowers can visit the Nationstar website to find reviews and comments from real customers.
Customers from around the country can share the details of their experience, as well as an overall rating based on a star system.
Nationstar has also been recognized as a leader in quality customer service by SQM Group, and Nationstar is rated as a 5-star Fannie Mae servicing company.
Home Loan Options
As compared to many of even the top-rated mortgage companies, Nationstar has some of the most diverse home loan options, designed to meet a range of requirements and goals.
These home loan options include the following:
- Fixed-Rate Loan: This keeps the principal and interest portion of a loan the same over the years.
- Adjustable Rate Loans: These may include lower rates during the initial years of a mortgage, and they can be ideal for buyers who plan to move on within a few years.
- FHA: FHA Loans are insured by the federal government and boast flexible requirements.
- VA/Military: Nationstar specializes in lower and fixed-rate options that are available to qualified servicemembers and their families.
- Jumbo: These loans are for larger mortgages and include fixed and adjustable rate options.
- USDA: These loans are for rural property owners.
The Nationstar Commitment
Nationstar has grown to become one of the top ten mortgage lenders for many reasons, including their commitment to offering an alternative approach to obtaining a home loan.
Nationstar combines the newest in technology and innovation for an efficient experience, but this is also backed by a team of employees who are among the best in the industry.
The process begins online with an application, but then there is a specialist who takes over to work with borrowers through each step of the way. Nationstar is committed to alleviating misinformation and red tape, while also making sure their borrowers find the home loan that's in line with their budget.
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PHH Mortgage Review
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PHH Mortgage is a provider of mortgage services with operations across the U.S. PHH is recognized as the fifth largest originator of retail residential mortgages, the seventh originator overall, and the ninth largest mortgage service.
In 2015, PHH reported the closing of around $41 billion in mortgage financing, and an average servicing portfolio of around 1.1. million loans was maintained. PHH has remained dedicated to helping customers obtain home financing for more than 20 years.
Key Factors That Enabled This to Rank as One of the Top Mortgage Companies
When comparing the top mortgage originators and the top-rated mortgage companies, below are some reasons PHH Mortgage is included in this review.
Single Focus
Unlike many of the top mortgage banks included on this list, PHH stands apart because the provision of home loans and financing solutions are their sole focus. Other lenders may have diverse business areas, but PHH only works on mortgages.
The loan consultants at PHH specialize in helping consumers find the right home lending options for their needs, and they're so confident in the service they provide that they offer a guarantee. The guarantee states the loan will be closed by the agreed upon date, or the customer receives $500.
Faster Decisions
When a consumer opts to work with PHH, they'll enjoy the benefits of a technologically-driven experience that promotes efficiency. Customers can get a head start on the home loan process by completing an online form that includes information about the property they want to purchase or refinance, residence history, employment history, and bank and asset information.
Once this is completed, the consumer can then print the confirmation page, which will include a Loan Reference Number, and they can then contact a loan specialist to begin working.
It streamlines the entire loan application process, which most customers appreciate.
Tools and Resources
One of the many reasons PHH Mortgage is included on this list of the top ten mortgage lenders is that they're dedicated to being a holistic resource for borrowers. Rather than just providing loans, PHH also strives to offer information, resources, and guides that can help borrowers make the best possible decisions. These resources are tailored not just to the needs of first-time buyers but also buyers who have already purchased a home, and those consumers interested in refinancing.
Some of the tools and resources offered by PHH include calculators, guides that explain the different loan options, and articles on topics including mortgages and financial decisions.
There is also a guide on Frequently Asked Questions regarding mortgages and refinancing.
As mentioned above, PHH is an excellent resource not just for a first-time mortgage but also for consumers who want to refinance an existing mortgage.
PHH offers the resources borrowers need to move successfully through each step of the process, including weighing the pros and cons to determine if this is the right decision for them.
PHH highlights details of the refinancing process, benefits of lowering monthly payments, and what consumers should carefully consider before making a decision. Then, consumers can move on to see how low their payments can become, explore debt consolidation options, and also the general loan options they may have available to them.
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Quicken Loans Review
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Quicken Loans is the largest online mortgage lender in America, based on data gathered by National Mortgage News. More than two million American families have obtained home financing through Quicken, and the company closed more than $140 billion in mortgage loans in 2013 and 2014. Quicken has been part of the industry as a direct lender for more than 30 years.
As one of the top online mortgage lenders, Quicken features a range of products, as well as fast and efficient service and an excellent reputation both in the industry and among consumers.
Key Factors That Led Us to Rank This as a Top Mortgage Lender
When considering the top ten mortgage lenders, below are some reasons Quicken is often considered not only a top online mortgage lender but one of the best overall.
Customer Satisfaction
Customer satisfaction is perhaps one of the most important reasons Quicken was included on this list of the top mortgage lenders in 2016. This is important because even though other names on this list might represent the largest mortgage lenders in terms of market share, they might not have excellent customer satisfaction scores. Quicken is able to excel in both areas.
J.D. Power has ranked Quicken as having the highest customer satisfaction among primary mortgage origination companies for six consecutive years and for mortgage servicing for two years in a row.
The Process
A critical part of being a top online mortgage lender is the ability to deliver a seamless, efficient process. The loan process at Quicken is one that meets these standards and is also transparent.
The steps include the following:
- Let Quicken know how you'd like to be contacted, and then you're matched with a Home Loan Expert who will walk you through the process, understand your goals, and make sure you have clear expectations based on your unique situation.
- Your credit is then reviewed.
- You create a MyQL account once Quicken has your credit score, and then the process to find the right loan begins. You receive a good faith estimate, and once you agree to that, your application is prepared, as is your deposit. This can all be done online.
- Your loan is then prepared for underwriting to verify all of the information you provided. Quicken strives to work as quickly as possible. Then, your property is appraised.
- Finally, your loan is closed.
YOURgage Loan
An exclusive offering from Quicken, the YOURgage loan offers terms that the consumer decides on ranging from eight to 30 years, all of which have fixed mortgage rates. With this loan, consumers can also refinance up to 97% of their primary home's value, and a home can be purchased with as little as 3% down.
Loan amounts vary from $25,000 to $417,000.
The advantages of this loan are flexibility and the ability to pay off a mortgage more quickly. It's also based on your financial needs and budget, and the terms can be matched to life events, such as sending a child to college.
Rocket Mortgage
Rocket Mortgage is another signature offering from Quicken designed to offer fast, powerful, and fully online loan processes.
With Rocket Mortgage, consumers can eliminate all of the paperwork traditionally required to launch the loan process, which not only saves time but also improves accuracy.
Customizable mortgage solutions are offered based on current rates, and approval happens in a matter of minutes.
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U.S. Bank Review
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One of the country's top mortgage lenders based on market share, U.S. Bank is based in Minneapolis and currently maintains more than $238 billion in assets. U.S. Bank operates more than 3,122 offices in 25 states, and this full-service financial provider features not only mortgages but also banking, investment, trust, and payment services.
U.S. Bank offers a variety of mortgage options that include conventional fixed-rate loans, ARMs, VA loans, jumbo loans, and also options for new construction and investment properties.
Key Factors Considered When Ranking This as One of the Top Mortgage Banks
The following details highlight some of the reasons U.S. Bank was included on this list of the top 10 mortgage lenders.
Simple Prequalification
U.S. Bank strives to make the entire mortgage process as simple as possible for borrowers, and this includes the process to prequalify. U.S. Bank provides an easy-to-understand prequalification checklist that includes your name, current address, estimated annual household income, and estimated monthly household debt.
Then, your debt-to-income ratio is assessed based on mortgage guidelines, and you receive an estimate of how much you might be able to borrow. U.S. Bank also provides a prequalification letter, which can help demonstrate that you're a serious buyer.
This is optional but also helpful, and it's something many customers find advantageous when dealing with U.S. Bank.
In-Person Meetings
For some consumers who want to obtain a mortgage, going with a top online mortgage lender such as Quicken can be what they prefer. On the other hand, there are also going to be consumers who prefer working with a loan officer in person. This face-to-face interaction and guidance can make customers feel more comfortable with the process.
This is where U.S. Bank would be an ideal mortgage lender. U.S. Bank has a presence all over the country, and borrowers can use an online map search tool to find a loan officer near them and can help them throughout the process.
Competitive Rates
Some advantages of working with U.S. Bank as one of the top mortgage companies include the reliability and stability that come with this well-established company. Additionally, U.S. Bank puts a significant focus on the delivery of competitive interest rates, particularly for very qualified buyers.
For example, current rates on a 30-year conventional fixed-rate mortgage are 3.625%, and for a 15-year fixed-rate mortgage that goes down to 3.000%. This doesn't include mortgage discount points that can be purchased at closing, which may further reduce interest rates.First-Time Home Buyer Help
In an effort not just to be one of the top mortgage lenders of 2016, but also to be a well-rounded resource for buyers, U.S. Bank features special tools and content just for first-time buyers. U.S. Bank strives to make the first-time buying experience one that's rewarding and as simple as possible.
The U.S. Bank website features a number of in-depth guides related to first-time buyer topics, including the following:
- "How Much House Can I Afford?"
- "Is Buying a Better Option Than Renting?"
- "What Are the Different Types of Mortgage Loans?"
- "What Are Mortgage Points?"
- "What Is a Mortgage APR?"
- "How Does My Credit Score Affect My Mortgage Rate?"
- "What's the Difference Between Prequalification and Pre-Approval?"
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Wells Fargo Mortgage Review
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Wells Fargo is a full-service financial services provider based in San Francisco, boasting a history that dates back more than 160 years. Wells Fargo has more than $1.8 trillion in assets, and along with mortgages, also provides traditional banking, insurance, investments, and commercial financial services. There are 8,800 Wells Fargo locations, and 70 million customers are served.
In terms of mortgages and home lending, Wells Fargo offers a range of flexible solutions whether a consumer wants to buy a home, improve their existing home, refinance their current mortgage, or use the equity they have in their home.
Key Factors That Led to Our Ranking of This as One of the Top Mortgage Banks
Listed below are key factors that weighed into the inclusion of Wells Fargo on this list of the top mortgage companies and the top 10 mortgage lenders.
yourFirst Mortgage
yourFirst Mortgage is an offering available exclusively through Wells Fargo, designed to make home buying accessible even with a down payment as low as 3%. Wells Fargo highlights their goal of helping more people buy a home of their own without a large down payment.
Borrowers can receive a conventional fixed-rate mortgage with a low down payment, and Wells Fargo will also help borrowers find down payment and closing cost sources to assist them.
Borrowers can qualify with rental income, or from someone who lives with them but isn't a borrower. Credit history can be demonstrated from sources like rent, tuition, and utility payments, and borrowers can qualify with no area income requirements.
YourLoanTracker is an online tool offered by Wells Fargo that lets applicants and borrowers track their loan progress at any time from their computer or mobile device. It provides the tools to stay on top of your loan, and it includes a convenient to-do list showing the next steps you should take as a borrower, as well as the next step the bank will take.
It can also be used to upload required documents and review disclosures immediately, as opposed to waiting for them to be delivered via traditional mail.
It's a great tool to stay informed and streamline the entire lending process.
Renovation Loans
As well as conventional and government-insured loans, Wells Fargo also features the Purchase & Renovate Loan. This program includes the following features and benefits:
- Borrowers will have the convenience of one loan that can be used to buy a home and also make renovations or repairs
- There are conventional or FHA 203 (K) loan options
- Available with fixed or adjustable interest rates
- It can be used to finance renovation costs, and the loan amount is based on the value of the home after improvements
- Costs are spread throughout the term of the loan, so monthly payments can be lower than what they would be with other options
- This gives buyers the opportunity to look at a wider range of property choices
- Improvements can be started right after closing
- Interest may be tax deductible
Relocation Mortgage Program
Along with market share and generally being one of the largest mortgage lenders, Wells Fargo was also included on this list of the top mortgage lenders of 2016 for their many signature loan programs.
One of these is the Relocation Mortgage Program, which is available for primary residences and is designed for borrowers who are relocating at the request of their employer.
This loan requires that you are moving at least 35 miles from your current home, and it includes a personalized consultation with a relocation mortgage consultant to explore your financing options. Participants can also choose from a range of fixed-rate and adjustable-rate loan options, including renovation, jumbo, new construction, and FHA/VA programs.
It lets realtors and sellers know you're a serious buyer thanks to the PriorityBuyer preapproval, and it includes flexible payment options to schedule automatic monthly withdrawals.
Get Free Award Emblem Request PDF of Review
Conclusion—Top Mortgage Lenders and the Largest Mortgage Lenders
Purchasing a home represents the single largest investment and overall decision a person or a family will ever make in most cases.
It's not something to be taken lightly, and the mortgage lender you work with, as well as the terms of your loan, will impact your life and your finances for many years to come.
Most homebuyers are seeking top-rated mortgage companies that are transparent, trustworthy and accountable.
When ranking the top mortgage brokers and the top mortgage lenders, also important are reputation, customer satisfaction, and the diversity of available loan products.
All of these criteria, as well as overall market share, were included as critical components in the ranking and review of the above top 10 mortgage lenders, which includes top mortgage brokers and the top online mortgage lenders.
Below is 2015-2016's review and ranking of the top mortgage lenders.
Intro – The Top Mortgage Lenders | 2015 – 2016 (Comparison Ranking Reviews)
There is a wide variety of mortgage lending firms in America that provide a broad array of mortgage origination loans, including fixed and adjustable rate mortgage loans, FHA, VA, USDA, RHS, Jumbo, and conventional mortgage loans.
So which are the best mortgage lenders to get a loan from, and which are the largest mortgage lenders in America?
Lists of the Best, Top, and Biggest Mortgage Lenders in America
AdvisoryHQ News presents the list below of the best and top mortgage lenders for U.S. consumers. Click any of the titles below to go directly to that section or page:
- Top Largest Mortgage Lenders
- Top 6 Best Mortgage Lenders for Bad Credit Borrowers
- The Best Online Mortgage Lenders
- Best Mortgage Lenders and Loan Origination Companies
- Best 10 Mortgage Lenders for 1st Time Home Buyers
Based on the types of services that a mortgage lender provides, as well as its size and customer satisfaction level, the mortgage provider might be included in one or more categories. For example, LendingTree is one of the largest online mortgage firms in America, and the firm is also ranked as one of this year's "Best Mortgage Lenders for Bad Credit Borrowers".
Also, JPMorgan Chase is one of the top largest mortgage loan providers in America, and it also falls under the "Best Mortgage Lenders for First-Time Buyers" category.
Top Mortgage Lenders Review | 2015-2016 Ranking
Below, we present a detailed review of the top mortgage lenders in America, including the many factors that allowed each of these top largest mortgage lenders to score so high in our selection ranking. This list of top mortgage lenders in America, as well as the comparison review below, has been developed by AdvisoryHQ's editorial team after a detailed level of due diligence and analysis.
AdvisoryHQ was launched in 2015 and has since become one of the fastest-growing review and ranking media sources for the financial industry. Our goal is to help simplify the research and review analysis that U.S., U.K., and Canadian consumers conduct before buying a house, getting a loan, choosing a financial advisor, opening a bank account or hiring a wealth advisor.
List of Largest Mortgage Lenders in America
- Wells Fargo Mortgage
- JPMorgan Chase Mortgage
- Quicken Loans
- CitiMortgage
- Bank of America
- U.S. Bank Mortgage
Special Note About Fannie Mae and Freddie Mac
You will notice that AdvisoryHQ's review and listing of the top mortgage lenders does not include Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). This is because these two government-sponsored companies do not directly provide loans to consumers.
Fannie Mae and Freddie Mac were created by the U.S. Congress with a mandate of providing liquidity, stability, and affordability to the U.S. mortgage market.
These firms provide liquidity by buying mortgages from banks, credit unions, and other lenders that lend directly to consumers. They then hold these purchased mortgages in their portfolio of assets, or they repackage the mortgage loans into mortgage-backed securities (MBS) that are then sold to Wall Street and other end investors.
Top Mortgage Lenders – Coverage Area
Area of Service
JPMorgan Chase Mortgage
Multiple U.S. States
Quicken Loans
Online Lender
Wells Fargo Mortgage
Across the U.S.
Across the U.S.
Bank of America
Across the U.S.
U.S. Bank Mortgage
Multiple U.S. States
2016 review of the largest mortgage loan lenders and providers
Overview – Top Mortgage Lenders Reviews and Comparison Ranking
JPMorgan Chase Mortgage Review
Chase is rated as one of this year's largest mortgage lenders based on the total amount of loans it provides to U.S. consumers. For its latest quarterly financial report, Chase reported total net interest income of $11.7 billion, which was a huge increase from the $0.7 billion it earned in the same quarter last year.
Average loans provided by its consumer mortgage banking unit came up to $226.4 billion, an increase of 20.7% from the previous period.
JPMorgan Chase reported over $200 billion in "owned mortgage loans" during the quarter. This amount does not include the hundreds of billions of dollars' worth of mortgage loans that it sells to Fannie Mae/Freddie Mac or that it repackages and sells to investors.
JPMorgan Chase Financial Statements (Highlights)
Chase also scored high as a top mortgage lender due to the wide range of mortgage lending programs it provides, the many promotions it offers, the ease and efficiency of using its loan application platform, and a wide range of other factors outlined below.
Using Chase Mortgage's calculators, you can easily calculate how much home value you can afford, get a customized rate or generate a mortgage payment quote.
Chase has a mortgage cash back program, where your new mortgage payment is automatically deducted from a Chase personal checking account, and you get up to $500 each year for the life of the program. You can take the cash out at the end of the year or pay down your principal to save even more.
Buying or refinancing a home can be an overwhelming experience, but with Chase's Mortgage Bankers supporting you along the way (every step of the process), you don't have to go it alone.
Chase provides highly advanced, free online management tools that make it easy to access your mortgage account online through chase.com. You can sign up for paperless statements, make payments, view account activity, and more – right from your computer or mobile device.
Chase also has a grant program called Chase Homebuyer Grant. If approved, this exclusive grant provides you with up to $1,500 to lower your mortgage costs and reduce the amount you'll pay at closing. You can use it to pay down the interest rate on your new loan or to reduce your closing costs.
JPMorgan Chase Loan Products:
- Fixed rate mortgage
- Adjustable-rate mortgage (ARM)
- Jumbo mortgage
- FHA mortgage
- Home Affordable Refinance Program (HARP)
- Veterans Affairs (VA)
- DreaMaker® mortgage (This product is for those with less than perfect credit. It requires only 5% for a down payment, provides flexible funding options for closing costs, has reduced mortgage insurance requirements, and comes with lower monthly payments compared to other options.)
Chase provides a wide range of additional mortgage lending support, including help from government-sponsored programs, trained HUD counselors, and more.
This top mortgage lender provides mortgage assistance options for veterans, military service members, and members of the Guard and Reserve.
The firm is also in the midst of a mortgage relief settlement program, where it provides financial help to its current mortgage customers as well as new homebuyers.
Quicken Loans Mortgage Review
Quicken Loans is a top online mortgage lender that also ranks high as one of the largest mortgage lenders of the year. The firm, which offers mortgages across every U.S. state, has become the largest online retail mortgage lender according to National Mortgage News, the publication which compiles quarterly rankings for the mortgage industry.
Quicken Loans has helped over 2 million American families finance their homes and has been around for over 29 years. As of this year, Quicken Loans has closed over $85 billion in loans.
The firm has an A+ rating with the BBB, which is very impressive, being that most people only remember to give reviews when it involves a bad experience they've had. For a firm to have an A+ rating means that its customers have crossed the line into "raving fans" status.
As one of the largest mortgage lenders, Quicken Loans aims to close a majority of their loans within 30 days. Quicken Loans provides highly advanced online tools that allow you to have a quick and easy experience when it comes to applying for a loan.
The firm's powerful online tools, like MyQL Mobile, allow you to quickly close your loan application. It is available on iPhone and Android devices.
Quicken Loans products:
- Adjustable rate mortgage
- FHA loan
- 30-year fixed mortgage
- VA loan
- 15-year fixed mortgage
- FHA Streamline
- Reverse mortgage
- YOURgage (Choose any loan term from 8 to 30 years and get a fixed rate with a low payment.)
Wells Fargo Home Mortgage Review
Wells Fargo is a well-known, internationally recognized name and is one of the largest mortgage loan providers in the U.S.
Wells Fargo recently upgraded its online platform with advanced loan processing capabilities. Now, you can easily and quickly apply and track your loan application online using Wells Fargo's Home Mortgage platform.
Wells Fargo – Home Mortgage Loans
Wells Fargo has gone further than just simplifying its online loan process; it has enhanced its entire loan origination, processing, and closing process with the help of its yourLoanTracker tool.
Wells Fargo's mortgage loan products include:
- Fixed rate loans
- Adjustable rate mortgage deals
- FHA and VA mortgages
- Jumbo loan options
- Loans for specific needs
- Renovation loans and programs
- New construction loans
- Military mortgage loans
- VAs
- Home Affordable Refinance Programs (HARP)
- Home equity line of credit
Using Wells Fargo's yourLoanTracker:
After you apply, you can use the yourLoanTracker tool to complete important tasks and check your loan's progress – any day or time and from any computer, smartphone or tablet.
If a disaster damages your home, Wells Fargo Home Mortgage will help you move forward with repairs. When you apply for a loan, a home mortgage consultant helps guide you through the whole process.
Support/Mortgage Consultants:
Wells Fargo doesn't just limit itself to providing guidance; it will also stay by your side throughout the entire home-buying process. Your home mortgage consultant will be your central pillar throughout the financing process.
The firm has a wealth of tutorial information posted on its website that enables new and even experienced mortgage seekers to quickly access relevant information. You can compare rates and loan options, calculate your payments, etc.
Get Prequalified with Wells Fargo:
Click below to have a Wells Fargo mortgage consultant get in touch with you to help answer your questions about getting prequalified and also to discuss your home financing needs.
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CitiMortgage Review
CitiMortgage is another top mortgage loan originator that ranks as one of this year's top mortgage lenders.
With CitiMortgage's SureStart mortgage pre-approval, you can focus on finding that perfect home with less focus on the loan approval process itself. This is especially important when you are house hunting. With a SureStart CitiMortgage pre-approval in hand, you can show sellers just how serious you are when you find that perfect home.
Whether you're buying a home or refinancing, you can quickly start your application for a home loan and get a free consultation. CitiMortgage provides an "On-Time Closing Guarantee," in which it guarantees closing your application on time or it'll give you $1,500. This is a highly unique offer since most of the top and largest mortgage lenders do not offer such guarantees.
With Citi's online Mortgage Classroom, you can quickly find important mortgage-related information and answers to your questions. The more you know about the mortgage process, the better prepared you will be. CitiMortgage allows you to create an online profile so that you can easily track your loan application.
After starting your application online, one of the firm's mortgage consultants will contact you for a free assessment of your mortgage needs and options. CitiMortgage actively promotes the government-sponsored Home Affordable Refinance Program (HARP). If you have a current mortgage and are making your mortgage payments on time but are still unable to refinance, then the HARP Program may be an affordable refinance option.
With the HARP Program, existing CitiMortgage clients can refinance to a lower rate, even without any equity.
Sample loan products:
- 10/1 Libor ARM
- 15 year fixed
- 20 year fixed
- 30 year fixed
- 5/1 Libor ARM
- 7/1 Libor ARM
You Might Also Be Interested in:
Bank of America Mortgage Review
Just like Wells Fargo, Bank of America (BofA) is one of the top largest banks and financial institutions in the world. It also ranks as one of this year's largest mortgage lenders.
Similarly to how Citi recently upgraded its online platform, Bank of America has also enhanced its online loan platform so consumers can now easily start their loan applications online and get prequalified or pre-approved.
If you're a Bank of America customer with online banking, you can use your online ID and passcode to auto-fill parts of your prequalification request.
Preferred Rewards clients can get a reduced mortgage origination fee or a special home equity interest rate discount.
BofA's mortgage products include:
- Purchase loans
- Refinance loans
- Cash-out refinance
- Home equity loans
- Fixed-rate mortgages
- Adjustable-rate mortgages
- Jumbo loans
- Affordable housing assistance programs
- FHA & VA loans
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U.S. Bank Mortgage Review
With U.S. Bank's online prequalification process, you can be prequalified in minutes. This lets you quickly see how much you are able to borrow. It's fast, and it won't impact your credit score.
U.S. Bank, another top mortgage lender on our list, offers a wide range of mortgage loans.
US Bank's mortgage products include:
- Conventional fixed-rate loans
- FHA mortgages
- VA loans
- Jumbo loans
- Construction loans
- Investment property loans
- Adjustable-rate mortgages (ARMs)
Other Info:
U.S. Bank provides multiple mortgage calculators that you can use to estimate your monthly payment and find out the home value you can afford.
With U.S. Bank, your credit score is important when it comes to offering you a loan. However, the bank goes out of its way to emphasize that your credit score is only one component of its mortgage application review process.
If you have questions, comments, or tips about this Top 10 Best Mortgage Lenders article, send us an email. Also, follow us on social media to be the first to hear about major economic news stories.
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AdvisoryHQ Team
Note: Some firms (and products)—including the one(s) above—that have been reviewed and ranked by AdvisoryHQ may be affiliates of AdvisoryHQ.
Also note that the above article may include affiliate or other related advertisements.
Click here to view AdvisoryHQ's advertiser and editorial disclosures, which includes a list of our affiliates.


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Private In-Home and Online Statistics Tutoring in Pico Rivera, CA
Receive personally tailored Statistics lessons from exceptional tutors in a one-on-one setting. We help you connect with in-home and online tutoring that offers flexible scheduling and your choice of locations.
Recent Tutoring Session Reviews
"We reviewed solving a system of linear equations with substitution and elimination. We again talked about fractions."
"We went over the student's algebra and English homework and discussed her assignments, then we began to discuss the topics for her take-home science midterm due Friday."
"Graphs Rate of change calculations via graphing Relationship between fractional, decimal and percent quantities Solving problems involving percent changes Approaches to study math"
"Today the student got back a test she took the day before and showed great improvement. Her score went up by 40%. She first worked on her math homework and we reviewed concepts on fractions from the previous session. With some extra time, we reviewed the questions that she answered wrong in her recent exam."
"This is my first session with this student and I used it to get to know him and observe his learning style. We covered coordinate planes, plotting, and quadrants. He excelled on this topic and was eager to complete his work. He struggles with reading and reading comprehension. He will read things that interest him. During our session, we read one chapter of his book with both of us switching off. I noted that he pronounces words sounding out every letter but needs to work on identifying correct sounds with vowel/consonant/vowel patterns. There are a few teaching styles I would like to try to see how to make reading more enjoyable for him."
"The student had homework on a lesson involving the concept of area of parallelograms. We started the session by reviewing the strategies and skills, including modeling examples. She had to first find the area of each given parallelogram. In the second section she had to draw and label parallelograms from given measurements, and then find the area of each. She worked independently, but struggled with problems in the first section. I guided her through the steps of using the formula for finding the area of a parallelogram. She was very responsive to the review and continued to complete the first section. She was also able to complete the rest of the problems assigned. Next she had a topic assessment packet based on inequalities. She had to determine values to make given inequalities true or false. She was able to complete this packet with little guidance."
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subset: commoncrawl


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Limestone is a type of calcareous stone that is made of calcium carbonate. Limestone is common in home décor for counters and floors. It can give your home a luxurious appearance. Caring for it properly will help make it last longer and look better. Never use any acidic cleaner on it, such as lemon juice or white vinegar, as these will etch and pit it. You can use bleach on limestone but should take some precautions.
About Bleach
Bleach is a strong chemical cleaner that will disinfect the limestone surface by removing bacteria, viruses, mold and mildew spores as well as other contaminates. Bleach is effective in cleaning food stains from the surface of limestone kitchen counters as well as scuff marks and dirt stains from limestone floors. For outdoor limestone, bleach is effective in killing and removing algae, mildew, mold and moss.
Bleach is a toxic cleaning solution that can poison you, your children or your pets if they swallow it. Prevent this by storing bleach in an area impossible for them to reach and by keeping children and pets away from the area while you are using the bleach solution. Never mix bleach with ammonia or use the bleach solution on limestone that has recently been cleaned with ammonia as the two can cause a toxic gas if they are mixed.
Using Bleach on Limestone
You must dilute bleach completely so that it doesn't damage your limestone surfaces. To use it, mix 1/2 cup of bleach with 1 gallon of water. Apply the solution to the limestone with a scrubbing brush, cloth or sponge. Scrub until the stains are gone and the limestone appears clean. Rinse the limestone completely with clear water, and dry it with a clean cloth.
You can use ammonia to clean limestone surfaces. Ammonia is toxic, but it is not as toxic as bleach. To use it, mix 1/2 cup of ammonia with 1 gallon of warm water. Scrub the ammonia solution into the limestone until it is completely clean. You can also use a household detergent or a detergent that was designed specifically for use on limestone surfaces.
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Miraculous Ladybug and Cat Noir are madly in love. The handsome boy decided to propose to his girlfriend, but he needs your help. Join the adorable superhero couple in this cute game and set the mood for the wedding proposal. You need to decorate the dinner table with candles and flowers. Then, you can make the couple flirt, send kisses to each other through the air or do other romantic gestures. Make sure Ladybug falls even more in love with her boyfriend. Then, Cat Noir will propose! Play the whole game, so you won't miss out on this special moment!
Author: sisigames Tags: ladybug, cat noir, wedding, proposal, decorating, flirt, kiss, romantic, love,


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Whole30, that is.
I've not quite relayed that exact message to the family but they certainly know something is up.
Saturday, I woke up at 6am, STARVING, but no where near ready to wake up ... so I grabbed a Honey Crisp Apple and sat in the guest room watching the sky change colors ... Kitten was sweet enough to join me while I chomped away on the apple. Just for the record, cats don't care for apples ;-)
So after the apple and a glass of water, I went back to bed ... it's been a rough week. FINALLY rolled out of bed around 10:30 or so and made myself some real breakfast. But man, the headache I had ... which continued all through the day and night ... even with Advil and tons of water. I'm thinking it's the coffee/cream/sugar/beer withdrawal. Seriously, so bad, I could only hang out with the kids poolside for about 45 minutes, as much as I wanted to get some sun that day ... oh well.
So ... without the family KNOWING exactly whats going on (it's a mute point since I prepare 90% of the meals), here's what I'm aiming for:
Sunday - sliders - picked up at WF Friday, grass fed ... served them over sweet potato rounds (Aldis) with some sliced avocado (Aldis) and Roma tomatoes (Aldis). I offered up a little salad on the side too and yes, the lettuce was from Aldis as well! I need to do a post on the sweet potatoes as they were pretty tasty! FYI ... Hubby used buns as he's not quite on this kick yet.
Monday - 4 Way Chili ... chili was made on Friday night and I'm excited for this meal! Fingers crossed the day isn't as bad as it looks at this time!
I will skip the cheese this time and probably add some sliced avocado
Tuesday - Smokey Crock of Pork ... I'm offering up over cabbage, not quite coleslaw and for those who insist, bbq sauce and buns
Wednesday - Fingers crossed that all is going well as I want to make some Chinese this night ... General Tso and a new to me recipe, Un-Rolled Egg Rolls ... if all goes well, I'll share!
Thursday - changing things up this week as the Boy wants to make something special for his girl, so it's Taco Thursday ....
Friday - Chicago Style Hot Dogs ... I have a new technique that I want to try for myself ;-) ... I'll keep you posted! Obviously, mine will not have a bun or that funky green relish ;-(
Saturday - Hubby's choice, but will steer him towards some of the Tbones steaks in the freezer!
What are you cooking this week? And ... I gotta ask, have any of you done this Whole30 before and if so, how did it go? I'm on Day 4 and uhm, finally, at 6pm, the headache and stomach ache has gone away ... quite certain it was from insufficient food intake the past few days as I fell asleep last night before dinner was ready (Hubby was making chops on the grill) and then I slept for 2 hours this afternoon ... WTF??
Looking forward to sharing over at Organized Junkie's Menu Plan Monday ... go check it out!


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Amy Hn Figurine
Save 25%. Was £110, Guide price: £80
Last updated on 27th Jun 2012
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Amy Hn Figurine
This Amy HN figurine from Royal Doulton comes from the popular Pretty Ladies range of collectable figures, begun in 1913. These renowned figurines are hand-painted and hand decorated, and made from delicate fine china. This sophisticated figure is dressed in a patterned blue dress and carries a peach umbrella.
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text: You Just Don't Understand Women Possessed by Alien WitchesAnnalee Newitz12/03/07 10:30amFiled to: Flash Gordon RecapClipssci fashionScience FictionTelevision0EditPromoteShare to KinjaToggle Conversation toolsGo to permalink So I am always having this problem where I use a rift generator to visit Mongo, and when I'm there witches try to steal my body because I'm so hot. I always wiggle out of it but Dale wasn't so lucky in Friday night's episode. Flash's former flame gets possessed by an alien witch who basically just wants to dress up in pink outfits and shiny ankle boots. The plot unfurls from there like a loosely-packed roll of toilet paper. Advertisement Dale is possessed! We have to save her! But we also have to save somebody else! OMG, the nerdy Zarkov is rolling on drugged tea and that's so wacky! Luckily, the hardcore assassin Baylin of Mongo was there to remind us that lurking somewhere under the pink froo-froos and the goofy acting and the 1940s plot lines there lies another show — perhaps in an alternate dimension — that is funny and playfully subversive. I just love her deadpan delivery in this clip. After Dale vamps and Flash himboes it up with his "Gee isn't Dale acting funny?" routine, her dry response is perfect: "I do not understand women." Oh Baylin, we'd help you understand if you'd only give us half a chance!ReplyLeave a reply


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Pavement work starts on Jeronimo
MISSION VIEJO – Pavement and resurfacing work on Jeronimo Road from Los Alisos Boulevard to Arbolitos began Monday and is expected to continue until the end of July.
One lane each way will be closed 9 a.m.-3 p.m. daily as workers remove and replace asphalt and concrete, Director of Public Works Mark Chagnon said.
The upgrades will cost $1.5 million, he said.
"We will be placing about 10 electronic message boards throughout the project, notifying motorists of the heavier work to begin June 27," Chagnon said, adding motorists should use alternate routes when lanes are closed.
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text: We visit Outback very regularly in BR. being residents it's a fun place to meet other locals (at the bar). Staff switch roles a lot which I like so we know several of the staff from hanging out at the bar. My wife and I are trying to balance dieting with going out and Outback has a couple of great... More


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£450 pcm Available Now
Available From:- 04.04.2016 Unfurnished Accommodation:- Newly decorated first floor flat in a well maintained block, in a well established residential area. Close to town centre and local amenities. The property consists of 2 Double Bedrooms, Lounge, Fitted Kitchen with cooker and Bathroom with shower over bath. The property also benefits from Double Glazing, GCH and a shared drying green to the rear. Must be viewed to appreciate. No Pets or DSS. Rent:- £450.00 Depost:- £500.00 Council Tax Band:- A EPC Rating:- C Landlord Registration Number:- 463102/120/01021
This house description is based upon information supplied by the owner, or on behalf of the owner. These property particulars are produced in good faith and do not constitute or form part of any contract. s1homes do not take any responsibility to the accuracy of the information contained in this document.


text:
Pioneer Foods (Pty) Limited
Preserved, dried and cooked fruits and vegetables and foods of all kinds in the class made from the aforegoing; nuts; jellies, jams, chutneys, preserves, fruit sauces, glace fruit, crystallised fruit; eggs, milk and milk products; cheese products; edible oils and fats; prepared meals; snack foods of all kinds in the class
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Words that describe this mark
This is a brand page for the SAFARI trademark by Pioneer Foods (Pty) Limited
in Tygervalley, Belville, , 7535.
Write a review about a product or service associated with this SAFARI trademark.
Or, contact the owner Pioneer Foods (Pty) Limited of the SAFARI trademark by filing a request to communicate with
the Legal Correspondent for licensing, use, and/or questions related to the SAFARI trademark.
On Thursday, August 11, 2016, a U.S. federal trademark registration was filed for
SAFARI by
Pioneer Foods (Pty) Limited, Tygervalley, Belville 7535.
The USPTO has given the SAFARI
trademark serial number of 87134712.
The current federal status of this trademark filing is NON-FINAL OFFICE ACTION ISSUED - CLARIFICATION NEEDED.
The correspondent listed for SAFARI is
PATRICK J. JENNINGS of
The SAFARI trademark is filed in the category of
Meats and Processed Food Products
The description provided to the USPTO for SAFARI
is Preserved, dried and cooked fruits and vegetables and foods of all kinds in the class made from the aforegoing; nuts; jellies, jams, chutneys, preserves, fruit sauces, glace fruit, crystallised fruit; eggs, milk and milk products; cheese products; edible oils and fats; prepared meals; snack foods of all kinds in the class.
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text:
US: Charming Shoppes Q1 profit declines 31.7%
Plus-size apparel specialist Charming Shoppes saw its first-quarter net profit fall 31.7% on the back of higher product costs.
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text:
Capture Her Heart
Becoming the Godly Husband Your Wife Desires
By (author) Lysa TerKeurst
Format: Paperback / softback
Normal Price: $19.01
Your Price: $17.11 AUD, inc. GST
Shipping: $7.95 per order
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Capture Her Heart by Lysa TerKeurst
Book DescriptionA truly fulfilling marriage involves two people focusing on each others' needs rather than their own. Lysa TerKeurst, president of The Proverbs 31 Ministry, has written a practical guide for each spouse that will open their eyes to the needs, desires, and longings of the other. She offers eight essential criteria for capturing the heart of your spouse, with creative tips on how to accomplish them. Having a great marriage takes time, creativity, and willingness. "Capture His Heart" and "Capture Her Heart" are excellent tools to help spouses run this very worthwhile race. Wives Need Their Husbands To: 1. Be the Spiritual Leader of the Home2. Be Their Teammate in Raising Kids and Taking Care of the Home3. Treat Them as a Princess4. Listen5. Allow Her Time with Friends6. Encourage Her with Appreciation, Affirmation, and Admiration 7. Provide Emotional Fulfillment Before Sexual Desires8. Learn What Makes Women Different from Men
Buy Capture Her Heart book by Lysa TerKeurst from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780802440419
(165mm x 127mm x 10mm)
Pages: 160
Imprint: Moody Press,U.S.
Publisher: Moody Press,U.S.
Country of Publication: United States
Books By Author Lysa TerKeurst
Uninvited Study Guide, Paperback (September 2016)
In this six-session video Bible study bestselling author Lysa TerKeurst helps women to explore the roots of rejection; the lies we believe as a result; and the truth about who God is, who we are, and what it looks like to live loved.
Uninvited, Paperback (September 2016)
New York Times bestselling author Lysa TerKeurst leans into the deeply personal topic of rejection and takes readers on a journey to explore its roots; the lies we believe as a result; and the truth about who God is, who we are, and what it looks like to live loved.
Win or Lose, I Love You!, Hardback (October 2015)
Every child experiences the highs of winning and the lows of losing, and both scenarios can be tricky for parents and children to navigate. Win or Lose, I Love You! will show your child that no matter what, their value is tied to who they are, not how they play!
It Will be Okay, Hardback (October 2014)» View all books by Lysa TerKeurst
In the end, it will be okay because God is always with us. Whether we like it or not, growing up brings change. For many children, this conjures fears that are sometimes real and sometimes imagined. How can kids learn that even when they face new and unfamiliar situations, they don't have to be afraid?
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Author Biography - Lysa TerKeurst
LYSA TERKEURST is the "New York Times" bestselling author of "The Best Yes," "Unglued," and "Made to Crave." She is president of Proverbs 31 Ministries and writes from her sticky farm table in North Carolina where she lives with her husband, Art, five kids, three dogs, and a mouse that refuses to leave her kitchen. Connect with her at www.LysaTerKeurst.com.
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text:
Pandemic: The Board Game
By Asmodee Digital
Open iTunes to buy and download apps.
As skilled members of a disease-fighting team, you must keep four deadly diseases at bay while discovering their cures. Travel the world, treat infections, and find cures.
You must work as a team to succeed. The clock is ticking as outbreaks and epidemics fuel the spreading plagues. Can you find all four cures in time? The fate of humanity is in your hands!
Pandemic: The Board Game is a family-friendly cooperative game. Simple to understand and lots of fun, Pandemic: The Board Game puts you in an apocalyptic situation where you must work as a team to save the world.
*How to play
In Pandemic: The Board Game each player has a unique role with different abilities. On a turn, players will have four actions in order to cure diseases and save the world. They can remove disease cubes from the board; fly to a city in need; trade cards with fellow players; and much more.
At the end of every player's turn, new cities are infected with disease cubes and Epidemics may arise. You must fight to prevent the outbreaks before they spin out of control.
In Pandemic: The Board Game, there is only one way to win: cure all four diseases before you run out of time!
An award-wining board game and player favorite since its release in 2008, Pandemic: The Board Game is now available as a Universal iOS app.
-7 role cards with unique abilities
-Supports games for 2, 3, or 4 players, but can be played solo if you play multiple roles
-Pass-and-play multiplayer (2-4)
-Three difficulty settings make the game suitable for beginners, intermediate players, and experts
-Fully guided interactive tutorial; plus "Info Mode" for in-game reminders of the rules
-Full rulebook included for easy access and detailed reference at all times
-Animated interface gives clear indication of the game's progress and hotspots
-"Undo" system
-Adaptive soundtrack
-Complete implementation of the board game suitable for expert play
-Interface designed and tested for ease-of-use
-Supports landscape or portrait orientations (iPad only)
-Supports multitasking
-On the Brink expansion content available as in-app purchase
-6 new roles and 8 new events
-Play with 5 players
-Legendary difficulty setting for players with a deathwish
-2 events in player deck per player
You can follow us on Facebook, Twitter, Instagram and You Tube!
Facebook: https://www.facebook.com/asmodeedigital/
Twitter: https://twitter.com/asmodeedigital
Instagram: https://www.instagram.com/asmodeedigital/
You Tube: https://www.youtube.com/asmodeedigital
We want to know what you think. Please send your feedback, ideas, and comments about the Pandemic: The Board Game app to: email@example.com
*Find Pandemic: The Board Game on Facebook at: https://www.facebook.com/PandemicTheBoardGame
What's New in Version 1.2.5
- Fixed a bug with the app startup on iOS 10.0.1 or higher.
Customer Reviews
Amazing game. Amazing app.
First off, if you've played Pandemic, rest assured that this game TOTALLY lives up to the board game in every way.
If you've played other board games in digital form, you know how terrible they can be. This very well could be the BEST port of a board game to digital format. This game totally feels like it was made just for touchscreen. Everything is right there, accessible and clear. Actually, it's one of the best designed games on iOS I've ever seen, period. I haven't seen any bugs whatsoever.
If you haven't played Pandemic, you owe it to yourself first of all to play the best board game ever made with a group of friends on the tabletop. But when you're alone and itching for a turn based board game experience, it won't get any better than this.
Great but very hard to win!
The game itself is fantastic but it is super hard (help!) even at the most basic level... so that is really my only suggestion: Create an easier level otherwise a lot people just quit out of frustration (and rage!).
Probably the best app game I have purchased , I bought it after playing the board game - have not won yet . . . And I still like and enjoy the challenge. Two weeks later *update* still have not beaten game - it is getting frustrating!
- $6.99
- Category: Games
- Updated: Oct 03, 2016
- Version: 1.2.5
- Size: 73.0 MB
- Languages: English, Chinese, Czech, Danish, Dutch, French, German, Greek, Hungarian, Icelandic, Italian, Japanese, Korean, Polish, Portuguese, Russian, Spanish
- Seller: Asmodee Digital
- © 2016 F2Z Entertainment Inc.
Compatibility: Requires iOS 7.1 or later. Compatible with iPhone, iPad, and iPod touch.
Top In-App Purchases
- On the Brink: Roles and Events$1.99
- On the Brink: Virulent Strain$1.99


text:
In a recent stay at the Westin Alexandria in April 2013, I found the concierge service provided by Ron to be outstanding! Ron was extremely knowledgeable about area restaurants. Once he identified the type of restaurant I enjoy, he secured a reservation with view out the window and first class service. He went above and beyond the call of duty to be courteous and helpful, which made my business stay a pleasant experience.
- Official Description (provided by the hotel):
- The Westin Alexandria blends sophistication and elegance with the historic surroundings of Alexandria. Located in Old Town Alexandria, our hotel is an oasis of personal, instinctive comfort. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Expedia, Hotels.com, Booking.com, Starwood and Jetsetter so you can book your The Westin Alexandria reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Westin Alexandria Hotel Alexandria
- Alexandria Westin


text:
Synagogue In Jericho Tests Peace
By JOEL GREENBERG,
Published: May 22, 1994
JERICHO, West Bank, May 21— Guarded by Palestinian policemen and visited daily by armed Jewish settlers, an ancient synagogue in Jericho has become a fragile testing ground for Israel's agreement with the P.L.O. on Palestinian self-rule.
Since it became a Jewish island under Palestinian control, the synagogue has emerged as a potential flash point of Jewish-Arab tension in an area that has been otherwise calm since the entry of the Palestinian police on May 13. With reinforcements that arrived on Wednesday, the police force in Jericho is now about 700 strong.
The seventh-century synagogue is called Shalom Al Yisrael, or Peace Upon Israel, a name taken from an inscription in its mosaic floor. But it was not a particularly peaceful place this week. Instead, it became an arena in which Israeli settlers and the Palestinian police jockeyed for control of the site in what sometimes became a stubborn test of wills. Parallels to Hebron
The disputes are reminiscent of confrontations between Jewish and Muslim worshipers at the Cave of the Patriarchs in Hebron, where quarrels over matters like the times and places of each religion's prayer exploded on Feb. 25 when an Israeli settler killed at least 29 Muslims.
Unlike the Hebron shrine, the Jericho synagogue is not holy to both faiths. It is also being watched by joint Palestinian-Israeli patrols, while in Hebron the Israeli Army has exclusive security control.
In the days before they withdrew from the town, Israeli soldiers evicted scores of Israeli settlers and their supporters who had converged on the synagogue in an attempt to stop Palestinian self-rule. Now that the changeover has taken place, the settlers seem intent on defying the new Palestinian authorities.
The settlers cite the self-rule agreement between Israel and the Palestine Liberation Organization in Cairo, which says that though the synagogue is under Palestinian control, religious affairs there will remain in Israeli hands. Armed for Prayer
Groups of 20 to 30 settlers and supporters arrive at the synagogue every morning for daylong sessions of study and prayer, brushing by the Palestinian policemen in silence.
"As far as we're concerned, they don't exist," said Rabbi Mordecai Rabinovich, the head of a yeshiva that has been operating there for about two years. "We do not recogize the authority of Arab soldiers over us."
The settlers come armed, despite the objections of the policemen and in defiance of Jericho's police commander, Maj. Gen. Hajj Ismail, who has said they cannot enter with their automatic rifles.
The chief Palestinian commander for Jericho and the Gaza Strip, Maj. Gen. Nasser Yussuf, visited the synagogue on Thursday and repeated the prohibition. "The Cairo agreement does not permit visiting this place with weapons," he said. "Security here is our responsibility, and we will protect all visitors to this place." A Lack of Trust
The settlers say the Israeli Army has permitted them to take guns for self-defense, and they assert that they will not entrust their security to the P.L.O. fighters who have now become policemen.
"This is the Palestine Liberation Army, these are terrorists," said Ilan Tor, a settler from Qiryat Arba, near Hebron. "Putting our lives in their hands is stupid."
There have been other disputes. On Wednesday, settlers raised an Israeli flag over the synagogue, drawing protests from the Palestinian guards. Israeli border policemen on the joint patrol removed it.
The settlers also complained that the Palestinians had broken into a room under their study hall, slept there and desecrated religious articles. The guards denied causing any damage.
An Israeli-Palestinian security committee met in Jericho Thursday to discuss the problems at the synagogue, but without apparent results.
"The provocations are continuing," said Capt. Lutfi Hassan, who commands the guard detail at the synagogue. And Saeb Erakat, a Jericho resident named to the Palestinian self-governing authority, warned, "If the settlers continue acting the way they are now, it could end up in a disaster."
Photo: An Israeli settler, armed with an M16, walks past a Palestinian guard as he leaves the synagogue in Jericho. (Rina Castelnuovo for The New York Times)


text:
Moore. Cawthorne. Collins. Dyer. Shenstone. Mallet. Akenside. Gray. Littleton. Gay
Samuel Johnson
A. Miller, 1800 - English poetry
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Amyntor beauty beneath blifs bloom boaft bofom bread breaft breath charms dear delight divine dreft ECLOGUE erft ev'n ev'ry FABLE facred fafe faid fair fame fancy fate fcene fcorn fear fecn feen fenfe fhall fide figh fire firft flame flowers fmile foft fome fong fons foul fpirit fpread fpring ftill fuch fwain fweet fwell genius grace grove guife hades hall hand hear heart heaven hill honour hour juft laft lefs loft lov'd LYCIDAS lyre maid mind Mufe muft Naiads ne'er numbers nymph o'er paflion pain plain pleafe pleafure pomp pow'r praife pride proud rage raife rapture reafon reft rife rofe round tear thee thefe thine thofe thou tlie toil tongue truth Twas vale vex'd virtue voice Weft whofe wife wiih wild wind youth
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Page 281 - This pencil take (she said) whose colours clear Richly paint the vernal year : Thine, too, these golden keys, immortal Boy ! This can unlock the gates of Joy ; Of Horror that, and thrilling Fears, Or ope the sacred source of sympathetic Tears.
Page 278 - Elegy written in a Country Churchyard The curfew tolls the knell of parting day, The lowing herd wind slowly o'er the lea, The ploughman homeward plods his weary way, And leaves the world to darkness and to me.
Page 50 - Ye mute companions of my toils, that bear In all my griefs a more than equal...
Page 278 - The breezy call of incense-breathing morn, The swallow twittering from the straw-built shed, The cock's shrill clarion, or the echoing horn, No more shall rouse them from their lowly bed. For them no more the blazing hearth shall burn, Or busy housewife ply her evening care; No children run to lisp their sire's return, Or climb his knees the envied kiss to share.
Page 65 - Gaudy as the opening dawn, Lies a long and level lawn, On which a dark hill, steep and high, Holds and charms the wandering eye!
Page 276 - Where'er the oak's thick branches stretch A broader, browner shade, Where'er the rude and moss-grown beech O'er-canopies the glade, Beside some water's rushy brink With me the Muse shall sit, and think (At ease...
Page 62 - twas wild. But thou, O Hope ! with eyes so fair, What was thy delighted measure? Still it whisper'd promis'd pleasure, And bade the lovely scenes at distance hail. Still would her touch...
Page 173 - Low lays the house which that of cards doth build, Shall Dennis be ! if rigid fate incline, And many an epic to his rage shall yield; And many a poet quit th...
Page 102 - If the Author has hazarded, throughout, the use of English or modern allusions, he hopes it will not be imputed to an entire ignorance, or to the least disesteem of the ancient learning. He has kept the ancient plan and method in his eye, though he builds his edifice with the materials of his own nation.
Page 44 - Fresh to that soil thou turn'st, whose ev'ry vale Shall prompt the poet, and his song demand: To thee thy copious subjects ne'er shall fail; Thou need'st but take the pencil to thy hand, And paint what all believe who own thy genial land.