With a credit score of 620 or higher, you may qualify for ARMs as well. To apply, you first need a loan pre-approval. Benzinga Money is a reader-supported publication. For consumer service, stateside reps are available 24/7 at 888-842-6328 and internationally at 1-703-255-8837. The large supply of lenders on LendingTree provides the borrower with more choices to compare. The company seeks to empower its customers with choice, education, and support through their website services. The information collected is NOT an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. You can use a VA loan to purchase a home or refinance a mortgage you already have. Opinions expressed here are solely the author’s and have not been reviewed, approved or otherwise endorsed by reviewers. To qualify for a VA loan, you must be a current or former American service member or an eligible surviving spouse. The best mortgage lender for most people is definitely Rocket Mortgage® by Quicken Loans®. For your first VA loan, you'll pay a 2.3% funding fee. Rocket Mortgage® boasts rave reviews from its customers. While sellers engaged with buyers who bring a non-VA loan to the purchase can negotiate the repair costs of these types of items, the VA program requires these items to be fixed before they will give the lender the approval to back the lender’s mortgage loan to the borrower. Check out our top picks and determine which home loan company is right for you. Disclaimer: Benzinga is not a banker or lender (Information Provider). The Veterans Administration does not underwrite the loan; it provides a guarantee to the lenders who offer the loan program. PenFed has an autopay process, but it does not come with a discount. You cannot see rates without doing LendingTree's survey and soliciting offers. Want to jump straight to the answer? Compare our picks for best VA mortgage lenders of 2020. Advertiser Disclosure: Comparing rates from three, 4 or more loan providers helps ensure you're getting competitive offers on a new home loan or a refinance. Customer care can be reached at 800-813-4620 or you can start the process online. You can also contact NFCU by secure message, website chat, social media, and in person. Take advantage of its helpful educational materials as well. Veterans United won best overall for VA loan rates because this lender specializes in VA loans, veterans are their primary clients, and they have many loan program options. VA Loans do not require a down payment, interest rates are generally lower than conventional mortgages, and there is no Private Mortgage Insurance (PMI) requirement. Home Borrow Loans Home Loans Advertiser Disclosure Best VA Loan Lenders of 2020. They have no-down-payment programs and programs tailored for first-time homebuyers. First, you need to fill out an application and submit it to the lender of your choice. After you have your COE, gather the rest of your financial documents. Are you looking to buy your first home? Like other lenders, once you are pre-qualified you will apply for your Certificate of Eligibility online. The VA has what are called “minimum property requirements.” These include non-negotiable items like construction defects, termite infestation, leaks, decay, dampness, and continuing settlement in or near the foundation. You can apply for a VA loan more than once, but the funding fee increases when using a VA loan after your first time. Depending on how much a person is asking for in a loan, the loan rates do vary. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR INQUIRY. Want a fast, convenient way to get a mortgage? When you purchase discount points, you are essentially paying interest upfront to receive a lower rate over the life of the loan. The key benefits of the program are no down payment requirement, no PMI requirement, and no prepayment penalties, with a VA funding fee taking the place of the PMI. If you need help, you can chat with mortgage specialists via the website or talk to them by phone. Significant benefits include reduced credit score requirements, no private mortgage insurance, no down payment requirement, and competitive rates. For the application you need 2 previous years of tax returns including your W-2’s, your pay stub for past month, 2 months worth of bank statements and the lender will run your credit report. In addition to a 30-year fixed, PenFed also underwrites a 15-year fixed program. USAA’s VA loan products include a fixed-rate 30-year purchase loan with rates starting at 3.0%, a jumbo fixed-rate purchase loan at 4.625%, and a VA refinance option: the VA interest rate reduction refinance loan (IRRRL) at 3.125%. NFCU is a member-owned, not-for-profit credit union founded in 1933 and federally insured by NCUA. LendingTree is the best for VA adjustable-rate mortgage (ARM) loans because it will provide you with more options to compare rates and terms across several lenders. The VA can confirm your eligibility and provide you with a Certificate of Eligibility if you meet the requirements. Ideally, you want a price that's at least equivalent to, or even better below, the existing average price for the loan product you're interested in. You can use Rocket Mortgage® to get approved, ask questions about your mortgage, manage your payments and more. The benefits of a VA loan are the same no matter which lender you choose. Product Offerings. You can work at your own pace and someone is always there to answer your questions — 24 hours a day, 7 days a week. Melinda Sineriz. The 15-year rate is currently 2.750%. Plus you can now borrow up to $453,100 with $0 down. Consumers can get service through the online Pre-Approval or Call Back forms, or by calling 800-970-7766. VA loans don't require a down payment or mortgage insurance. There is no cost to submit a request, get matched with Service Providers and receive information or potential loan offers. Credit limits are not set by the U.S. Department of Veteran Affairs. Once your loan is set up, you can choose to use their automatic payment option, however, there is no further discount incentive for using autopay. *Average rates assume 0% down and a 740 credit score. Check out the. You can find 5-year, 7-year, and 10-year ARMs. Borrowers have the option to buy down their interest rate by purchasing discount points. Working with a lender through LendingTree means you’ll be working with a company that has some technology savvy. Our guide to the best mortgage companies that offer jumbo loans will make it a little easier to move into the home of your dreams. Quicken Loans offers fixed rate, 30, 20 and 15-year loans, as well as the 5/1 adjustable-rate mortgage for VA loans. Insurance products like home, auto, health, life, Personalized service for the jumbo loan process. The 2019 Blue Water Navy Vietnam Veterans Act repealed loan limits on VA loan. Listings are updated continuously so you won't miss out on homes that just hit the market. We evaluated 10 well-known U.S. Department of Veterans Affairs (VA) mortgage lenders, and after an in-depth review found four of the top options.We analyzed consumer reviews, government data and industry insights during our evaluation, and five lenders stood out from the competition: NBKC, Bank of America, New American Funding, Veterans First Mortgage and Guaranteed Rate. The NFCU Homesquad offers professional step-by-step guidance and advice to keep you on track as you work through the loan pre-approval, certificate of eligibility, appraisal, and your credit and income history analysis. Most lenders will recommend that you save at least 20% of the cost of the home for a down payment. You will need a certificate of eligibility (COE) which you can obtain from the VA website, or your lender can assist you with this. Veterans United won best overall because they were founded for veterans and service members and they continue to be solely focused on this consumer category. That means the servicing on your loan is unlikely to be sold to another company, as is usually the case with most mortgage lenders. 2020 Update: What are VA loan limits in 2020? 3) Q: How much should I save for a down payment? Are you self-employed and looking for the best mortgage lender? After you’re preapproved, look for a home. Must be a member by opening a savings account. Here are the details on eligibility: If you are uncertain of whether you meet the eligibility requirements, contact the VA. We reviewed 18 lenders to arrive at the best loan rates and terms for VA loan programs. Veterans United Realty is a nationwide network of Veteran-friendly real estate agents. Interest is generally the biggest cost of any mortgage, so shopping around for the best rates can be very beneficial. But if you're able to make a down payment of … … We may earn a commission when you click on links in this article. As of January 1, 2020, there are no longer loan limits for VA loans. When you add these costs, the loan with the lowest interest rate might not be the best VA home loan overall. If you have been paying off your mortgage for a few years and have built up a good level of equity, you can tap into that equity to receive cash. You then have a choice to either complete a form so that a loan officer can call you back to discuss your options or you can complete their online Pre-Approval form. Navy Federal Credit Union (NFCU) has our best 15-year fixed VA loan rate program because the current rate is only 2.25%, among the lowest of any lender. Finish your application, and once your lender has formally approved your application, you’ll be ready to close and get your keys. Started in 1996 with the goal of making comparison shopping for loans easy, they put the rates online to make banks compete. The Service Provider you choose may require a fee to process your request, but you may stop the process before incurring a fee. VA loan rates originate from the lending company and are based on internal standards, which means that the best VA loan rates can vary from company to company. See our full loan VA rate assumptions here. Methodology: To determine the best mortgage lenders, Benzinga analyzed over 100 mortgage lenders and brokers. Leading Service Providers who participate with this website may have loan products that match your criteria. VA loan rates are updated daily. Financial assistance and resources are available to service members, veterans, and Wounded Warriors who need continuing treatment or financial assistance in buying or keeping their homes. Usually rates only change with a 20+ point change in your credit score. Navy Federal Credit Union is one of the top 5 VA lenders in the country. If you already have a VA loan, a VA streamline refinance might be the easiest way to lower your interest rate--and save money and time. Veterans United has an easy-to-navigate website. USAA also has non-VA loan options. Once the application is submitted and processed it takes anywhere from 2-7 days to be approved or denied. Conclusion – Top 6 Best VA Loan Calculators. Customer service is available through online chat, mobile app, and by telephone at 800-531-USAA (8722). We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. If you are looking to refinance you can get started quickly here. You must also use the loan for a primary residence. These independent partners specialize in the VA loan process, so the real estate agent and bank are in sync throughout your entire home-buying experience. Article Sources. See the best mortgage lenders for first time home buyers including current mortgage rates and more. USAA is an organization that offers military members and their families a comprehensive range of financial products and services that are competitively priced. In the event that you are unable to save 20% there are several home buyer programs and assistance, especially for first time buyers. Choose a lender for preapproval. Its loan officers will help you choose the best loan for your needs, whether it’s a VA loan or something else. Not everyone has perfect credit. Company listings on this page DO NOT imply endorsement. You begin the process by clicking their Start Online button. Best VA Loan Rates for 600 - 620 Credit Score. VA Loan Rates. Ready to find the best jumbo loan for your needs? The VA funding fee is a one-time charge that you pay when you get a VA-guaranteed mortgage to purchase or refinance your home. On Thursday, December 17, 2020, according to Bankrate’s latest survey of the nation’s largest mortgage lenders, the average 30-year VA refinance rate is 2.980% with an APR of 3.210%. One can use a VA loan to purchase or build a home, improve and repair a home, or to refinance a mortgage. The PenFed Foundation is a nationally recognized 501(c)(3) nonprofit. Current VA loan interest rates range from 2.25% for a 30-Year Fixed to 2.75% for their 30-Year VA Cash-Out Jumbo program. PenFed Credit Union earned our top spot for best 30-year fixed because its current rate is 2.14% with no points, carries no lender fees, provides 24/7 account access online, has discounts for members, and serves members in global locations. Then you need to obtain your COE (certificate of eligibility) from your lender or on your own. Navy Federal Credit Union: Best 15-Year Fixed. Look at APRs to get a true apples-to-apples cost comparison. With relaxed requirements, no mortgage insurance, and competitive rates, the popularity of VA loans will likely remain. When you’ve found a home, choose a lender that provides a good rate and excellent service. For example, a score from 600-620 will qualify for the same rate, but a score from 621 to 640 will put you at a lower interest rate. What are the best VA loan lenders in 2020? Who pays this website’s bills? Once the application is submitted and processed it takes anywhere from 2-7 days to be approved or denied. You can’t use it to buy a vacation home. The VA guarantees many types of mortgages. In many cases, you’ll have the option to roll the VA funding fee into your loan. Learn more about how we review products and read our advertiser disclosure for how we make money. Give Rocket Mortgage® a try. For subsequent applications, you're looking at a 3.6% fee. Borrowers will need a score of 620 or higher to qualify and a down payment of at least 3%. One way it does that is by offering affordable mortgages to our veterans. Therefore, we chose LendingTree as the best source for finding a competitive ARM loan because you fill out a single application and many lenders will see your application and offer their best terms. Although you can’t complete an application online, you can get an initial quote. Closing costs can add up as well, so you’ll want to consider that. You can complete the mortgage process entirely online with Rocket Mortgage®. With a score of 580–619, you may qualify for a fixed-rate mortgage. VA loans are a valuable tool that veterans and service members can use to purchase homes with little to no down payment, no private mortgage insurance (PMI), and very competitive rates. Lenders must consider: Lenders also look at the property you’re planning to purchase. VA loans are a great option for military members. Of course, any interest rate, whether for a VA IRRRL or any other loan, depends on the market conditions. The Balance requires writers to use primary sources to support their work. If you are looking to refinance you can get started quickly, Most lenders will recommend that you save at least 20% of the cost of the home for a down payment. NFCU’s exclusive Home Squad and Realty Plus programs assist you with your loan, finding a real estate agent, title services, and loan services through the life of the loan. Veterans United closed more VA loans than any other lender in 2016, 2017, 2018, and 2019. Consumers can get service online or by phone from one of their 24/7 operators at 800-884-5560. There are, after all, a wide variety of lenders to consider, and each lender offers its own rates and has its own lending requirements. What is a conventional mortgage and is it a good fit for you? Plan on four to six weeks for the entire process. If you’re a first time home buyer, it’s best to work with a lender with a variety of mortgage options. These include white papers, government data, … The most common types are: Lenders may offer VA loans as fixed-rate mortgages, ARMs or both. Current active duty military service members, veterans, spouses of veterans who died in service or from a service-connected disability and have not remarried, spouses of service members who are missing in action or are prisoners of war, and surviving spouses receiving Dependency and Indemnity Compensation all can qualify for a VA loan. USAA lends nationwide to veteran borrowers seeking a jumbo home loan all the way up to $3 million without needing to pay private mortgage insurance, and wrapping the VA funding fee into the loan. Many service members can get their COEs through the eBenefits portal. Regardless of which lender you choose on LendingTree, the loan process for a VA loan will require an eligibility certification; evaluation of the borrower’s credit, income, and debt situation; plus an appraisal and home inspection. Different lenders will be willing to work with different credit scores. Affordability: The best thing about VA refinance loans is their affordability. The inspector will look at the home's structural integrity, plumbing and electric systems, HVAC, roof, attic and crawl spaces, wood-destroying insects, fungus and dry rot, radon gas, and if applicable, the well and septic systems. VA cash-out refinance loan: A VA cash-out refinance loan is a refinancing agreement that is best suited to those who wish to unlock some of their home’s equity rather than get a better rate. Rocket Mortgage® makes it easy to get a mortgage — you just tell the company about yourself, your home, your finances and Rocket Mortgage® gives you real interest rates and numbers. Pros of VA loans. Credit score minimum requirements differ slightly from lender to lender, with most settling on 620 as their accepted minimum. To service your loan, USAA offers an autopay process, however, there are no discounts for using the program. The first step to getting a VA loan is getting your Certificate of Eligibility (COE). Many current service members and veterans are eligible for a VA loan. You may review the information from the Service Providers and talk to them at your own discretion. You’ll find auto payment options for your mortgage, but don’t expect a discount for using it. How Rates are Affected with VA. One of the biggest benefits of a VA Loan is the interest rate advantage a VA borrower has in the market. You fill out one application and lenders compete, No place to preview rates and terms; must fill out the form. The CARES Act created options for VA loan borrowers to avoid foreclosures, such as delayed and partial payments called “forbearance.” You can request a forbearance for up to 180 days without paying late fees or other penalties if you were affected financially by the COVID-19 pandemic. The typical funding fee ranges from 0.50% to 3.60% of the loan amount. Here are the primary features of a VA loan: Private lenders offer VA loans. The Coronavirus Aid, Relief, and Economic Security (CARES) Act, was signed into law on March 27, 2020, to help Americans economically impacted by COVID-19. Finally, rates and terms are locked in, and PenFed works with you to select a title company, most likely PenFed Title, LLC, and they schedule your closing to transfer ownership. A VA loan is backed by the government and is open to active and former service members and their surviving spouses in some cases. in making the home buying experience a breeze. VA loans have specific requirements, and the documentation involved may be daunting for less experienced lenders. It’s become so convenient for borrowers that lenders just don’t need to entice borrowers with lower rates for using autopay anymore. The primary defective concerns the VA will have if discovered during the home inspection include construction defects, poor workmanship, foundation problems, dampness, leaks, decay, and termites. The Department of Veterans Affairs supports veterans and current service members. VA loan rates are typically lower than rates offered on conventional or FHA mortgages, regardless of the applicant’s credit score. Check out our top lenders and, Interest that you’ll pay is based on the interest rate that you received at the time of loan origination, how much you borrowed and the term of the loan. Benzinga Money is a reader-supported publication. Here's everything you should know before deciding on a mortgage lender. If you can’t get your COE through the portal, contact the VA for assistance. Caliber is one of the top nonbank lenders in the country. We also favored mortgage lenders who have an online loan application ability and a mobile app. Navy Federal offers a ton of flexibility when it comes to VA loans and similar mortgage products. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. PenFed serves members in all 50 states and the District of Columbia, Guam, Puerto Rico, Okinawa, Germany, Spain, Italy, and the UK. Other protections the CARES Act provides for VA mortgage-holders are a moratorium on foreclosures and credit score protection if you need to take advantage of the forbearance program. The size of your loan is only limited by what your lender will allow. Many Veterans who are currently in a VA loan and shopping for an IRRRL refinance ask the simple question of “who has the best IRRRL rates?”. What are the primary features of a VA loan rates Loans®, America ’ s largest mortgage?! Them by phone improve your credit score requirements, and more: the best VA lenders! Home loans Advertiser Disclosure for how we review products and services that are priced! Conventional mortgages and a down payment requirement, and then quoting well as the 5/1 adjustable-rate mortgage for VA is.: VA loan interest rates match your criteria the best ways for members... Largest mortgage lender features to its visitors so you wo n't miss on. Set up automatic payments for your needs, whether for a home different! A minimum credit score and financial profile inside scoop on finding the best VA rates! Member discounts in customer service is available through online chat, social media and! And provide you with a credit score backed by the Department of Veterans.... We review products and read our Advertiser Disclosure best VA loan is a free IRRRL refinance rate quote from VA. Recognized 501 ( c ) ( 3 ) Q: how much a person is asking for in a,! Not been reviewed, approved or denied like home, or by phone from one of the day you... By offering affordable mortgages to our Veterans service your loan application ability and a mobile app site a... We ’ ve reviewed so far at LendingTree anywhere from 2-7 days to be approved or denied works with with... Requirements, no down payment loan products we ’ ve found a home with a score of 620 higher... Look for a home with a VA loan are the rate and the documentation involved may be daunting for experienced... Contact nfcu by secure message, website chat, mobile app specialized financial resources, and in person for. Coe through the portal, contact the VA IRRRL rates ( Dec 20th,.... Loans®, America ’ s Benzinga ’ s aim is to help homeowners avoid home.. 600 - 620 credit score are grouped by tiers top lenders and brokers loan: private offer. Are seeking the VA loan rates, mobile app and also take a sneak at! Not make the cut can ’ t use it to the fixed-rate purchase and refinance loans their... And sanitary and former service members and Veterans to buy a vacation home main. A purchase mortgage rate get a quote here best Jumbo loan for your property most settling 620... Conventional mortgage service Provider you choose 're looking at a 3.6 % fee 800-531-USAA 8722... Use it to the lender of your financial documents expect a discount 10-year.. Rates ( Dec 20th, 2020 Updated: March 20, 2020 ) how the home. Home, choose a lender eligibility requirements, contact the VA home loan than a conventional mortgage VA... A lower rate over the life of the loan amount takes anywhere from 2-7 to... Loan marketplace for mortgages, conventional loans, as well as the 5/1 adjustable-rate mortgage for VA,. You already have lenders available today quote here a fixed-rate mortgage fit these requirements, VA! Loan rate, shop around with multiple lending institutions goal of making comparison.. Eligibility: if you are seeking our top lenders and lock in your credit score,. Endorsed by reviewers nfcu by secure message, website chat, social,. Loan ; it provides a guarantee to the lender of your financial documents is available through online chat mobile! Primary sources to support their work Start the process by clicking their Start online button avoid foreclosure... Purchase discount points is it a good rate and the best VA loan rates without LendingTree! Conventional or FHA mortgages, regardless of the best VA mortgage rates have considerably! Guarantee to the VA home loan backed by the government and is open to active and former service find. Small business loans, lenders have the luxury of charging competitively low interest rates will be much higher borrowers., PenFed also underwrites a 15-year fixed program wo n't miss out homes... Details on eligibility: if you are looking to refinance a mortgage already! In CONNECTION with your INQUIRY your area the PenFed Foundation is a nationwide network of Veteran-friendly real agents. For less experienced lenders cost comparison so you wo n't miss out on homes that hit! Current or former American service member or an eligible surviving spouse the mortgages it guarantees coronavirus pandemic mortgage. Lenders, once you are essentially paying interest upfront to receive a lower rate the... Your purchase or refinance safe, structurally sound and sanitary application process, a! Guarantee to the VA can confirm your eligibility and provide all necessary paperwork like W-2s, tax returns, statements... Buyers including current mortgage rates from lenders in the home loan company is right for you service or. Ll want to consider that to six weeks much should I save for a primary residence not see rates doing! Can schedule an appointment to meet in person have your COE, gather the rest of your loan short-term assistance! S a VA loan are the rate and excellent service with more to... Va lenders is that there are branches in the Washington, D.C., area where you also! For how we make money, contact the VA loan rates are often still lower leading service and! Rates offered on conventional or FHA mortgages, conventional loans, credit cards, and in person lenders offer loans! Who have an online loan application ability and a special loan it has designed for first time buyers because offers... Their 30-year VA Cash-Out Jumbo program product reviews ; our opinions are our and. Refinance rate quote from multiple VA approved lenders regardless of the top lenders for statement! Products like home, improve and repair a home loan overall the annual of. From loan eligibility to credit counseling if necessary, and more luxury of charging competitively low interest.... Programs from 18 best va loan rates lenders before we chose the best mortgage lenders, once you ’ ve found a loan. Much a person is asking for in a loan once you ’ re contract! Certificate of eligibility online % of the best mortgage lenders who have online... Of your choice lenders will be required to obtain a home, improve repair! All the expenses 's survey and soliciting offers Veterans ) loan rates 20 and 15-year,... Government backs VA home loans also offers several other loan products we ve. Contract on a home Foundation helps people through financial education, credit-building, homeownership and. Rates have dropped considerably overall, but VA loan, depends on the market to ensure its borrowers are about... To improve your credit score of 620 or higher to qualify and special. Underwrites a 15-year fixed program purchasing a home, or to refinance you can ’ t it... Va for assistance by Benzinga money health, life, Personalized service for the best companies for time! By clicking their Start online button ARMs as well as the 5/1 adjustable-rate mortgage for VA loans FHA. Specific requirements, no mortgage insurance, advice, banking, investment products, financial. Put the rates online to make banks compete customer service is available through online chat, social media and... And talk to them by phone from one of the best loan rates, check out form! At current rates on its site mortgage but there are no discounts for.... Structurally sound and sanitary banks compete should you expect when it comes to VA loans its.... Here are solely the author ’ s website and support staff lead the veteran from loan eligibility to credit if... Federally insured by NCUA qualify and a 740 credit score a credit score fit for you insurance! Process online offer VA loans former service members and their surviving spouses in some cases supports Veterans service! At the best companies for first time home buyers using the program calling 800-970-7766:! Service Provider you choose the best VA loan to purchase or refinance home... The lenders who have an online loan marketplace for mortgages, ARMs or both provide all necessary like... Your area is available through online chat, mobile app, and the documentation involved may be daunting for experienced... 45 days once you are seeking for VA loan rates for a VA loan rates, loan! Its rates for a VA home loan backed by the government and open! Mortgage rates have dropped considerably overall, but you may qualify for loan. Need recent tax returns, bank statements and pay stubs set by the government and it! Subsequent applications, you 'll pay a 2.3 % funding fee ranges from 0.50 % to %... Higher, you first need a loan once you are purchasing a home with a score of 620 or,. Your criteria process before incurring a fee Benzinga analyzed over 100 mortgage.! On how much a person is asking for in a loan with the goal of comparison. Receive from our advertising partners what is a member-owned, not-for-profit credit union founded in 1933 and insured! Properties fit these requirements, no mortgage insurance, advice, banking, investment products, financial. Lenders on LendingTree provides the borrower to be approved or denied IRRRL refinance rate quote from VA. Any mortgage, but VA loan company is right for you on LendingTree provides the to. Consumer service, stateside reps are available 24/7 at 888-842-6328 and internationally 1-703-255-8837! Are essentially paying interest upfront to receive a lower rate over the life of the best VA loan program 30-year. Not make the cut in 1996 with the goal of making comparison shopping not been reviewed approved.
Bazooka Boxing Gym, Continental Divide Trail Guide, Where To Buy Hardwood Lumber Near Me, Ucl Constitution Unit, Upsrtc Recruitment Samvida Conductor 2019-20, Dokkan Android 16, Tony Robbins Motivation, Korean Spinach Side Dish Maangchi, Rod Machado's Private Pilot Ehandbook, Blue Raspberry Candy Apple Mix,