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First Republic Mortgage Rates Reviews

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First Republic Bank was founded in 1985 and has headquarters in San Francisco, California. It offers private banking services for individuals and businesses, as well as private wealth management. The bank operates in California, Massachusetts, Connecticut, New York, Oregon, Wyoming, and Florida.

It has 75 brick-and-mortar branches, of which 53 are located in California. First Republic sold $92.1 million in home loans during the third quarter of 2018, putting the bank in the top 25 U.S. lenders based on loan volume. Their stocks are publicly traded in the S&P 500 and Nasdaq.

First Republic Quick Facts

  • BBB-accredited with an A+ rating 
  • Provides a variety of conventional mortgage options, including fixed-, adjustable, and hybrid adjustable-rates,
  • Special mortgages available such as vacation and second home loans, construction and permanent loan bundle, and loans with competitive rates for individuals in certain communities 
  • 75 banking offices in the states it operates in: California, Massachusetts, Connecticut, New York, Oregon, Wyoming and Florida.
  • Reputable banking institution that currently manages $99.2 billion in assets and $75.9 billions on loans.

History of First Republic Mortgage

During its 34 years of operation, First Republic Bank has quickly earned the reputation as a trusted lending institution dedicated to customer-focused service and support.

This lender offers a number of conventional mortgage options, including fixed- and adjustable-rate, and second home loans, alongside several specialty programs for borrowers living in certain census tracts. Despite its modest variety of home loan products, First Republic does not facilitate any government-backed mortgages.

This banking institution has been accredited by the Better Business Bureau since 2016. Currently, First Republic’s BBB profile displays an A+ rating with only 10 customer complaints having been filed over the past 3 years, all of which have been resolved.

Unfortunately, this lender offers little information about its mortgage products on its website. It does not provide any specific information about down payment requirements, credit score expectations or average interest rates.

Therefore, First Republic’s overall online experience is subpar, as it does not allow users to obtain rate quotes or start the application process digitally.

That said, this lender is a great choice for homebuyers looking for a traditional banking experience and who live close by to one of its banking locations in California, Massachusetts, Connecticut, New York, Wyoming, Florida, and Oregon

Current First Republic Mortgage Rates

Credit Score Credit Rating Mortgage Rate Impact
800 – 850 Exceptional Able to secure the best available interest rates from almost every lender
740 – 799 Very Good Able to secure better than average interest rates from most lenders
670 – 739 Good Able to secure average interest rates from most lenders
580 – 669 Fair May have difficulty qualifying for a mortgage, even with below average interest rates
300 – 579 Very Poor Likely to have difficulty qualifying for a mortgage, even with large down payments and very high-interest rates

First Republic Loan Specifics

First Republic offers a standard variety of conventional mortgage products, including fixed- and adjustable-rate, interest-only, and second home loans.

While the bank does not provide any government-backed mortgages, it does feature a number of specialty programs, including an Eagle Community home loan and an “All-in-one Acquisition to Construction to Permanent” financing option.

First Republic only originates mortgages in a few of its service regions, with close to 92 percent of its total loans coming from California, New York, and Massachusetts.

Fixed-Rate Loans

This conventional mortgage type provides excellent stability for the full loan term, as interest rates and monthly payments are locked in during the origination period and do not change over time. Most lenders offer terms of 15 or 30 years, though some have more flexible options that allow for maximum customization.

This mortgage option is most popular with homebuyers that are planning to stay in one place for a long period of time and those looking for an easy-to-budget home loan. However, First Republic’s website does not specify its specific fixed-rate mortgage options.

Adjustable-Rate Loans

Borrowers that are unsure about their long-term plans may benefit from this variable mortgage option, as it offers a lower starting interest rate than fixed-rate loans. After an introductory period, usually, three, five, seven or 10 years, the interest rate and monthly payment amount will automatically adjust every year to the market index.

Poor market performance may cause interest rates to rise, which may force borrowers to pay more over the full life of their home loan. It is unclear from First Republic’s website the adjustable rates that it offers.

Hybrid Adjustable-Rate Mortgage

This mortgage features introductory fixed rates, but once that period is over, it shifts to a variable rate.

All-in-One Acquisition to Construction to Permanent Loans

This First Republic specialty mortgage program is aimed at borrowers that are planning to build their own home. The loan covers borrowers for the full length of the home building project, from the land purchase to the completion of the home and beyond.

This mortgage is available as either a fixed- or adjustable-rate loan with a range of term options and can help borrowers minimize transaction costs. Bundling these typically-separate loans into one is time-saving and financially sound as it eliminates duplicate transaction costs.

Vacation and Second Home Loans

Homebuyers looking to purchase or refinance a vacation home can benefit from this mortgage type, as it features an effortless and speedy pre-qualification process.

First Republic offers a wide variety of second home loan options with flexible repayment terms, including fixed-rate, adjustable-rate and hybrid adjustable-rate loans, which feature a fixed rate during the introductory period, after which it changes to a variable rate.

Eagle Community Loan Program

This loan program offers some of First Republic’s most competitive interest rates for borrowers looking to purchase or refinance a primary residence within one of the bank’s census tracts. This loan program provides conventional fixed-rate mortgages with no prepayment penalties.

Clients must apply for it in person at one of the bank’s physical branches. 

First Republic Mortgage Customer Experience

First Republic Bank only originates home loans in California, Massachusetts, Connecticut, New York and Oregon, which significantly limits the scope of its mortgage services. Almost all of the bank’s physical branches are located in California, making it difficult for out-of-state borrowers to work with this lender on a face-to-face basis.

Additionally, First Republic’s lack of government-backed mortgages prevents borrowers with low credit scores and limited credit histories from qualifying for a home loan with low down payments.

While the bank does offer a number of specialty programs, none are dedicated to providing affordable lending solutions to low-to-moderate income buyers outside of certain designated census tracts.

Useful bank-specific information and mortgage resources are noticeably absent from First Republic’s website, which negatively impacts borrowers looking for an online lending experience. The website does not possess a prequalification feature, an online application process, or a rate quote or estimate tool.

The best way to contact First Republic is to reach out to one of its “Relationship Managers” by phone, or by filling out a webform and waiting to hear back from a lending agent.

One of the biggest drawbacks of First Republic’s website is the lack of concrete information about its mortgage products. The bank provides limited detail beyond a few broad summaries of each loan offer, making it difficult to get a complete picture of the advantages and disadvantages of its programs.

For example, First Republic does not list any relevant information about loan terms, down payment requirements, interest rate averages, or program eligibility. Homebuyers looking for a traditional banking experience may prefer this lender’s non-digital approach.

First Republic Lender Reputation

While First Republic’s limited digital presence leaves much to be desired, this lender has earned quite a positive reputation. The bank has been in operation for almost 34 years, during which it has been consistently recognized for its dedicated customer-focused approach to loan origination.

First Republic’s received the Better Business Bureau accreditation in 2016. Currently, First Republic’s BBB profile features an A+ rating with only 10 customer complaints filed over the past 3 years, all of which have been resolved.

In addition, between 2012 and 2018, First Republic received 15 lodged complaints on mortgages at the Consumer Financial Protection Bureau. All of them have been closed with an explanation. 

  • Information collected on March 1st, 2019

First Republic Mortgage Qualifications

Credit Score Credit Rating Mortgage Rate Impact
800 – 850 Exceptional Able to secure the best available interest rates from almost every lender
740 – 799 Very Good Able to secure better than average interest rates from most lenders
670 – 739 Good Able to secure average interest rates from most lenders
580 – 669 Fair May have difficulty qualifying for a mortgage, even with below average interest rates
300 – 579 Very Poor Likely to have difficulty qualifying for a mortgage, even with large down payments and very high-interest rates

Every home loan type offered by First Republic features a number of unique eligibility guidelines, though precise details are unavailable through the bank’s website.To qualify for First Republic’s lending products, borrowers must first obtain a standard checking account with one of the bank’s physical branches.

Once an account is secured, homebuyers can begin working with a dedicated lending agent to find the best mortgage rates for their specific needs.

At present, there is no mention of concrete down payment minimums, credit score conditions, median income limits or debt-to-income requirements within any of the lender’s online resources.

Be that as it may, on its website, First Republic states that most lenders typically require that debt-to-income ratio of 28/36, which means that the house payment should not exceed 28% of a client’s before-tax monthly income from all sources and that no more than 36% of monthly income is used towards paying clients’ total monthly debt, including the mortgage payment.

However, First Republic does not explicitly declare this is their policy.

Most mortgage originators request down payments of at least 5% on conventional loans and often require homebuyers who put less than 20 percent down to pay for private mortgage insurance.

First Republic does not offer any government-backed loans, which typically feature low down payments, so borrowers should be prepared to make a large upfront payment to qualify. For more information about this lender’s down payment minimums, homebuyers should reach out to a lending agent directly or fill out an online contact form.

The credit score is an important metric for determining home loan eligibility and formulating interest rates, as low scores are usually a sign of poor credit management. Explicit credit score expectations are not provided on First Republic’s website, nor is it clear whether this lender considers non-traditional credit history.

Borrowers with credit scores higher than the industry average, which according to FICO stands at around 740, should not have difficulty qualifying for one of this bank’s mortgage products, though lower scores typically mean higher rates.

First Republic Phone Number & Additional Details

  • Homepage URL: https://www.firstrepublic.com/
  • Company Phone: 1-415-392-1400 or 1-800-392-4000
  • Headquarters Address: 111 Pine Street, San Francisco, California 94111

The post First Republic Mortgage Rates Reviews appeared first on Good Financial Cents®.



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Review: Luigi’s Mansion 3 [Nintendo Switch]

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Luigi is back and better than ever in the newest installment in the Luigi’s Mansion Series.

This is the third game in the Luigi’s Mansion franchise, and it’s by far the best. Luigi’s Mansion 3 came out on the Nintendo Switch and Nintendo Switch Lite on October 31, 2019.

Players get to master new skills and equipment in this delightfully charming game. Luigi’s Mansion 3 has been wildly popular since its release, with over 5.3 million copies sold.

The game has 4.7/5 rating from GameStop, a 96% positive rating from Google Users, a 5/5 rating from Common Sense Media, and a 86% positive rating from Mediacritic. Luigi’s Mansion 3 was also voted the Best Family Game of 2019 at the Video Game Awards.

Luigi’s Mansion 3 reviews

This game begins with Mario, Princess Peach, three Toads, and Luigi riding on a bus. Luigi and his merry band of friends are going to a hotel—I know, I know, a hotel is not technically a mansion, but the game is still fun anyway—, where they have been promised a luxurious stay.

Unsurprisingly, the promised vacation is not luxurious in any way. Instead, soon after Luigi and company arrive at the hotel, everyone but Luigi is captured by the ghosts of the haunted hotel. This means it’s up to Luigi to rescue his friends.

Review: Luigi’s Mansion 3

Luigi’s Equipment

Luigi’s Mansion 3 sees the return of some iconic equipment from the previous Luigi’s Mansion games and some new equipment to spice things up.

  • The Poltergust 3000 is Luigi’s main tool and only weapon. He uses it to blow and suck air, ghosts, and money.
  • Dark Light Device is a special light that gets attached to the Poltergust 3000 and allows players to see hidden objects and trap ghosts.
  • The Plunger is another Poltergust attachment that can be used to stick to objects to solve puzzles, unblock a path, or attack ghosts.

Review: Luigi’s Mansion 3

Faces: New And Familiar

This new game also features some familiar characters, but also some new ones. Here is a list of characters:

  • Luigi—obviously—is the main character and reluctant ghost hunter extraordinaire.
  • Gooigi is Luigi’s gooey, Jello-esque doppelganger. Gooigi is an indispensable character who, when he’s not stored in Luigi’s backpack, assists him with defeating ghosts and solve puzzles—as long as they don’t involve water.
  • Professor E. Gadd is a zany character with some serious mad scientist vibes. He upgrades Luigi’s equipment, sells him items, and performs unauthorized experiments on him—looking at you Gooigi.
  • Polterpup is Luigi’s adorable ghostly puppy sidekick/mascot.
  • Hellen Gravely is one of the main antagonists and is one of the big bosses and proprietress of the haunted hotel
  • King Boo is a returning enemy from previous Luigi’s Mansion. He is the big bad and is the enemy players face in the final boss battle.

Watch Luigi’s Mansion 3 Gameplay with Lisa Coronado

Watch Highlight: BLIND -Luigi’s Mansion 3! Suck it up buttercup! from ItsASmallsWorld on www.twitch.tv

The Haunted Hotel

The haunted hotel is amazing!

Next Level Games has outdone themselves with the design of this game.

Luigi’s Mansion 3 is so fun because unlike its predecessor, Luigi’s Mansion 2: Dark Moon, there’s always something new to see or do. There are 15 floors and two basement levels—not including the roof—and each has its own theme, which all look like something players would expect to see in a fancy haunted hotel—you know, if you visited a lot of haunted hotels. Every floor has a boss which players must beat to proceed to the next floor.

  1. Basement Level 2 is the boiler works
  2. Basement Level 1 is the maintenance level
  3. 1st Floor is the grand lobby
  4. 2nd Floor is the mezzanine themed floor
  5. 3rd Floor is the hotel shops
  6. 4th Floor is the excellent stage
  7. 5th Floor is the R.I.P. suites
  8. 6th Floor is Castle MacFrights
  9. 7th Floor is the garden suite
  10. 8th Floor is paranormal productions
  11. 9th Floor is the Unnatural History Museum
  12. 10th Floor is the tomb suites
  13. 11th Floor is the twisted suites
  14. 12th Floor is the spectral catch
  15. 13th Floor is the Fitness Center
  16. 14th Floor is the Dance Hall
  17. 15th Floor is the Master Suite

Fun Takeaways

Some of the best things about this game were the little details. Luigi is a reluctant hero, which is what makes him such a fun protagonist. He spends the entire game afraid of everything. He trembles when he opens doors, jumps at noises, random movement, and jump scares.

When Luigi runs his head lags behind him, like he is a manic character from Tom and Jerry, it’s what makes the game so fun. It’s obvious that Luigi is scared, but with such a fun castle to explore, how can you stop playing?

Gooigi—see in the list above—is a new playable character in the Luigi’s Mansion franchise. He rests in Luigi’s backpack and is loads of fun to play. The graphics really give Gooigi depth, and when players move him around, they’ll get to see and hear how he oozes through obstacles. It is utterly fascinating.

Gooigi is capable of slipping through grates and fences, and essentially has all of the powers Luigi does—except for his weakness with water. Should players decide to play in local co-op, they can choose to play both Luigi and Gooigi simultaneously.

Another great detail in this game is how interactive it is; virtually everything players interact with is reactive. Players can bump into tables, topple chairs, blow on tubas, and break things.

A bonus is that most of those things will also give out money or prizes when players interact with them.

Combat And Puzzles

Combat is entertaining in this game, although Luigi’s Mansion 3 doesn’t feel like a combat-focused game. The Poltergust 300—once again, in the list above—is a weapon without feeling like a weapon.

It is incredible how versatile the Poltergust 3000 is, and it is really cool to consider just how in-depth the game design is to create a world where a modified vacuum with attachments is the only thing players need to succeed.

Also, smashing ghosts against the floor and walls is really fun.

Puzzles are a significant part of the gameplay as well, and they are just as dynamic as the setting and combat. Players are challenged to really think outside the box with this game.

Multi-player Option

Luigi’s Mansion 3 also offers a multi-player mode, which means eight players can gather either online or locally. This game also sees the return of ‘ScareScraper’—which is from Luigi’s Mansion 2: Dark Moon—in a co-operative mode or the option to play ‘ScreamPark’ in a team vs. co-operative team mode.

‘ScareScraper’ is a teamwork focused co-op where players must clear randomly generated floors from a high-rise. They do this by hunting ghosts and moving on once all of the ghosts on a floor are cleared.

‘ScreamPark’ pits two multi-player teams—Teams Luigi and Gooigi—against each other in three different match types. The matches are:

  • Ghost Hunt: where the team who catches the most ghosts, especially tough ones, wins
  • Cannon Barrage: is a game where players must obtain cannonballs, some of which are held by ghosts, and fire them at targets
  • Coin Floating: teams must collect the most coins from a pool without collecting any nasty surprises that also lie within the water

Controls are the same in both single and multiplayer modes, and characters are color-coded versions of Luigi and his doppelganger.

Verdict

This game is a fantastic addition to a unique series. There is very little to not like about this game. There is the occasional issue with controls, and some of the puzzles are a little difficult to decipher. These issues are overshadowed by all of the other things that make this game great.

Luigi’s Mansion 3 is a game with gorgeous graphics, a fun plot, and a charming protagonist. It is an excellent game for players of all ages. With an average of 15 hours of gameplay, without any treasure hunting,

Luigi’s Mansion 3 is a delightful way to spend some time with our favorite scaredy-cat ghostbuster.

The post Review: Luigi’s Mansion 3 [Nintendo Switch] appeared first on Your Money Geek.



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Azlo Review – Online Business Checking

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Azlo ReviewAzlo Review

Alzo is an online bank that focuses on simple business banking for entrepreneurs. With a huge focus on online entrepreneurs like freelancers and business, they are looking to change the way these businesses bank.

But what does that mean for you if you’re looking for a great business checking account?

Let’s dive in!

See how Azlo compares to the best business checking accounts and read more in our review below.


Azlo LogoAzlo LogoAzlo Logo

Quick Summary

  • Completely free business checking
  • Integrated invoicing and payment acceptance services
  • Does not offer checkbook services and cannot accept cash

Azlo Details

Product Name

Azlo Business Checking

Min Deposit

$0

Monthly Fee

$0

Account Type

Checking

Promotions

None

What Is Azlo?

Azlo is an online-only bank available in the U.S. and Mexico. The CEO & Co-founder is Cameron Peake. Azlo was founded in 2017 and is part of BBVA USA, Member FDIC.

“Within the banking industry, small business customers usually either aren’t served at all, or they’re served as an afterthought. At Azlo, from day one, we’ve built our product just for them. For example, we don’t have minimum balances or monthly fees. This is important because if you’re a new business owner ― particularly someone who hasn’t started earning revenue yet ― your money should be put towards your business rather than fees,” Peake said in an interview with fitsmallbusiness.com.

What Do They Offer?

Azlo offers free business checking suited for simple businesses such as small businesses, contractors, and freelancers who do all of their business online. 

It also has a no-fee model. Companies that need to write paper checks will want to use a different bank since Azlo doesn’t offer checkbook services. Businesses that need in-branch services and deal with cash will also not be a good fit for Azlo since none of those services are offered.

For most small businesses, Azlo can do virtually everything needed without any fees. It offers simple business checking, but for many small businesses, they don’t need anything more. Here’s what’s included with an Azlo checking account:

  • No-fee checking account
  • Free ATM access using Allpoint Network (55,000 ATMs)
  • Invoice clients for free
  • Debit card
  • Bill pay, which includes option for mailing paper checks
  • Connect your checking account to popular accounting software such as QuickBooks Online, Xero, and Wave.
  • Accept credit card payments through Stripe, Square, or PayPal.
  • Clients can send in paper checks for payment or use a bank transfer.
  • Receive incoming wire transfers fee-free. Outgoing wire transfers are not available.

As you can see from the list above, Azlo is very business-oriented.

Some customers have reported that transfers with Azlo are slower than with other banks. Azlo lists that outgoing transfers can take 1-3 business days, and incoming transfers can take 4-5 business days. Mobile check deposits can take 1-6 business days to process. These processing times can certainly be a factor if you need fast processing for transfers and check deposits.

Azlo cannot send international transfers. They are working on adding this option. Although you can pull from an Azlo account using an international debit service.

We also experienced trouble trying to use the invoicing and receiving payments with credit cards on invoices.

Azlo is available in all 50 states. Azlo is not able to offer services to businesses involved in gambling, money services, privately-owned ATMs, sales of marijuana or its derivatives, precious metals, pawnshops, or cryptocurrency exchanges. It also can’t support limited partnerships or limited liability partnerships.

Azlo does have some limits on certain transactions. From their webpage these include:

  • ATM withdrawals are limited to $1,000/day.
  • Card purchases and over-the-counter cash withdrawals have a cumulative limit of $8,000/day and 30 unique card transactions/day.
  • Transfers TO a linked account are limited to $300,000/day, and transfers FROM a linked account are limited to $100,000/day.
  • Payments through bill pay are limited to $10,000/payment. Bank-to-bank (ACH) payments are limited to $300,000/day.
  • Mobile check deposits are limited to $10,000/check and $20,000/month. Limit can be increased based on your Azlo account history.

Mobile App

Azlo has a mobile app for both the iPhone and Android. On the Apple App Store, it has a 4.3/5 rating from 258 people and 4.1/5 rating from 298 people on the Google Play Store.

Customer Service

Customer service is available by email and phone. You can email Azlo at support@azlo.com. They reply within 1 business day. Phone service is available at 844-295-6466 from 6:30 am to 5:30 pm Pacific time Monday through Friday.

Are There Any Fees?

Nope. Azlo is all-free business checking. That begs the question — how do they make money? Azlo says it makes money by earning interest on checking deposits and from customers using the Azlo debit card.

Payment serviced from Stripe, Square, and PayPal do charge processor fees, but these are separate from Azlo.

How Do I Open An Account?

Accounts are opened online at https://azlo.com.

Is My Money Safe?

Yes, Azlo uses bank-grade encryption on its website, and mobile and BBVA USA is a Member FDIC.

Is It Worth It?

It has potential, that’s for sure.

For small businesses that have simple checking needs and want to accept online payments from customers, Azlo will do everything you need. 

It has integrated invoicing and the ability to accept payment from credit cards and bank transfers, providing a great infrastructure for small businesses.

However, if you’re looking for more, check out our list of the best business checking accounts here.

The post Azlo Review – Online Business Checking appeared first on The College Investor.



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10 Slow Cooker Recipes That Will Make Dinner Time Easy

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Are you looking for some new and delicious slow cooker recipes so you can have tasty and stress-free dinners this week?

I love making meals in a slow cooker. Dinners are so much easier when you start everything in advance! I’m less stressed, can focus on things I’d rather do, all while knowing that I have a delicious meal cooking.

So, if you’re looking for some of the best slow cooker recipes, I have 10 new recipes for you to try – that’s almost two full weeks of meal ideas!

I think you’re going to like all of these slow cooker recipes, but here are my favorites:

  • Easy Slow Cooker Cauliflower Soup – Cauliflower, cashews, and a smoky chickpea topping. This soup is packed full of protein, and it’s vegan. This soup is creamy, rich, and the chickpea topping is roasted, which gives it a nice crunch.
  • Slow Cooker Salsa Verde Chicken Soup – Chicken, black beans, fire roasted corn, lime juice, and more. You can top this hearty soup with cheese, avocado, sour cream (I like to use plain Greek yogurt), and more.
  • Mozzarella Stuffed Crockpot Meatloaf – Garlic, onions, mozzarella cheese, Italian seasoning, and more. This meatloaf even has a delicious sweet and spicy glaze on top. I honestly had no idea that you could even make meatloaf in the slow cooker until I found this recipe.

Many of these slow cooker recipes take 15 minutes or less of prep time, which means you can easily make them before you go to work in the morning. They also make great leftovers for lunch the next day.

I like to put together slow cooker recipes before we go out hiking, biking, or exploring. We’re usually very hungry when we finish, and having a slow cooker meal ready to eat means we’re never too tired to eat dinner at home.

Being too tired or too hungry to cook is probably one of the top reasons for going out to eat, but dinner out can easily cost $30-$50. That can be a lot of extra spending that you didn’t budget.

So, these slow cooker recipes will give you some delicious new ideas, make dinner time easier, and they’ll keep your food budget in check. 

If you’re interested in more meal ideas, I recommend checking out the following articles for more of my favorite recipes:

Note: If you’re looking for easy weekly meal plans, full of budget recipes, I recommend $5 Meal Plan. $5 Meal Plan is a meal planning service that sends you a delicious meal plan and shopping list every week for just $5 a month.

Here are 10 slow cooker recipes.

 

1. Easy Slow Cooker Cauliflower Soup

Get the recipe here.

 

2. Slow Cooker Vegan Butternut Squash Soup

Get the recipe here.

 

3. Sweet Potato Apple Casserole

Get the recipe here.

 

4. French Beef Stew

Get the recipe here.

 

5. Teriyaki Chicken Quinoa And Veggies

Get the recipe here.

 

6. Salsa Verde Chicken Soup

Get the recipe here.

 

7. Slow Cooker Corned Beef Tacos

Get the recipe here.

 

8. BBQ Pulled Pork Tacos

Get the recipe here.

 

9. Slow Cooker Chicken Chili

Get the recipe here.

 

10. Mozzarella Stuffed Crockpot Meatloaf

Get the recipe here.

What are your favorite slow cooker recipes?

The post 10 Slow Cooker Recipes That Will Make Dinner Time Easy appeared first on Making Sense Of Cents.



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