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Why is an Appraisal Important When Buying or Selling a Home?

One the biggest components in buying a home when a lender is involved includes an appraisal. If you buy a home with cash and sometimes with a conventional loan, you can bypass this step. With an FHA loan and an VA loan, you cannot.  What is an appraisal?  In simple terms and Appraisal is a valuation of property.  An appraisal ordered for the purchase of a home is to determine if the price agreed upon by seller and buyer is acceptable by the lending institution. If an appraisal comes in low, the lender will likely decline to fund the deal. Unless the buyer is willing to come to the contracted price the deal to purchase can fall apart.  So what happens if the Appraisal come in Low? Sometimes a buyer will pay over the appraised value in order to buy the home. Sometimes the seller will lower the contracted price to the appraised value in order for the deal to continue. Sometimes the deal falls apart.  Loan types will determine what you can do as a buyer to get past the low appraisal. A con

Easy Weeknight Dinner: Fiesta Chicken Casserole


Ingredients:
 
1 jar (16 ounces) Salsa
1 can (10 3/4 ounces) Cream of Chicken Soup
1 cup sour cream
2 cups shredded Cheddar cheese
2 packages (12 ounces each) frozen whole kernel corn
2 cups rotisserie chicken
1 can black beans, rinsed and drained
1 package refrigerated pie crusts (2 crusts), at room     temperature                                       
 
What to do:
                                                 
Preheat oven to 400 degrees.
 
Stir the salsa, soup, sour cream, cheese, corn, chicken and beans in a large bowl.
 
Spoon the chicken mixture into a 3-quart shallow baking dish.     
                                              
Unfold the pie crusts on a lightly floured surface. Lay the crusts side-by-side so that they overlap by about 3 inches in the center. Press the seam to seal. Roll the pie crust into a 14 x 10-inch rectangle. Place the pie crust over the chicken mixture. Trim the excess crust. Press the crust to the rim to seal. Cut several slits in the crust. 
                                                  
Bake for 40 minutes or until the crust is golden brown.

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