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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

Mother's Day

I work a really cute shop in Williamsburg. We are Quirks of Art. My boss is Jenn and she is a pretty cool lady. She is pretty well traveled, an accomplished runner, a damn good buisness owner and she is hot too. The other chicks I work with are Kristina and Monica. It's pretty crazy they are both Gemini's... but that's another story for another day.
 
I wanted to share with you my favorite picks for Mother's Day this year.
Lenny and Eva carry awesome cuff braclets. Offered in large or small, this is a charm for one of the larger cuffs.

 
Allen Designs offer cute wall clocks in vibrate colors.

 
Island Cowgirl is a great line of jewlery made in the USA from Huntington Beach, California. Rugged and Romantic is how I would describe this line. Isn't this the sweetest charm to share with your mother?
 
 
Painted Peace Poles are the perfect gift for your mom's garden. Made from PVC, they will never fade. These Peace Poles are also available with optional customizations such as magnetical street numbers.
 
 
 
I am in love with these "Dreamcatcher" Earrings by Island Cowgirl.
 
Zents are a great gift for your mom. The lotion is so thick and full of moisture but doesn't feel greasy. I love this.
 
What are you thinking about getting your Mom?
 
 
 
 
 
 
 

Comments

  1. These are great ideas!! So cute!! Also, I updated your link on my blog. Hope all has been well! :)

    xo
    Rachel

    ReplyDelete

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