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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

Grilled Cheese Heaven

This seriously might be the best sandwich ever. I made it yesterday and I am hooked. You want to try? Scared on onions.... DON'T BE!! Breath mints of course after you eat!

What You Need: 
Serves One

2 Slices of Bread
Butter to Spread
Onion
Green Pepper
Tomato: Any kind you have on hand, I usually have plum.
1 tbsp. Olive Oil
Salt and Pepper
One Slice Swiss Cheese
One Slice Sharp Cheddar (I love Cabot.)
Pan and Stove
Cooking Spray

What to Do:
Spray your pan down with cooking spray.
Slice onion and green pepper about five to six slices. 
Slice your tomato.
Get your pan warm and add your Olive oil waiting until it is warm.
Add onion and pepper and season with S&P; Roast until a nice brown color appears. 
Add your tomato and cook until warm.
Remove from heat.

Butter your bread.
Place one slice of bread in your pan. 
Place on slice of cheese onto bread, layer vegetables. 
Top with remaining slice of cheese and pepper.
Add last slice of bread. 
Return to your hot stove and toast on both sides until brown and crisp.
Slice and Enjoy!



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