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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

Caramel Pear with Gouda Bruschetta

This is such a light dish and is perfect at a party or to serve watching a movie. 


What You Need:

One Pear, sliced thinly
One Baguette cut into 1-2" Pieces
1 Stick Butter, Melted
2 Tbsp. Sugar
1 Tbsp. Cinnamon
Slices of Gouda Cheese
Caramel Syrup
Candied Nuts (Optional)

What to Do:

1. Preheat oven 350. Spray a medium size pan with cooking spray and set aside.

2. In a smallish bowl mix the melted butter, sugar and cinnamon. Dip bread pieces into the bowl, fully coating each. Place on pan. After all pieces have been coated, cook in oven for approximately 8-10 minutes. 

3. With a rough tear, place Gouda slices on top of the bread. Return to oven until cheese is bubbly. You can always just broil it quickly too.

4. Take out of oven and place on cute platter. Top each bread piece with a slice of pear. Once all of the bruschetta has been pear topped, drizzle with caramel syrup and top with candied nuts. 

Enjoy!








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