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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

Don't Throw the Heel: Make Croutons

I used to be the worst at throwing away the heels of bread because no one was going to eat them in this family. Then one day I thought to myself, why not chop them up, toss with some olive oil and bake them? I tell you that was a great day in my life. Fresh croutons are the best for your salads and instead of buying a box of them with all of that extra packaging you have it already in your home!



What You Need:

Heels from Loaves of Bread (We are obsessed with our Pepperidge Farm Outlet up the road!)
Cavender's Greek Seasoning 
Olive Oil to Coat
Container to coat your bread pieces in with a top or a zipper
Sheet Pan

What to Do:

1. Preheat Oven to 350.

2. Chop your loaves of bread into bit sized pieces. Place in your container your bread pieces, olive oil and Cavender's. Shake until all pieces have a nice coating of seasoning and olive oil.

3. Place on a sheet pan and place in oven for abour 16-20 minutes. You want them done but not burned. 

4. Remove from oven and let sit until cool. Place in a container for storage. 


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