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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

Fall Trends We Can All Live With

Fashion suffers a backlash after all the trends from a season fuse into many seasons. They begin to mix into one pile of way the hell too much. After all the nail art, the smoky eyes, the red lips, the rings and bracelets that cover every inch of your body and the shoes that are a mile high, people get irritated and drowsy on all the items it takes to pull one outfit together. 

This season's fashion is a blank slate. Start fresh. Take off your polish. Scrub your eyes and lips clean. Unwrap all the wrappings on your arms and place the jewelry back in its pearly case to rest for awhile. Easy, breezy fall is here. Wrap up in a cozy scarf; pull on a pair of silky socks and sip on a pumpkin latte for a bit. Shopping season is in front of us so be thankful a second and be rest assured, fall trends are easy to accomplish.



Wrap Up in Scarf: With so many selections, scarves are bits of a fabric store you can test out each and every day.  Roll out of bed, throw on a t-shirt, a pair of jeans and add your flat boots to your feet. Dress it up with stripes one day, skulls the next and florals the following. Instead of dropping $15 or more dollars on each scarf, head up to your local fabric store and purchase half a yard of fabric. You can mix and match while spending little to nothing on a new look everyday and what women doesn’t want a new look every day!



Strip Your Nails to Bare Minimum: Nail Art is dead. It’s time to move on. Don’t worry, it will come back around as all does in fashion. For now enjoy running a clear coat of paint over your nails and calling it a day. Instead of spending hours in the nail salon how about an hour in the massage parlor instead, seems like a winner to me!



Single Process Hair Is Back: Pick a color and stick with it. Ombre was a nice look for awhile but the time has come to say farewell and highlighting your hair was so 90’s. Super blonde is in as well as super brown, black and red. No burgundy or maroon, just red!



Pack Away All Those Rings and Wraps: Our wrists and hands are tired of wearing all that metal, fabric and beading.  Bare skin is back and there is nothing wrong with that. Classic skin is bare skin.  Let the jingle belong to the dog and cat.

Fall is a time for relaxation and fashion should be just that. Take a breather, let go of things not meant be and plan for your next big thing. It is much simpler to begin anew when your surroundings are quiet. 


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