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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

Pumpkin Cream Cheese Bars

What a great recipe!  I mean Because We All Love Pumpkin I know!



What You Need

1/2 Cup Pecans
1 Can (15 ounces) Solid Pack Pumpkin
3 Eggs
1 Cup Old Fashioned Oats
1 1/3 Cups All-Purpose Flour
1 Tsp. Allspice, Ground
1/2 Cup Brown Sugar, packed
1 tsp. Cardamom, ground
3/4 Cup Sugar
2 Tsp. Ground Cinnamon
1 Tsp. Vanilla Extract
3/4 Cup Butter
1 Package (8 Oz)  Cream Cheese

What To Do:

1. Preheat Oven to 350.

2. In a small bowl mix flour, 1/4 cup sugar and the brown sugar. Cut butter until crumbly.

3. Stir in your oats and pecans. Save 1 cup for the topping.

4.  Press the crumb mixture into the bottom of a 13x9 glass baking pan. Bake for 15-17 minutes. 

5. In another small bowl beat the cream cheese, spices and remaining sugar until smooth. Beat in the vanilla and pumpkin. Add Eggs and beat on low speed just until smooth. 

6. Pour over the warm crust and top with the remaining crumb mixture. 

7. Bake 20-24 minutes. Cool and cut into bars!


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