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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

Sausage Egg and Cheese Salad

This has become an all time favorite salad in our house lately. Although not what you normally think of when you say Sausage Egg and Cheese, this salad combines them all together for a splendid twist.

What You Need:

1 Head Romaine Lettuce
2 Tbsp. Red Onion
4 Tbsp. Finely chopped Carrots
4 Tbsp. Diced Cucumber
3 Hard Boiled Eggs (Tip: Boil 10 minutes, run cold water over them until cool enough to                                     handle and peel then. So much easier than waiting until they are cold.)
3 Slices Salami Chopped
3 Slices Pepperoni Chopped
1 Tsbp. Bacon Bits
1/2 Cup Mexican Cheese

Assemble and Serve with Dressings to Consider: Blue Cheese, Ranch, Creamy Italian, Italian, French and Olive Oil

As Always: If you want less or more of anything in the ingredients, for all means adjust. Sometimes I am in a meat mood and I need lots. 






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