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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

Eat: Old Ebbitt Grill, Washington DC





I had eaten here years ago when my mother and I visited Washington for the first time ever. This past weekend I made it a destination for the girls and I. We left Williamsburg around four, traveled the two and half hour trek (without major traffic yay!), checked into our hotel for the weekend and walked the five blocks to the restaurant. 

Located across the street from the Department of Treasury, Old Ebbitt Grill is a local favorite along with being a tourist favorite. I would suggest making a reservation days in advance on deciding on this location. I called on Monday for my Friday reservation, granted there we eight of us. When we arrived, the hostess showed us to our table right away. We were whisked into an open area in the middle of the building with a large fountain as our background. The atmosphere is loud but not enough where you couldn't hear your table mates. 

What We Dined On

Drinks: Shirley Temples for the girls, Overstone Sauvignon Blanc for me, a Midnight Mimosa for my mom, Stacy, the Placido Pino Grigo for my Sister In Law, Lindsey, and the Joseph Carr Chardonnay for my Mother In Law Susan. Wine is always perfect so of course it was great!

Appetizer: 

Calamari: C
                 
                 Totally frozen, the ancho chili pepper dipping sauce was pretty good but I wasn't looking to each that as my appetizer. 

Dinner: 

Chicken Carbonara: B+ With farfalle pasta, onions, peas, bacon and Parmesan cream cheese, Douglas and Sage ate every bite. They did split though which was a great idea. Staying in a hotel and eating out can waste much food. 

Chicken Sandwich #1: B+ A breast of chicken with bacon and Munster cheese, Lindsey enjoyed it. You really can't go wrong with this selection.

French Dip: A- Yummy roast beef on a toasted baguette with provolone cheese, red onions, horesradish sauce and of course the au jus! Mom only ate half but she was full.

Cape Cod Mussels: A-  Mussels in a tomato, garlic, roasted red onions in a white wine butter sauces with basil and linguine. 

Italian Grilled Cheese: A+ This sandwich was to die for and I am super glad I went with it. When the server nods and says "Good Choice," you know you got it in the bag. Genoa Salami, pepperoni, capicolla and moradella ham with marinated tomatoes, red onions provolone cheese, and arugula pesto on brioche bread... I'm hungry typing that. I had half left and had every intention of eating the other half but mom and I decided it was a pay it forward weekend and because we saw a homeless man covering up in a doorway, we placed our leftovers beside him. We figured he needed more than we did.

Ava ate the cheeseburger from the kids menu and said it was pretty good.

Check out the Old Ebbitt Grill the next time you are in DC. 

Do you have any suggestions for my next visit?


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