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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

Visit: Family Greenhouse














Every visit to Rogersville wouldn't be complete without a trip to our family's greenhouse. Martins Greenhouse is run by my uncle and aunt along with other aunts and a slew of cousins. They are always super sweet when we get to see them although, I always wish more of the cousins were there when we came. I guess around the holidays many of them are off! ;) Good for them.

What is so awesome about Martins? If you have ever visited Dollywood in Gatlinburg, Tennessee and seen the beautiful plants, well here is who grows them from seedlings. 

When we stopped by, we were told we just missed the huge poinsettia collection but we were excited to see all of the succulents they were growing. A trend, is what they called them at Martin's. It seems that succulents are the "it" thing right now for the younger generation in weddings. I think I have seen quite a few blogs with these beauties gracing their webpages. We were told to take what we wanted. Each of the girls, Joe and I each chose a plant. They are sitting in our sunroom now, freezing. Poor things. 


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