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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 St. Croix: Eat @ Cane Bay

Such a funny name for this restaurant. Such a simple name for a place all you want to do is eat at! I am so excited about their shot menu! I love being able to try multiple items from a menu without being horribly stuffed after I meal. Why pay to be miserable? 

Try: 
Smoked Duck Pot Pie in a Phyllo Cup
Mahi Veciche with Citrus and Coconut
Bacon Wrapped Scallop with a spicy Hollandaise
Steak, Bacon, Blue Cheese with a Red Wine Drizzle
Surf and Turf: A lobster Nugget and Flank Steak with Truffle Hollandaise
Caprese: Tomato, basil, fresh mozz and balsamic Drizzle

Who's tongue is doing Pavlo's Dog right now? 

For Those Who Want A Bit More:

How about a BYO Burger/Veggie/Chicken. Build this guy up with so many options. 
I would Choose:

Bring on the Hamburger Patty with Swiss and Brie Cheese with a Fried Egg, Bacon and Chorizo. MMMMMM....





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