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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

What's Been Happening Around Here

We spent quite a bit of time this weekend shopping. The weather was perfect until Sunday. We were able to get outside and wear sleeveless clothing, pop on our shades and open the sunroof. I love days like this. Some people love cold weather and I got you, I do too, but I'm over it. I'm ready to not have to have a coat and a pair of socks on my feet. 

The girls and I went shopping this past Saturday while Joe went to meet his dad borrowing the power washer. We didn't power wash last year so this year the outside of the house is grody. If you live anywhere near the coast, you know how mold and mildew run rampant. We are getting ready to spray it down and start fresh.

After we chop down this birch tree, that sits entirely too close to our house, we are starting a raised garden this year. We have planted in pots and did well before. Last year, we planted right in the ground. The spot we planted into the ground though, has now been taken over with shade from trees getting larger in our yard. Now we must move the location. I love fresh herbs and veggies especially when I can walk outside and pick something from the ground. I cannot wait for fresh basil again. There is nothing better than fresh basil, tomatoes, mozzarella and balsamic reduction.

Last night was a night that will not happen again for a long time. UVA, The University of Virginia, and UVM, The University of Memphis, met in the tournament to see who made it to the Sweet Sixteen. I love sports and I am Alumi of The University of Memphis. I live in Virginia and we are huge Hoo Fans! SO, who could I pick to win. Well, I didn't. Virginia won though and I have to say I am excited. First time in over 20 years that UVA has made it the Sweet Sixteen!




            





         

             I really want to read this! ------->


Has anyone read these? They seem very interesting. I see Steal Like An Artist is a my library but not Show Your Work. Planning on picking up Steal tomorrow. 

I have a tube of lotion next to my kitchen sink you must pop the top to experience. Lately, I feel a pump would best fit my needs.I mean, it's not a huge deal but it kind of is. 

Have you smelled Caldrea's Mandarin Vetiver? Yum!


Who loves Netflix? We do! We got done watching Breaking Bad which was awesome and Aaron Paul is a doll. Now we have started to re-watch 24 as we gear up for the new season. Love Jack and CHLOE!!


This is what I watch going to bed. I love Magnum and I really never noticed how damn hot Tom Selleck was until I started watching this show. It's amazing how many actors and actresses wanted to be on this television show! Sharon Stone, Carol Burnett and Eugene Roche all show their face. 

Love this but it's been sold. :(

Trying this Blue Moon Ice Cream Shake.. Have you heard about these yet? I hadn't until my husband told me about them.


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