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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 Dominica: Red Rock Haven Calibishie

Want to see the youngest island in the Lesser Antilles? Stay in Calibishie.  Stretching from the rugged mountains of Pennville, through the picturesque fishing village of Calibishie to the crashing surf of the Marigot beaches, the Calibishie Coast is one of the few areas in the world where you can travel from the seashore to the littoral forest to the rain forest in little more than a mile. Experience palm-fringed beaches, freshwater rivers with secluded bathing pools, tumbling waterfalls and the soft wonder of the rain forest with its exotic birds and lush vegetation, all in a days' walk.



Hike mountains of unspoiled tropical jungles and rainforests and check out the Sisserou Parrot, found only on this island nation. With only about 100 parrots who have survived natural disasters, habitat loss and trade, this parrot could be considered a rare gem.  See the world's second largest hot-spring, Boiling Lake, located in Morne Trois Pitons National Park. The hot-spring is filled with bubbling greyish-blue water normally enveloped in a vapor cloud. Be in the know, you must walk the 8 mile trek passing by sulfur springs, over mountains and passed gorges along the way. 

Dive? One of the top ten dive spots in the world, Dominica is fascinating to see underwater. With spectacular drops, a submerged volcanic crater and calm tropical fish, strap on your gear and submerse yourself in another world. You can feel the sea floor warm at your touch from volcanic, geothermal vents. 

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