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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. Lucia: Smuggler's Nest

St. Lucia has been described as the Hawaii of the Caribbean with lush rain forests, tall mountains and volcanic capabilities. Mount Gimie is the tallest of the mountains on the island but the Pitons are the most famous. If you are looking for a laid back island trip with scenery that will knock your socks off, St. Lucia might just be the place you are looking for. 

Smuggler's Nest


Smugglers Nest is a rustic and remarkably picturesque 2 bedroom villa located on St Lucia’s water’s edge with incredible views of Smugglers Beach, Pigeon Island and the stunning north coast.

This beautiful home has been designed in which the airy indoor rooms blend seamlessly with the astonishingly furnished al fresco terraces and extravagant gardens surrounding it. Smugglers Nest is an absolute sanctuary which offers complete privacy.

Smuggler's Nest has been stylishly furnished with  Indonesian pieces and soft white sofas. The master bedroom has a four poster bed with a  huge tub for two, get romantic in here. Many small patios off the bedroom give incredible 180 degree views of the ocean. The second bedroom is located on the ground floor. Two classic living areas; one for lounging and the other serves as a TV room/library with cable television. The open plan dining area is adjacent to a well appointed kitchen. A  series of open patios funnels air from the ocean in to keep you cool. Although there is no air conditioning, the trade winds are constantly flowing through the property and there are ceiling fans and portable fans. 

 The lagoon style pool is surrounded by botanical gardens with many different kinds of palms, trees and perfect flowers. A series of foot paths for gentle strolls lead down the cliff side to an absolutely beautiful Gazebo. Check out the beautiful sunsets and enjoy a drink or book. 


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