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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

Eat Sushiya: Williamsburg




The best sushi in Williamsburg, Virginia comes from Sushiya. Don't look any further than this small restaurant in a strip mall at Five Forks. Make sure you order the Lenny's! It is my absolute favorite. Be prepared for hot tuna is you order the Spicy Tuna. It is literally the hottest tuna I have even eaten. It's great- but it is HOT!


Joe and I met my long time friend Rita and her amazing husband Rob on Friday night. Her and I have the same birthday but one year apart and I won't talk about who is older. :) Her and I have both lived in a small, small town when we were younger too. We both attended St. Elizabeth's Catholic School in Clarksdale, MS and we both married men from Virginia. How crazy is that? Now, we both live in Williamsburg, Virginia

Sushiya is amazing, though. We love it. The clear soup is perfect and the sesame dressing rivals my hometown favorite. The kids meals are wonderful too with so much food! Ava loves the Yum Yum sauce and she prefers steak whenever she can get it.


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