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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

Pino's Pizza: Boydton, VA

Out in the middle of almost nowhere is a quaint, Italian restaurant that serves some of the best pizza for your hungry tummies and has discovered how to make the best Italian Dressing EVER!

When you pull up to Pino's you can park in front or to the right is a large parking area. As soon as you walk through the front door, you will be greeted an sat right away. Tables and chairs are nothing to write home about but you have to remember where you are. Pino is busy in the back making scrumptious foods. The rooms smell heavenly and for the first time in a bit you will have wi-fi. The code is the phone number so plug right in.

The garlic bread and cheese sticks will quiet any child with an angry stomach. Soft drinks come in a can so ask for ice if you want a cup. Beer is served with a frosty mug and wine to the brim of your glass. Any of the pizza is great so pick away at the toppings you want to enjoy.

Douglas enjoyed the chicken parmesan although my mom couldn't get through hers on this last visit. Joe is always happy with the steak and cheese but he prefers it with the banana peppers. Make sure you get the salad bar even with the lack of items on it, make sure you pour some of the delicious Italian Dressing over your greens. If you are unsure which one is the Italian, don't be scared to ask.

The food is served very fast and you will wonder how they made it so quickly. Dig in and let me know what you think, will you?

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