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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

Easy One Pot Bacon, Salami Pasta with Tomato and Basil

This pasta is a heaven send and so easy for these back to school meals we are all about to or are embarking on now. Made this last night and it was perfect. 

What You Need:


  • 12 ounces penne
  • 6-8 Slices cooked bacon, chopped
  • 6-8 Thick cut salami, chopped
  • 1 (28- oz.) can diced tomatoes
  • 2-3 cups beef broth
  • 1/2 medium-size yellow onion, sliced
  • 1 small zucchini chopped
  • 2 tbsp. Garlic diced
  • 1 teaspoon dried oregano
  • 1/3 cup firmly packed fresh basil leaves
  • 2 teaspoons kosher salt
  • 1 tablespoon olive oil
  • 1/4 teaspoon dried crushed red pepper (optional)
  • Freshly grated Parmesan cheese

  • TO DO:
  • 1. Place first 12 ingredients and, if desired, dried crushed red pepper in a Dutch oven or deep skillet in order of ingredient list. Cover and bring to a boil over medium-high heat (about 12 to 15 minutes). Reduce heat to medium-low, and cook, covered, 10 to 12 minutes or until pasta is slightly al dente, stirring at 5-minute intervals.
  • 2. Remove from heat. Cover and let stand 10 minutes. Stir just before serving. Serve with Parmesan cheese.

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