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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

Raspberry Cheesecake Latte

As usual, I am late to the party but as I was skimming Pinterest tonight I came across the Starbucks Secret Menu website and salivated to this. 

Doesn't look amazing and full of calories and fat? Mmmmm.... just what I need. 

Here’s the recipe:

  • Starbucks latte flavored with:
  • Flan syrup (3 pumps tall, 4 grande, 5 venti)
  • Cinnamon Dolce syrup (1.5 pumps tall, 2 grande, 3 venti)
  • Raspberry syrup (1.5 pumps, 2 grande and venti)
  • Caramel whip on top, flan drizzle optional

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