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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

Christmas Cookie Night










My friends and I, along with my mom, have a cookie night every year around Christmas. I'm sure many of you reading do the same thing. It's fun isn't it? Mom made chili and our friend Ron brought some pizza. The parents were in charge of bringing cookies instead of making them from scratch as we have done in the past and I brought these.  Although we had around one hundred cookies, the kids decorated about five and decided it was time for Ghost's in the Graveyard. We decided to cut down on the numbers next year. 

It's sad in a way when the kids begin to age. The magic of Christmas is not there anymore and I feel as if the childhood moments of my children are fading. We are entering a new phase of celebrating Christmas and I'm looking at booking a cruise next year. I guess there is really a time in place for everything but looking back as I do with Little Bits of the Past, the sweet, smiling faces of toddlers from the Fisher household are no longer. Now I have sweet, smiling pre-teens and teens.

Hope everyone has a Happy Holiday! 


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