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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

The Only Christmas Cookie Recipe You Will Ever Need

Last Christmas, we visited my family's farm in Rogersville, Tennessee and stayed at the Hale Springs Inn. What a beautiful place filled with so much history! I'm not going to veer too far off course here though, we are talking about cookies! Well, My Aunt Sallie had made these cookies for our celebration and I fell in love. They are simple to make and though take like a regular butter cookie when you first bite into it, after you let it simmer and melt into your mouth, you want more. I would suggest these to anyone who is trying to watch their weight because you can't just eat one. 



What You Will Need:

A Cookie Press
Sheet Pans

Ingredients:
1 Cup Unsalted Butter (softened)
1 Cup White Sugar
1 Egg
1 Tsp. Vanilla
3 Cups Self Rising Flour
Pinch of Salt

Preheat Your Oven to 350 Degrees.

Mix First Four Ingredients
Add flour, one cup at a time. You will need to mix by hand the last cup. 
Roll onto a cylinder and dive into three sections.
Press into Cookie Press. 
You should be able to get at least nine cookies on a small cookie sheet. They don't rise that much.

Bake about 8 minutes. 10-12 minutes the edges with brown.
You will want to let them cool but they are amazing fresh out of the oven.

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