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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

Try This: Create a Grits Bar and Help Ronald McDonald House Charities


I was recently contacted by the Ronald McDonald House Charities of Richmond who has partnered with Dillard's this holiday season to bring you an exciting fundraising campaign that benefits the families of seriously ill children so they may be comfortable while receiving treatment they desperately need from the hospital. No one wants to face the tribulations of having their children complete treatments or be admitted to the hospital but especially at this time of the year. This holiday season is a celebration of cheer but for many families this is just not so. 

The Ronald McDonald House in Richmond, VA

The Ronald McDonald House Charities of Richmond helps those facing emotionally taxing times by providing a safe place for the family to rest and regroup all the while being close to their child who is in need. The homes that The Ronald McDonald House Charity provides are built on the simple idea that nothing else but their family's child getting better should matter when a focusing on the health of the child. Not where they to stay or where they will get their next meal or where they will lay their head at night to rest. They believe when a child is hospitalized the love and support of family is as powerful as the strongest medicine prescribed. The services provided at the home includes home cooked meals, private bedrooms and playrooms for the children. 



I want to share a recipe from the 2014 Southern Living Christmas Cookbook so you can see just how wonderful the recipes in the book are. For only $10 you can help this wonderful charity continue to provide for families in times of need. 

You know I'm southern and you know I love me some grits. Slow cooked are definitely the best. Why not try this Christmas Morning this year of for your ladies brunch? I know everyone will be impressed with you thoughtfulness and the goodness of these grits.



SLOW-COOKER GRITS
Simply soak your grits the night before to simplify your morning.

Makes: 8 Servings 
Hands On Time: 10 Minutes
Total Time: 10 Hours, 10 Minutes

Ingredients: 

2 Cups uncooked stone-ground grits
1/4 Cup Heavy Cream (mmm)
2 Tbsp. Butter
1 1/2 Tsp. Table Salt
1/2 Black Pepper

Toppings:

Broiled Shrimp, Shredded Cheddar Cheese, Shredded Smoked Gruyere, Sliced Smoked Sausage, BBQ, 
Chopped Green Onion, Chopped Chives, Bacon, Caramelized Onion, Spinach

What To Do:

1. Stir Together grits in 6 Cups of water in a 5- or 6- qt. slow cooker. Let Stand 1 to 2 minutes, allowing grits to settle to bottom. Tilt cooker slightly; skim off solids using a fine wire-mesh strainer. Cover; soak 8 house or overnight.

2. In the morning, cover and cook grits on HIGH 2 house to 2 1/2 hours, stirring halfway through. Stir in cream and next three ingredients. Serve with desired toppings.



CREATE A GRITS BAR

Offer These Topping With a Few Staples


Bourbon Mushrooms: Melt 1/4 cup butter with 1/4 cup olive oil in a large skillet over medium heat; add 2 pounds sliced assorted fresh mushrooms, 3/4 tsp. salt, and 1/4 tsp. black pepper. Cook stirring occasionally, 12 to 15 minutes or until tender and almost all liquid has evaporated. Remove from heat. Stir in 1/2 cup bourbon or chicken broth; return to heat, and cook 2-3 minutes or until slightly thickened. Reduce heat to low; stir in 3 garlic cloves, minced; 2 Tbsp. chopped fresh parsley; and 1 Tbsp. chopped fresh thyme. Cook 1 more minute. Makes 8-10 servings.

Easy Creole Sauce: Saute 2 celery ribs, chopped, in 2 Tbsp. olive oil in a saucepan over medium heat 3-4 minutes until tender. Stir in 2 (14.5 oz.) cans diced tomatoes with green peppers and onion; 3 garlic cloves, minced; 2 tsp. Creole seasoning; and 1 tsp. sugar. Reduce Heat to low; simmer, stirring occasionally, 20 minutes. Stir in 2 Tbsp. chipped fresh flat-leaf parsley; 2 green onions, thinly sliced; and 1 tsp. hot sauce. Store in refrigerator up to 2 days. Makes: 3 cups.


Great Grits Combos

Boiled Shrimp + Easy Creole Sauce
Bourbon Mushrooms + Spinach + Swiss + Bacon

Chopped Ham + Shredded Cheddar
Caramelized Onions + Shredded Smoked Gruyere
Shredded BBQ Pork + BBQ Sauce + Sauteed Spinach

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