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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

A Few of My Favorite Things With Minted

Have you heard about Minted? Minted is a community of independent designers in 48 states and 43 countries who share a deep love for creative expression, risk taking and paying it forward by helping one another!

Minted was an early pioneer in crowdsourcing. By soliciting contributions from the online community, Minted has held art and design challenges monthly since April 2008! These challenges are open both by submitting and voting. Minted's crowd curated products rating and utilizing analytics to evaluate votes. Those winning designs are the sold to the public and the artist who designed the winner is paid commission on each sale. In addition, the designer and artist can utilize the launch of any of their creations by using Minted's manufacturing, fulfillment and customer service capabilities to run their business, Sounds like an awesome plan to me!

Some of my favorite pieces available are these!
STARGAZERS BY MARIA GROMEK


BIG ONE BY HAILEY MYZIUK

BABY GIRAFFE BY JENNIFER POSTORINO

I am really in love with the Foil Art available! I really can see the Virginia Foil-Pressed Map


Also I am so impressed with their 2015 line of Kid's Birthday Invitations

With so many unique paper options and designs you will have to search no further. Don't forget Weddings and Holiday Cards too!





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