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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

See: Annapolis, Maryland


This past weekend took us into Annapolis, Maryland. What a quaint, beautiful small town. With old world charm, cute boutiques and The United States Naval Academy, Annapolis is the spot to see in Maryland. An old seaport entrenched in history, I felt humbled to step foot on the ground of the Naval Academy. So many amazing people have fought for our lives here in America so we remain free and able to say what we want, pray for who we want and live our lives the way we see fit. 

Ava's swimming has been so amazing for the family and shown us so much of the East Coast we love. We relaxed, ate some wonderful foods and more ice cream than needed. 






The Capitol of Maryland





It was chilly but Ava says her backpack was pulling on her neck. This is her attempt to fix it. 




My girls before the last meet on Sunday. Not sure who the fella in the back is. 


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