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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

Little Bits of the Past

This picture showed up in my Facebook feed and it makes me feel as if the kids are growing too fast! I miss when Douglas wasn't working every night and driving a car (but still loving some Mountain Dew it seems). I miss when Sage and Ava were so tiny and both only wanted to sleep downstairs in the basement on the couch so they could be closer to their sister. This was a week when my best friend from Nashville came to visit. Her kids are Jayden, the one pouting and Parker on the scooter. 

Time flies gals, guys. One day you are spoon feeding your baby and then they are driving you around. 

Comments

  1. what a great summertime pictures and yes, time goes by too quickly...you can really see how fast in your own kids...wish it would slow down!

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  2. Love the name of your blog! It took me a minute to realize your FIVE things are your kids! They are cute here, and more grown up in the next post, too.

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  3. Oh, the same thing happens with grandchildren...yesterday Lorelei was in diapers, today she is 6 years old going on 16! It happens way, way to fast.

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