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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

Favorite Summer Looks Now

I love this time of the year. It's sticky. The pool is hot. The river calls my name and even the ocean is cool and crisp. Now with the recent shark attacks, please do be careful but it does feel amazing. 

I am loving these pullovers. This is my next buy!

Black, simple and cool. 

Flowy, sheer and Bohemian

Show off your awesome bra or bikini top. 

Love Lisa Marie Fernandez


Now, this time of year does call for a bit more shower taking- please. Sticky and sweat do not smell good together and that is why I like these looks. Cool and flowing freely. 

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