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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

Go Ape National Live Life Adventure Day

Go Ape invited me and my husband to try the Go Ape Treetop Adventure located in Williamsburg, Virginia in anticipation for Go Ape's National Live Life Adventurously Day that is this Saturday, September 27th.

What is Go Ape's National Live Life Adventurously Day, you ask? Every ticket purchased for this Saturday's event, Go Ape is donating one ticket to Big Brothers Big Sisters.  National Live Life Adventurously is your chance to get out of your comfort zone and make a positive change in your life while helping someone else! Who wouldn't want to do that?

How was it? So Awesome! The weather was perfect and the experience is one Joe and I won't forget. We arrived fifteen minutes before our schedule time slot. We filled out the necessary paperwork required and then looked around listening to sounds of those ahead of use enjoying the park. We heard exciting yays, claps and whoo hoo's. The experience of zipping through the trees brings it out in your.

Once we began our guide, Neil, instructed us on proper techniques and adjusted our safety harnesses. He guided us through the introduction zip line and when we were ready, he released us to our own devices. He didn't forget about us though. He was out there along the way making sure we were comfortable in what we were doing and the more we did, the more we were.

The Treetop Adventure has six sites along the way with tricky crossings that includes bridges and tunnels made from wood, rope, and super strong wire. I skipped the difficult rings course. We got a workout while we were there. Climbing up ladders made from rope, walking across tiny bridges while looking down as you hang from above and then zipping to the bottom in order to get to your next site. Super Fun! It was a blast. We feel extremely lucky to be asked to participate in this amazing adventure and sharing with you ur experience.

Step out of your comfort zone this weekend and share with Big Brothers, Big Sisters!














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