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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

Ahoy Galveston!






It has been too long since I took these photos! :(

What a great time we had about the Carnival Magic! Joe had never been on a cruise but I had years ago (20 to be exact and it was pretty much to the day when we set sail... isn't that strange? I didn't plan on it being like that.). Joe kept calling me the Cruise Expert because that is how he is. I was no Cruise Expert.

We didn't check our bags like almost everyone else did so we got to drag our luggage around for the first couple of hours we boarded the ship. Yes, we looked like newbies even if our Blue Cards didn't give us away. Instead of keys for your room or using and kind of money on board, Carnival has a Sign and Sail program. You are outfitted for the trip with your key, sort of like a credit card. This card opens your room, turns on your lights, gets you a table at dinner and of course gets you a drink!

Being a little gun shy like Joe can be when is in an environment he doesn't know, I picked out two lounge chairs on the Lido Deck and motioned for him to take a seat and chill. We were starving so I stood in a line at the Pizza Pirate. The pizza on the Carnival Magic is great. We snacked on a Quattro Formaggi and a Prosciutto. The pepperoni is good too. Servers are constantly walking around offering the daily drink special but we decided not to start too soon.

It was really no time before we were able to get into our room and unpack. After that we were required to attend out Muster Station safety program and then it was time to set sail!





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