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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

Best Cheesesteak in Williamsburg

Want the best Cheesesteak in Williamsburg? Fear not! I have found it for you so you no longer need to search! I am so sweet, aren't I?

Rick's Cheese Steak Shop located at  Prince George Street near Colonial Williamsburg is the spot. The servers are great and always seem so happy. Lunch normally offers a special but I can tell you the large sandwich is plenty for two. 

I love their fries but the last I was there and tried the cheese fries--- not impressed. I like to dip my fries in ketchup not smothered in gooey cheese. 

Check out their menu here



I've gotten a bit obsessed with PicArt and their filters. Sorry. 


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