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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

Prom Style: Sage Edition!










 A couple of weeks ago Sage tells me she is going to prom. She is just a sophomore so I was a bit concerned--- but quickly that changed when she told me she was going with a friend. This friend went my Douglas last year, Zoe. Such a beautiful girl!

Sage had a nice time, spent the night out and was very tired the next day--- I remember coming home after a night out at that age and sleeping ALL DAY. As an adult a late night doesn't equal sleep. You play through the tiredness and get in bed early that night. Do you have a coping mechanism to help with lack of sleep?

I hope you enjoy these photos. I enjoy watching these girls grow!

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