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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

Visit Nashville: Eat Loveless Cafe


I've been to Nashville many times. I mean, I am from Memphis. Who hasn't been to or through Nashville if you weren't born and bred in Tennessee? For years it was always about Opryland and The Opryland Hotel. Then the Opryland theme park closed, a mall took its place and people started coming out of the woodwork to move to this once passed through without one thought of moving to it town.

Overnight it seemed like everyone under the age of 40 was flocking to Nashville. Movie stars, bloggers, small business owners, jewelry makers, etc.... Just like Asheville and Austin once were, Nashville has become the IT city for the moment. The town has become the fastest growing city in Tennessee and has overtaken Memphis as the largest city in the state.

So why is it I have never heard of the Loveless Cafe?

I really don't know. Even my grandparents who have been coming and going to this town for years--- my mother lived here for the first couple years of her life.

Well, I've been missing out because The Loveless Cafe has some of the best biscuits and grits I've ever eaten. I didn't even have to salt the grits! What???

I have to admit, I developed a small crush on our server. He asked if this was our first visit or were we returning. We were all newbies and let him know where we were from. Well he let us in on a little secret of his--- his great, great..... grandfather was Richard Pace who settled in Surry County Virginia in 1611. WHAT? His claim to fame was he warned the Jamestown Colony of the impending Powhatan raid on the colony that pretty much saved the colony from complete destruction! I am a history lover so his story sealed the deal with how great I thought he was. He was very knowledgeable and an incredible server. Our food was delivered quickly and the biscuits and homemade preserves were to die for.

I ordered the Southern Sampler minus the Country Ham double the bacon. I know, I know--- I'm from Tennessee and don't like Country Ham. I don't! Don't sue me. My eggs were pretty perfect because it is hard to get them exactly the way I like them--- over medium well done.

The rest of the group ordered a variety of breakfast items and they were all amazing. I don't think anyone left hungry.




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