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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

Support Ronald McDonald House-- Southern Living Christmas Cookbook!

I am so glad to be partnering again with Ronald McDonald House Charities to bring support and awareness to this amazing charity that helps parents in such a scary and emotionally draining time of their lives. 

I wanted to share with you my favorite recipe this year from the Southern Living Christmas Cookbook you have to purchase in order to support this amazing charity!


Ingredients:

1/4 cup balsamic glaze
1 tablespoon whole-grain Dijon Mustard
2 Medium Granny Smith or Gala Apples-- cut crosswise into 10 (1/4 inch thick) Slices
1 Medium Lemon, halved
8 Ounces Smoked Gouda Cheese, Cut Into 1/16 w-Inch Slices
8 Ounces Thinly Sliced Italian Salami (Such as Sopressata)
Garnish: Fresh Basil Leaves

What to Do:

1. Stir together the balsamic glaze and mustard in a small bowl.
2. Rub the apple slices with the lemon halves. Top each apple with 1 slice of the cheese and 2 slices of salami. Drizzle with the glaze mixture. Garnish if desired. 


The Ronald McDonald House Charities of Richmond is partnering again with Dillard's on this Holiday season on this exciting fundraising campaign. This campaign benefits the families of seriously ill children so that they can have a comfortable haven near their hospitalized child at the Ronald McDonald House or Ronald McDonald Family Rooms at VCU and St. Mary's Hospitals. Last year, Ronald McDonald House Charities of Richmond provided small comforts to over 7,000 people and slated to provide more this year. 

For the 9th Year, Dillard's is offering a special, custom edition of Southern Living's Christmas Cookbook for $10. This exclusive, hard bound cookbook is filled with fabulous holiday recipes, menus, decorating tips and entertainment ideas. These cookbooks are availbe for purchase at the Dillards located both in Short Pump Mall and Stony Point Mall. Go---- get yours today and help Ronald McDonald House Charities of Richmond help these families in need. 

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