Ramey Appraisal is your FHA certified appraisal companyRamey Appraisal is CA state certified and on the FHA Roster of approved residential appraisers. If you have an FHA-secured mortgage, be sure to hire Ramey Appraisal, as we are approved and qualified to produce FHA reports. FHA's guidelines, documentation and policies may seem difficult to comprehend, but the staff at Ramey Appraisal is well-trained on how to follow the rules and regulations provided. Be sure to contact Ramey Appraisal if you need an appraisal done for an FHA-secured loan. An FHA loan is insured by the Federal Housing Administration, a federal agency that is a part of the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan funds to borrowers, rather, it provides lenders with protection by offering mortgage insurance in case the borrower defaults on his or her loan obligations. The FHA and their loan programs are designed to aid low-to-moderate income purchasers help meet credit qualifications if they otherwise would not. Down payments are often lower with an FHA loan despite using conventional market rates. Buyers with lower income or less starting money to put down on a mortgage are assisted the most from FHA loan programs. |