James & Associates is your FHA certified appraisal companyThe FHA maintains of approved appraisers for each state - James & Associates is on the roster of approved appraisers for NV. James & Associates is certified and approved to do reports for FHA secured financial transactions. We're trained and understand the rules and procedures in FHA's guidance and policy documents. If you need an appraisal for an FHA loan, please contact us, and we'll be able to help you right away. An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lending agencies with security by offering mortgage insurance in case the borrower defaults on his or her loan obligations. Available to all purchasers, FHA loan programs are created to aid credit-worthy low-income and moderate-income families who do not have the qualifications for conventional loans. The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. The loan programs that the Federal Housing Administration provides are incredibly helpful to buyers with less starting capital. |