Need an appraisal for an FHA-backed mortgage? Call Valuation Services

We assure you that Valuation Services is an FHA-certified appraisal company in TX. This indicates that we are certified and approved by the FHA to do appraisal reports for home loans underwritten by them. FHA's guidelines, documentation and policies may seem difficult to understand, but the staff at Valuation Services is well-trained on how to comply with the rules and regulations provided.

If your house loan is FHA certified, that means that the loan has been guaranteed by the Federal Housing Administration, which is underneath the United States Department of Housing and Urban Development (HUD). None of the money in the loan is provided by the FHA; what the FHA does is make sure that the mortgage is paid for in case the borrower defaults on his or her loan obligations. Applicable to all homebuyers, FHA loan programs are designed 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. Purchasers with lesser income or less starting funds to put down on a loan are helped the most from FHA loan programs.