Need an appraisal for an FHA-backed mortgage? Call Independent Appraisal

Independent Appraisal is CA state certified and on the FHA Roster of approved residential appraisers. If you have an FHA-insured loan, be sure to get with Independent Appraisal, as we are approved and certified to perform FHA appraisal reports. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

An FHA loan is secured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The lending company takes care of all the finances; the FHA simply insures the transaction through mortgage insurance in case the borrower defaults on his or her loan. The FHA and their loan programs are built to help low-to-moderate income consumers help meet credit requirements if they otherwise would not.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. Those with lower income or less starting money to put down on a loan benefit the most from FHA loan programs.