Need an appraisal for an FHA-backed mortgage? Call Kaluzne & Company

Kaluzne & Company is GA state certified and on the FHA Roster of approved residential appraisers. This means that we are qualified and approved by the FHA to do reports for property loans backed by them. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

If your house loan is FHA approved, that means that it has been guaranteed by the FHA, which is a branch of 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 ensure that the mortgage is paid for in case the borrower doesn't pay their loan. Low-income and moderate-income borrowers benefit from an FHA-insured financial transaction; the point of the Federal Housing Administration is to cooperate with credit-worthy potential buyers to meet expectations and qualifications for lending agencies that they otherwise would not.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. FHA loan programs are extremely helpful to those purchasers with less available cash.