James Harris is your FHA certified appraisal companyJames Harris is OR state certified and on the FHA Roster of approved residential appraisers. James Harris is certified and approved to do appraisal reports for FHA secured financial transactions. We're trained and understand the rules and procedures in FHA's guidance and policy documents. Be sure to contact James Harris if you need an appraisal done for an FHA-secured loan. An FHA loan is underwritten by the Federal Housing Administration, a federal organization 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 protection through mortgage insurance in case the borrower does not pay his or her loan obligations. Applicable to all consumers, FHA loan programs are formed to aid credit-worthy low-income and moderate-income families who do not have the qualifications for conventional loans. Down payments are often lower with an FHA loan despite using conventional market rates. The loan programs that the Federal Housing Administration provides are extremely beneficial to consumers with less starting capital. |