James Make & Associates is your FHA certified appraisal company

James Make & Associates is TX state certified and on the FHA Roster of approved residential appraisers. If you have an FHA-insured mortgage, be sure to get with James Make & Associates, as we are approved and qualified to produce FHA reports. FHA's guidelines, documentation and policies may seem difficult to grasp, but the staff at James Make & Associates is well-trained on how to comply with the rules and regulations provided.

If you're in need of an appraisal report for an FHA loan, please contact us, and we'll be able to help you right away.

If your loan is FHA approved, that means that the loan has been secured by the Federal Housing Administration, which is a branch of the United States Department of Housing and Urban Development (HUD). The FHA does not loan capital to borrowers, rather, it provides lending agencies with security by offering mortgage insurance in case the borrower defaults on his or her loan obligations. Low-income and moderate-income homebuyers benefit from an FHA-secured financial transaction; the point of the Federal Housing Administration is to aid credit-worthy potential buyers to meet expectations and qualifications for lending agencies that they otherwise would not.

Typically, a buyer has to pay less of a down payment on an FHA-insured loan, while the rates remain standard market rates. The loan programs that the Federal Housing Administration provides are exceedingly beneficial to consumers with less starting capital.