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. This indicates that we are certified and approved by the FHA to do reports for property loans insured by them. FHA's guidelines, documentation and policies may seem difficult to understand, but the staff at James Make & Associates is well-trained on how to follow the rules and regulations provided.

Contact us today if you need to get an appraisal done on an FHA-insured loan.

The FHA is the Federal Housing Administration, which is a federal agency in the United States Department of Housing and Urban Development (HUD) - if your loan is an FHA-secured loan, it means it is secured by them. None of the money in the loan is provided by the FHA; what the FHA does is make sure that the mortgage is insured in case the borrower doesn't pay their loan. The FHA and their loan programs are designed to benefit low-to-moderate income homebuyers help meet credit expectations if they otherwise would not.

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