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. James Make & Associates is qualified and approved to do appraisals for FHA insured loans. FHA's guidelines, documentation and policies may seem difficult to comprehend, but the staff at James Make & Associates is well-trained on how to comply with 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-insured loan, it means it is secured by them. The lender takes care of all the loaned money; the FHA simply backs the loan with mortgage insurance in case the borrower defaults on his or her loan. Accessible to all buyers, FHA loan programs are made to assist credit-worthy low-income and moderate-income families who do not meet requirements for conventional loans.

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