Pine State Appraisals is your FHA certified appraisal company

We are happy to say that Pine State Appraisals is an FHA-approved appraisal provider in GA. Pine State Appraisals is qualified and approved to do appraisals for FHA insured financial transactions. FHA's guidelines, documentation and policies may seem difficult to comprehend, but the staff at Pine State Appraisals is well-trained on how to work in accordance with the rules and regulations provided.

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 loan, it means it is backed by them. None of the funds are provided by the FHA; what the FHA does is ensure that the mortgage is secure in case the borrower defaults on his or her loan obligations. Low-income and moderate-income borrowers benefit from an FHA-backed loan; the point of the Federal Housing Administration is to assist credit-worthy consumers to meet expectations and requirements for lending organizations that they otherwise would not.

Down payments are often lower with an FHA loan despite using conventional market rates. FHA loan programs are incredibly helpful to those homebuyers with less accessible starting capital.