James Earp Appraisal Service

James Earp Appraisal Service is NC state certified and on the FHA Roster of approved residential appraisers. If you have an FHA-secured mortgage, be sure to get with James Earp Appraisal Service, as we are approved and certified to produce FHA appraisal reports. A portion of the regular training our staff at James Earp Appraisal Service undergoes deals exclusively with comprehending the FHA's documentation and their rules and procedures.

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

If your loan is FHA insured, that means that it has been guaranteed by the FHA, which is underneath the United States Department of Housing and Urban Development (HUD). No part of the loan is provided by the FHA; what the FHA does is make sure that the loan is paid for in case the borrower defaults on his or her loan obligations. Accessible to all purchasers, FHA loan programs are designed to help credit-worthy low-income and moderate-income families who do not meet requirements for conventional loans.

Down payments are often lower with an FHA loan despite using conventional market rates. Buyers with lower income or less starting money to put down on a loan are helped the most from Federal Housing Administration loan programs.