James Earp Appraisal Service is your FHA certified appraisal company

James Earp Appraisal Service is NC state certified and on the FHA Roster of approved residential appraisers. We're qualified and approved to do reports for FHA insured loans. FHA's guidelines, documentation and policies may seem difficult to grasp, but the staff at James Earp Appraisal Service is well-trained on how to comply with the rules and regulations provided.

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

An FHA loan is underwritten by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). 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 defaults on his or her loan obligations. Applicable to all homebuyers, FHA loan programs are made to aid 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 lower income or less starting funds to put down on a mortgage are helped the most from Federal Housing Administration loan programs.