Sunshine AppraisalsSunshine Appraisals is GA state certified and on the FHA Roster of approved residential appraisers. Sunshine Appraisals is qualified and approved to do appraisals for FHA insured loans. FHA's guidelines, documentation and policies may seem difficult to grasp, but the staff at Sunshine Appraisals is well-trained on how to follow the rules and regulations provided. If you're in need of an report for an FHA loan, please contact us, and we'll be able to help you right away. An FHA loan is backed by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not provide funds to borrowers, rather, it provides lending agencies with security through mortgage insurance in case the borrower does not pay his or her financial obligations. The FHA and their loan programs are designed to assist low-to-moderate income homebuyers help meet credit expectations if they otherwise would not. Typically, a buyer has to pay less of a down payment on an FHA-insured loan, while the rates remain standard market rates. The loan programs that the Federal Housing Administration provides are extremely useful to purchasers with less starting capital. |