James Make & Associates is your FHA certified appraisal company

Rest assured that James Make & Associates is an FHA-certified appraisal practice in TX. We are certified and approved to do reports for FHA insured loans. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

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.

The FHA is the Federal Housing Administration, which is a federal organization in the United States Department of Housing and Urban Development (HUD) - if your loan is an FHA-insured loan, it means it is backed by them. The lending company provides all the finances; the FHA simply backs the transaction through mortgage insurance in case the borrower does not pay off his or her loan. Accessible to all purchasers, FHA loan programs are formed to help credit-worthy low-income and moderate-income families who do not meet requirements for conventional loans.

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 FHA provides are exceedingly useful to purchasers with less starting income.