James Make & Associates

James Make & Associates is TX state certified and on the FHA Roster of approved residential appraisers. James Make & Associates is certified and approved to do reports for FHA secured loans. FHA's guidelines, documentation and policies may seem difficult to understand, but the staff at James Make & Associates is well-trained on how to comply with the rules and regulations provided.

Be sure to contact James Make & Associates if you need an appraisal done for an FHA-secured loan.

An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders with safety with mortgage insurance in case the borrower defaults on his or her loan obligations. The FHA and their loan programs are built to assist low-to-moderate income consumers help meet credit requirements if they otherwise would not.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. FHA loan programs are extremely helpful to those purchasers with less available cash.