Harding Appraisals can do FHA loans

Harding Appraisals is TN state certified and on the FHA Roster of approved residential appraisers. We are qualified 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 your house loan is FHA certified, that means that the loan has been secured by the Federal Housing Administration, which is a branch of the United States Department of Housing and Urban Development (HUD). None of the money in the loan is provided by the FHA; what the FHA does is ensure that the loan is secure in case the borrower defaults on his or her loan obligations. The FHA and their loan programs are designed to benefit low-to-moderate income buyers help meet credit qualifications 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 FHA offers are excessively helpful to purchasers with less starting income.