Marlene HirshfieldMarlene Hirshfield is CA state certified and on the FHA Roster of approved residential appraisers. This means that we are certified and approved by the FHA to do appraisal reports for house loans underwritten by them. FHA's guidelines, documentation and policies may seem difficult to comprehend, but the staff at Marlene Hirshfield is well-trained on how to follow the rules and regulations provided. If you're in need of an appraisal 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 agency in the United States Department of Housing and Urban Development (HUD) - if your loan is an FHA loan, it means it is underwritten by them. No part of the loan is provided by the FHA; what the FHA does is ensure that the mortgage is paid for in case the borrower doesn't pay their loan. Applicable to all purchasers, FHA loan programs are made 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 Federal Housing Administration provides are extremely useful to consumers with less starting income. |