Need an appraisal for an FHA-backed mortgage? Call Hammontree & Associates, Inc.

We assure you that Hammontree & Associates, Inc. is an FHA-certified appraisal company in GA. We are qualified and approved to do appraisal reports for FHA secured financial transactions. FHA's guidelines, documentation and policies may seem difficult to understand, but the staff at Hammontree & Associates, Inc. is well-trained on how to work in accordance with the rules and regulations provided.

If your property loan is FHA approved, that means that it has been secured by the FHA, which is part of the United States Department of Housing and Urban Development (HUD). The lender provides all the loaned money; the FHA simply secures the loan through mortgage insurance in case the borrower defaults on his or her loan. The FHA and their loan programs are created to benefit low-to-moderate income consumers help meet credit requirements 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. FHA loan programs are particularly beneficial to those purchasers with less accumulated starting capital.