Steve Ettien Appraisals, LLC.The FHA keeps a roster of approved appraisers for each state - Steve Ettien Appraisals, LLC. is on the roster of approved appraisers for PA. 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 grasp, but the staff at Steve Ettien Appraisals, LLC. is well-trained on how to work in accordance with the rules and regulations provided. Be sure to contact Steve Ettien Appraisals, LLC. if you need an appraisal done for an FHA-secured loan. An FHA loan is insured by the Federal Housing Administration, a federal organization within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders with security with mortgage insurance in case the borrower does not pay his or her loan obligations. Available to all purchasers, FHA loan programs are made to help credit-worthy low-income and moderate-income families who do not have the qualifications 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. FHA loan programs are extremely helpful to those buyers with less accessible cash. |