Joyner Appraisal is available for your FHA work

Rest assured that Joyner Appraisal is an FHA-approved appraisal provider in NC. We're certified and approved to do appraisals for FHA insured financial transactions. FHA's guidelines, documentation and policies may seem difficult to grasp, but the staff at Joyner Appraisal is well-trained on how to comply with the rules and regulations provided.

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-secured loan, it means it is backed by them. None of the money in the loan is provided by the FHA; what the FHA does is ensure that the loan is paid for in case the borrower doesn't pay their loan. Accessible to all consumers, FHA loan programs are built to assist 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. Those with lower income or less starting money to put down on a loan benefit the most from FHA loan programs.