Angela Kerns can do FHA appraisals

Angela Kerns is NC state certified and on the FHA Roster of approved residential appraisers. If you have an FHA-secured mortgage, be sure to contact Angela Kerns, as we are approved and certified to handle FHA appraisal reports. FHA's guidelines, documentation and policies may seem difficult to comprehend, but the staff at Angela Kerns 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-insured loan, it means it is insured by them. None of the funds are provided by the FHA; what the FHA does is make sure that the mortgage is secure in case the borrower defaults on his or her loan obligations. Accessible to all homebuyers, FHA loan programs are built to aid credit-worthy low-income and moderate-income families who do not meet requirements for conventional loans.

Down payments are often lower with an FHA loan despite using conventional market rates. Consumers with lower income or less starting capital to use as a down-payment on a loan are assisted the most from FHA loan programs.