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Graham Appraisal is your FHA certified appraisal company

The FHA publishes a list of approved appraisers for each state - Graham Appraisal is on the roster of approved appraisers for KY. If you have an FHA-secured mortgage, be sure to contact Graham Appraisal, as we are approved and certified to produce FHA reports. FHA's guidelines, documentation and policies may seem difficult to comprehend, but the staff at Graham Appraisal is well-trained on how to work in accordance with the rules and regulations provided.

If you're in need of an report for an FHA loan, please contact us, and we'll be able to help you right away.

If your house loan is FHA insured, that means that the loan has been guaranteed by the Federal Housing Administration, which is a branch of the United States Department of Housing and Urban Development (HUD). The FHA does not provide funds to borrowers, rather, it provides lending organizations with protection by offering mortgage insurance in case the borrower defaults on his or her financial obligations. Low-income and moderate-income borrowers benefit from an FHA-insured loan; the point of the Federal Housing Administration is to cooperate with credit-worthy buyers to meet expectations and requirements for lending agencies that 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 helpful to those buyers with less available cash.