Holt Appraising, Inc.

We assure you that Holt Appraising, Inc. is an FHA-certified appraisal service in NC. This indicates that we are certified and approved by the FHA to do reports for property loans underwritten by them. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

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 loan is FHA approved, that means that it has been secured by the Federal Housing Administration, which is underneath the United States Department of Housing and Urban Development (HUD). No part of the loan is provided by the FHA; what the FHA does is ensure that the mortgage is taken care of in case the borrower defaults on his or her loan obligations. The FHA and their loan programs are formed to help low-to-moderate income buyers help meet credit qualifications 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. Buyers with lesser income or less starting money to use as a down-payment on a mortgage benefit the most from FHA loan programs.