KS Appraisal is your FHA certified appraisal company

Rest assured that KS Appraisal is an FHA-approved appraisal service in AZ. This indicates that we are qualified and approved by the FHA to do appraisal reports for house loans insured by them. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

An FHA loan is backed by the Federal Housing Administration, a federal agency that is a part of the U.S. Department of Housing and Urban Development (HUD). The FHA does not provide funds to borrowers, rather, it provides lenders with protection with mortgage insurance in case the borrower defaults on his or her loan obligations. Applicable to all consumers, FHA loan programs are built 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. The loan programs that the FHA provides are incredibly beneficial to buyers with less starting capital.