All City Appraisal

The FHA keeps a roster of approved appraisers for each state - All City Appraisal is on the roster of approved appraisers for CA. We're qualified and approved to do appraisals for FHA insured loans. FHA's guidelines, documentation and policies may seem difficult to grasp, but the staff at All City Appraisal is well-trained on how to follow the rules and regulations provided.

Be sure to contact All City Appraisal if you need an appraisal done for an FHA-secured loan.

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 loan, it means it is insured by them. The lending organization takes care of all the loaned money; the FHA simply secures the loan with mortgage insurance in case the borrower defaults on his or her loan. Low-income and moderate-income borrowers benefit from an FHA-secured loan; the purpose of the Federal Housing Administration is to assist credit-worthy consumers to meet expectations and necessities for lending organizations that they otherwise would not.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. Purchasers with lesser income or less starting funds to put down on a loan are helped the most from FHA loan programs.

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.96% 4.09%
15-yr Fixed 3.23% 3.4%
1-yr Adj 2.74% 3.4%
* national averages