All City Appraisal

The FHA retains of approved appraisers for each state - All City Appraisal is on the roster of approved appraisers for CA. All City Appraisal is qualified and approved to do appraisals for FHA insured loans. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

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

If your financial transaction is FHA certified, that means that the loan has been guaranteed by the FHA, which is part of the United States Department of Housing and Urban Development (HUD). The lending organization takes care of all the finances; the FHA simply backs the transaction with mortgage insurance in case the borrower does not pay off his or her loan. Low-income and moderate-income homebuyers benefit from an FHA-insured financial transaction; the point of the Federal Housing Administration is to assist credit-worthy buyers to meet expectations and qualifications 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. Those with lower income or less starting capital to put down on a loan are assisted the most from FHA loan programs.

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.55% 4.7%
15-yr Fixed 4.01% 4.22%
1-yr Adj 2.76% 3.42%
* national averages