Need an appraisal for an FHA-backed mortgage? Call Zerkel Appraisals

Zerkel Appraisals is MO state certified and on the FHA Roster of approved residential appraisers. This means that we are qualified and approved by the FHA to do appraisals 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 appraisal report for an FHA loan, please contact us, and we'll be able to help you right away.

If your loan is FHA certified, 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). The FHA does not loan capital to borrowers, rather, it provides lending organizations with safety with mortgage insurance in case the borrower defaults on his or her financial obligations. Available to all buyers, FHA loan programs are made to assist credit-worthy low-income and moderate-income families who do not have the qualifications for conventional loans.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. Consumers with lower income or less starting capital to use as a down-payment on a loan are assisted the most from FHA loan programs.