Keith Stone Appraiser is approved for FHA loans

Keith Stone Appraiser is CA state certified and on the FHA Roster of approved residential appraisers. This indicates that we are certified and approved by the FHA to do appraisals for property loans underwritten by them. Part of the regular training our staff at Keith Stone Appraiser receives deals strictly with decoding the FHA's documentation and their rules and procedures.

An FHA loan is secured by the Federal Housing Administration, a federal organization within the U.S. Department of Housing and Urban Development (HUD). The lending organization provides all the loaned money; the FHA simply secures the loan by providing mortgage insurance in case the borrower does not pay off his or her loan. Available to all consumers, FHA loan programs are designed to help credit-worthy low-income and moderate-income families who do not meet requirements for conventional loans.

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