Independent Appraisal Services is your FHA certified appraisal company

We are happy to say that Independent Appraisal Services is an FHA-certified appraisal company in MO. We're certified and approved to do reports for FHA secured financial transactions. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

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 financial transaction is an FHA loan, it means it is insured by them. The FHA does not loan capital to borrowers, rather, it provides lenders with protection by offering mortgage insurance in case the borrower does not pay his or her loan obligations. The FHA and their loan programs are designed to assist low-to-moderate income consumers help meet credit expectations if they otherwise would not.

Down payments are often lower with an FHA loan despite using conventional market rates. The loan programs that the FHA offers are excessively helpful to purchasers with less starting capital.