OJ Appraisal LLC is your FHA certified appraisal company

The FHA publishes a list of approved appraisers for each state - OJ Appraisal LLC is on the roster of approved appraisers for AR. We're qualified and approved to do appraisals for FHA secured loans. FHA's guidelines, documentation and policies may seem difficult to grasp, but the staff at OJ Appraisal LLC is well-trained on how to comply with the rules and regulations provided.

If your financial transaction is FHA certified, that means that it has been secured by the FHA, which is part of the United States Department of Housing and Urban Development (HUD). None of the money in the loan is provided by the FHA; what the FHA does is ensure that the mortgage is insured in case the borrower defaults on his or her loan obligations. The FHA and their loan programs are created to help low-to-moderate income purchasers help meet credit requirements if they otherwise would not.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. FHA loan programs are particularly useful to those homebuyers with less available starting capital.