Christina Pearson is your FHA certified appraisal company

Christina Pearson is NC state certified and on the FHA Roster of approved residential appraisers. This indicates that we are certified and approved by the FHA to do appraisal reports for house loans underwritten by them. FHA's guidelines, documentation and policies may seem difficult to understand, but the staff at Christina Pearson is well-trained on how to follow the rules and regulations provided.

If your loan is FHA certified, that means that the loan has been secured by the Federal Housing Administration, which is part of the United States Department of Housing and Urban Development (HUD). None of the funds are provided by the FHA; what the FHA does is ensure that the loan is secure in case the borrower defaults on his or her loan obligations. Low-income and moderate-income borrowers benefit from an FHA-insured financial transaction; the point of the Federal Housing Administration is to cooperate with credit-worthy consumers to meet expectations and requirements for lenders that they otherwise would not.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. The loan programs that the FHA provides are exceedingly useful to buyers with less starting capital.