Capital City Valuation is your FHA certified appraisal company

Capital City Valuation is California state certified and on the FHA Roster of approved residential appraisers.  Capital City Valuation is qualified and approved to do reports for FHA insured financial transactions. FHA's guidelines, documentation and policies may seem difficult to grasp, but the staff at Capital City Valuation is well-trained on how to follow the rules and regulations provided.

If you're in need of an appraisal for an FHA loan, please contact us, and we'll be able to help you right away.

An FHA loan is backed 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 financing - the FHA simply backs the transaction by providing mortgage insurance in case the borrower does not pay off his or her loan. The FHA and their loan programs are designed to benefit low-to-moderate income homebuyers by easing credit requirements. Unlike the VA appraiser panel, the lending organization working with FHA is allowed to select the appraiser.

Typically, a buyer has to pay less of a down payment on an FHA-insured loan, while the rates remain standard market rates. Buyers with lower incomes or less starting money to use as a down-payment on a loan benefit the most from FHA loan programs.