Smith Appraisal Service is your FHA certified appraisal company

Smith Appraisal Service is MT state certified and on the FHA Roster of approved residential appraisers. If you have an FHA-insured loan, be sure to get with Smith Appraisal Service, as we are approved and qualified to perform FHA appraisals. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

If your financial transaction is FHA insured, that means that it has been secured by the Federal Housing Administration, which is underneath the United States Department of Housing and Urban Development (HUD). The FHA does not loan funds to borrowers, rather, it provides lending organizations with protection with mortgage insurance in case the borrower does not pay his or her loan obligations. The FHA and their loan programs are built to assist low-to-moderate income purchasers help meet credit expectations if they otherwise would not.

Typically, a buyer has to pay less of a down payment on an FHA-insured loan, while the rates remain standard market rates. FHA loan programs are extremely useful to those purchasers with less available starting capital.