Dennis B. Thomas is your FHA certified appraiser.

The FHA retains of approved appraisers for each state - Dennis B. Thomas is on the roster of approved appraisers for FL. He is qualified and approved to do reports for FHA insured loans. FHA's guidelines, documentation and policies may seem difficult to understand, but Dennis B. Thomas is well-trained on how to follow the rules and regulations provided.

An FHA loan is underwritten by the Federal Housing Administration, a federal organization within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan capital to borrowers, rather, it provides lending organizations with security with mortgage insurance in case the borrower does not pay his or her loan obligations. The FHA and their loan programs are designed to aid low-to-moderate income consumers 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. Purchasers with lower income or less starting money to use as a down-payment on a loan benefit the most from FHA loan programs.