Need an appraisal for an FHA-backed mortgage? Call Thomas O'Brien

Rest assured that Thomas O'Brien is an FHA-certified appraisal practice in MD. If you have an FHA-insured loan, be sure to hire Thomas O'Brien, as we are approved and qualified to perform FHA reports. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

The FHA is the Federal Housing Administration, which is a federal agency in the United States Department of Housing and Urban Development (HUD) - if your financial transaction is an FHA-insured loan, it means it is underwritten by them. The FHA does not loan money to borrowers, rather, it provides lenders with security with mortgage insurance in case the borrower defaults on his or her loan obligations. Accessible to all buyers, FHA loan programs are built to aid credit-worthy low-income and moderate-income families who do not meet requirements for conventional loans.

The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. Buyers with lesser income or less starting money to put down on a loan are assisted the most from Federal Housing Administration loan programs.