Kimberly DiRoberto is approved for FHA mortgages

Kimberly DiRoberto is PA state certified and on the FHA Roster of approved residential appraisers. This means that we are qualified 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 grasp, but the staff at Kimberly DiRoberto is well-trained on how to comply with the rules and regulations provided.

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 loan is an FHA-insured loan, it means it is backed by them. The FHA does not provide funds to borrowers, rather, it provides lending agencies with protection with mortgage insurance in case the borrower does not pay his or her loan obligations. Available to all buyers, FHA loan programs are designed to help credit-worthy low-income and moderate-income families who do not have the qualifications for conventional loans.

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