Paul Votta is your FHA certified appraisal company

Rest assured that Paul Votta is an FHA-approved appraisal firm in PA. We are certified and approved to do reports for FHA insured loans. 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 organization in the United States Department of Housing and Urban Development (HUD) - if your loan is an FHA loan, it means it is backed by them. The lending company provides all the loaned money; the FHA simply secures the transaction through mortgage insurance in case the borrower defaults on his or her loan. Applicable to all consumers, FHA loan programs are designed to aid credit-worthy low-income and moderate-income families who do not have the qualifications for conventional loans.

Typically, a buyer has to pay less of a down payment on an FHA-insured loan, while the rates remain standard market rates. Consumers with lesser income or less starting capital to use as a down-payment on a loan are helped the most from FHA loan programs.