Services

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The Federal Housing Administration (FHA) is a United States government agency created as part of the National Housing Act of 1934. It insured loans made by banks and other private lenders for home building and home buying. The goals of this organization are to improve housing standards and conditions, provide an adequate home financing system through insurance of mortgage loans, and to stabilize the mortgage market. 

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.

These loans adhere to Fannie Mae guidelines.  Fannie Mae, or Federal National Mortgage Association, is a corporation created by the federal government that buys and sells conventional mortgages. Conventional loans can have better interest rates than non-conventional loans and can be a great option for those with a 20 percent down payment.

An estate appraisal provides a valuation for estate planning purposes and for settling an estate. Financial consultants or attorneys may need a property appraised for a variety of reasons.

In a relocation appraisal, the appraiser projects historical data into the future for the marketing period imposed by the client. Unlike mortgage appraisals, relocation appraisals have three key differences: an imposed marketing period, the necessity for forecasting, and the requirement to determine an anticipated sales price.

WHEDA stands for Wisconsin Housing and Economic Development Authority. WHEDA has mortgage programs tailored to individual needs, whether a person is purchasing or refinancing, and a first-time or a repeat buyer. To get a WHEDA loan, they list out six steps. Visit their website for more information and eligibility.

A USDA home loan is a mortgage loan offered to rural property owners by the United States Department of Agriculture. Types of USDA loans include guaranteed loan, direct loan, and rural repair and rehabilitation loan. Visit their website for more information and eligibility.

An appraisal of the property held by one or both partners is usually necessary to determine the value of the real estate that will be divided as part of your divorce property settlement. 

The appraisal of a multi-unit property is based on the sales comparison approach along with the income and cost approach to determine the fair market value of the property.

An appraisal done for an individual to establish fair market value of real property.

Land appraisal covers a wide variety of property types including agricultural land, woods, buildable lots, waterfront sites, and etc.