Zivka Ljutic

Zivka Ljutic is IL 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 property loans backed by them. We're trained and understand the rules and procedures in FHA's guidance and policy documents.

Be sure to contact Zivka Ljutic if you need an appraisal done for an FHA-secured loan.

If your home loan is FHA approved, that means that the loan has been guaranteed by the FHA, which is underneath the United States Department of Housing and Urban Development (HUD). The FHA does not loan funds to borrowers, rather, it provides lending agencies with protection by offering mortgage insurance in case the borrower does not pay his or her financial obligations. The FHA and their loan programs are designed to aid low-to-moderate income purchasers help meet credit requirements if they otherwise would not.

Down payments are often lower with an FHA loan despite using conventional market rates. Buyers with lesser income or less starting capital to use as a down-payment on a loan are helped the most from Federal Housing Administration loan programs.