Home Equity
Home Equity Valuation Solutions
Five products providing dependable, defendable and compliant market values.
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We’ve got you covered when it comes to home equity valuation solutions
Multiple products to meet differing credit risk
Choice
We have AVM, broker/agent and appraiser-driven valuation products, giving you options to find the solution best for you.
Convenience
Intelligent Cascade, an automated “waterfall” product selector, gives you different product options depending on risk and underwriting criteria.
Compliance
All our home equity products meet interagency guidelines, and we’re always on top of regulatory trends.
Accuracy
All the benefits mean nothing if the value isn’t accurate. Intelligent Quality Control is our key to more accurate reports.
| Products | ValueFocus & CollateralPoint | Broker Market Value | Appraisal Desktop with Inspection (ADI) | Field Appraisals |
|---|---|---|---|---|
| Provides a Market Value | AVM Derived/Interactive AVM Derived | Real Estate Professional Derived | Appraiser Derived | Appraiser Derived |
| Subject property photos included |  | | | |
| Provides comments/market commentary | CollateralPoint | | | |
| Provides market forecast graphs and other trends | CollateralPoint | | ||
| Includes an Appraiser’s Signature | | | ||
| Cost | $ | $$ | $$$ | $$$$ |
Instant Home Value Estimate
White Paper
Home Equity Options for Profitable Lending
In our latest white paper, Leveraging Smart Home Equity Options for More Profitable Lending, we outline the current and forecasted state of lending and highlight the smart home valuation options from Stewart Valuation Intelligence Intelligence. With these solutions, lenders can better match a valuation solution to loan risk, which is part of a smart strategy for lenders in this competitive market.
Products
FAQs
Why does a home equity loan require a valuation?
Lenders require a valuation for every type of home equity loan. They do this to protect themselves from risk of default, in case you can’t repay the loan. It also protects the borrower by having a deeper understanding of your properties current value.
Who pays for the valuation on a home equity loan?
In most cases, the lender orders and pays for the valuation. Stewart Valuation Intelligence can help you control costs by offering different product options depending on risk and underwriting criteria.
Why can’t I just use an AVM to value a property for a Home Equity loan?
Prior to the 2008 housing crisis, most lenders used automated valuation models as a cost-effective solution for home equity valuations. Regulation post-crisis has made it so that property condition, in some instances, has to be confirmed to use an AVM.
I thought I could only use drive-by appraisals for home equity valuations?
Many companies can only provide appraisal-based solutions, limiting your choice. Stewart Valuation Intelligence offers AVM, Agent/Broker and Appraiser derived solutions and can match products to your need and credit-risk policy.
Is there a cost-effective way to add interior photos to a solution?
Stewart Valuation Intelligence’s VALIDITY homeowner guided inspection tool can be used in conjunction with many of Stewart Valuation Intelligence’s solutions to give you a view inside the property in question.
Originators
Offering full Appraisal Management Company (AMC) services and an array of due diligence solutions
Home Equity
A suite of valuation options, including Intelligent Cascade,
to match product to risk
Servicers
Products to meet your needs based on function, risk policy and investor/regulatory guidelines
Capital Markets
Collateral valuation and due diligence to support loan pool purchase, sale and securitization
Ready to get started with our team of experts?
Get in touch with us today to speak to one of our real estate valuation experts and learn how SVI can help your organization succeed.