Home Equity
Home Equity Valuation Solutions
Four highlighted solutions provide 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, including:
- HomeownerVal: A borrower-driven inspection using VALIDITY paired with an AVM.
- ValueFocus: An AVM enhanced with a professional inspection and property condition data.
- Appraisal Desktop with Inspection (ADI): A bifurcated appraisal completed by a licensed appraiser using professional inspection data and market analysis.
- Field Appraisals: Full appraiser inspections for higher-risk loans or complex properties.
Interested in more than valuation? Stewart Lender Services’ suite of Home Equity Solutions includes property data intelligence, credit & verification, and centralized title, settlement & closing options.
Choice
We have AVM 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
SVI’s VALIDITY Inspection App combined with Intelligent Quality Control are key to more accurate reports.
| Products | HomeownerVal (eVal) | ValueFocus (eVal) |
Desktop Appraisal with Inspection (ADI) | Field Appraisal |
|---|---|---|---|---|
| Market Value Provided | AVM Derived |
AVM Derived |
Appraiser Derived | Appraiser Derived |
| Inspection performed by: | Homeowner | Real Estate Professional | Real Estate Professional | Appraiser |
| Subject property photos included | ✔ | ✔ | ✔ | ✔ |
| Provides comments/market commentary | — | — | ✔ | ✔ |
| Relative Cost | $ | $$ | $$$ | $$$$ |
Instant Home Value Estimate
Blog Post
Leveraging Smart Home Equity – Options for More Profitable Lending
In our blog post, we outline smart home valuation options from Stewart Valuation 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.