Multiple products to meet differing credit risk
|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|
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.
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.
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.
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.
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.
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.
Offering full AMC services and an array of due diligence solutions
A suite of valuation options and Intelligent Cascade to match product to risk
Products to meet your needs based on function, risk policy and investor/regulatory guidelines
Collateral valuation and due diligence to support loan pool purchase, sale and securitization
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