Stewart Valuation Intelligence (SVI) continues to advance property data collection and valuation innovation with the next generation of its Homeowner Inspection solutions. Clients now have access to an enhanced suite of inspection options, built directly within the VALIDITY native mobile application.
This release delivers faster turn times, richer property insights and more flexibility for lenders and investors who need accurate data in today’s dynamic lending environment.
Smarter, Flexible Solutions for Modern Lending
The Homeowner Inspection suite allows borrowers to complete a verified property inspection from their own device, reducing cost and cycle time while maintaining the quality and compliance lenders expect. It’s ideal for:
- Home equity loans and lines of credit where a full appraisal may not be required
- Equity share and investment products that need verified condition data
- Portfolio monitoring and servicing where real-time property updates add value
- Alternative valuation models that combine digital floorplans and AVMs
By giving lenders four configurable options, SVI allows each client to choose the level of data depth that fits their risk tolerance and workflow:
- Homeowner Inspection (Standalone)
- Homeowner Inspection with AVM
- Homeowner Inspection with Digital Floorplan
- Homeowner Inspection with AVM and Digital Floorplan
Each inspection is performed by the homeowner through the secure VALIDITY app. The process ensures verified, geo-tagged photos, complete property data and rapid turnaround times that support faster loan decisions.
Advantages That Drive Confidence
The enhanced VALIDITY powered Homeowner Inspection offers tangible benefits for lenders and investors:
- Speed and Efficiency – Homeowners capture required photos and property data on their schedule, often completing inspections within hours.
- Data Quality and Accuracy – Real-time validation ensures complete image sets, accurate locations and full property coverage.
- Compliance and Bias Control – The app uses AI to identify and redact items that could introduce bias such as family photos or personal signage.
- Lower Costs – Eliminates the need for a field inspector in lower-risk scenarios while maintaining verified property intelligence.
- Broader Coverage – Enables lenders to collect data on properties nationwide through a single consistent process.
What’s New in the Updated Version
The new version of the Homeowner Inspection leverages the full functionality of the VALIDITY mobile application, providing:
- Real-time AI image recognition as homeowners take photos
- Automatic alerts and redaction for compliance issues
- AI-driven assessment of Condition and Quality ratings
- Detection of repairs, deferred maintenance and external influences
- Enhanced user interface for easier image collection and navigation
- Validation of photo location to confirm subject property accuracy
- Delivery to SVI’s quality assurance team for review before client delivery
The result is a more complete, reliable and flexible inspection experience that meets a wider range of lending needs.
Next-Move Ready for Appraisal Modernization
With this update, SVI continues to help lenders prepare for the next wave of valuation modernization. The new Homeowner Inspection combines human participation with AI-driven accuracy to deliver better data faster, supporting decisions across equity lending, home equity investments and portfolio management.
Stewart Valuation Intelligence remains committed to providing clients with Next-Move Ready tools that support modernization, efficiency and confidence in every valuation.
Ready to learn more? Contact your SVI representative or email solutions@stewart.com to see how the new Homeowner Inspection can power your next move.
