Collateral Valuation and Appraisal Resources
Our goal is to purchase loans supported by the most reliable and appropriate collateral valuation methods available to mitigate the risk associated with default. We’re developing new and enhancing existing collateral valuation methods, while remaining cognizant of the integral role of appraisers and appraisal reports in the mortgage process.
Appraiser Quality Monitoring (AQM)
The goal of AQM is to improve appraisal report quality. We do this by identifying patterns of quality issues and communicating them to appraisers for training and educational purposes. Read about ways to improve appraisal report quality.
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Appraiser Resources
Spectrum of Valuation Options
Leverages our proprietary models, along with historical data and public records to determine the acceptability of the value and assess the condition and marketability risk.
Property information is physically collected on-site by trained property data collectors in the form of a property data report (PDR). Lenders review and submit the Uniform Property Dataset (UPD) PDR rather than an appraisal report.
An appraiser develops an appraisal report using reliable data and sources without a visual inspection of the property.
An appraiser develops an appraisal report using a UPD PDR and other reliable data sources.
An appraiser performs an on-site interior and exterior inspection of the property and uses reliable sources to develop an appraisal report.
