Automated Valuation Model
Get the latest real estate data and fast, accurate property estimates to help you objectively verify the value of the collateral and improve decision making.
Eliminate the Appraisal Headaches & Simplify Property Valuation
Automated Valuation Models (AVM) deliver access to an extensive database of property records, enabling you to lend with confidence – while reducing the risk of fraud and decreasing the stress and costs associated with manual valuation or full appraisal.
Fast, Accurate Assessment
Increase the accuracy and validity of your appraisal process. AVMs provide detailed local, regional, and national information to provide valuations within seconds.
Various AVM options provide you the flexibility to select the product that works for your lending operations and unique situation.
Freddie Mac’s Home Value Explorer (HVE)
Offers the most extensive coverage with its vast database property records backed by a unique proprietary algorithm that blends multiple model estimates. HVE generates a property estimate within seconds and consistently performs at the top in terms of coverage, accuracy, and reliability.
This automated AVM rapidly analyzes details about a home and selects the most appropriate calculation model. Reports indicate the probable accuracy of the AVM and estimate the property value.
By combining property-level data and market trending information with an in-person physical exterior inspection completed by an experienced professional with local market knowledge, PMC provides a comprehensive report of the property. This report includes multiple photographs, neighborhood conditions, home price index, and local sales activity to accurately evaluate the property value.
Brings together industry leading AVMs to deliver results in seconds. By evaluating geography, price tier, property type, subject property factors and other variables, this AVM solution selects the most appropriate valuation model, ensuring accuracy results that meets federal guidelines.
Using a rules-based system and a blended model, iVal analyzes the latest market sales of comparable properties. By leveraging council data, local sales data, property attribute data and Valocity generated data, this automated solution produces a predicted market value for residential properties.
Post-closing AVMs ensure that the home’s sale price was not influenced. Using modern lending technology, AVMs evaluate comparable sales, property attributes, tax assessments, and pricing trends.
Leverage the power of nearly instantaneous, data driven estimates to ensure the accuracy of a traditional appraisal. Unbiased, automatically calculated assessments so you know you are making the right lending decision.
Minimize Unnecessary Expense
Determine whether the property value support the borrower’s loan at prequalification, rather than investing time and resources into origination.
Evaluate LTV Before Underwriting
The lower the true loan to value (LTV) ratio, the safer the loan. Eliminate surprises at the properties appraisal by evaluating the properties value before a prospective borrower enters into a contract.
Reduce Origination Cost for HELOC, Second Mortgage, & More
AVMs offer an efficient and cost-effective appraisal option for qualified refinances, home equity lines of credit (HELOCs), portfolios of collateral, and more. In many cases, an AMV solution will meet the federal or investor guidelines for these mortgage products.
More Than Just a Score
At Certified Credit, we deliver more than just a score. We provide industry-leading information and analytics with the expertise and technology you can rely on to fuel your business.
- Credit Reports
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- Tenant Screening
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