At ValuFinders, we bring you the industry’s most reliable and comprehensive suite of valuation and collateral risk solutions, backed by the most trusted network of certified, FHA approved appraisers. Combining this in-depth expertise with our state-of-the-art technology, we provide proven and reliable real estate valuation and collateral risk solutions and services, including automated valuation models (AVMs), random appraiser selection, quality control reviews, inspections, collateral assessments, electronic ordering, tracking, managing and technology services to major corporations, and government agencies throughout the nation.

STANDARD RESIDENTIAL APPRAISAL PRODUCTS: The following reports are completed by certified and FHA approved appraisers. All of the reports are utilized for mortgage lending, acceptable to the secondary market. These products are compliant with all relevant Uniform Standards of Professional Appraisal Practice ('USPAP") guidelines. These products are defined by their scope of work and use Extraordinary Assumptions (as defined by USPAP) for the subject and comparable sales to determine market value as allowed by USPAP.

• Uniform Residential Appraisal Report (Fannie Mae 1004)
  This report form is designed lo report an appraisal of a Single Family Residence, including a unit in a planned unit development (PUD). This product includes an interior and exterior inspection of the subject property, no less than (3) closed comparable sales included, subject, neighborhood, site, improvements and sales data provided other items included are subject front, rear and street scene photos, comparable sales photos, an exterior sketch and a location map depicting subject and comparable sales.
  
  
• Individual Condominium Unit Appraisal Report (Condo). (Fannie Mae1073).
  This report form is designed to report an appraisal of a condominium based on an interior and exterior inspection of the subject property. This product includes a street map that shows the location of the subject property and all comparable sales, a sketch of the subject unit that must indicate interior perimeter unit dimensions rather than exterior building dimensions and clear, descriptive photographs that show front, rear (when available) and street scene of the subject properly.
  
  
• Small Residential Income Property Appraisal Report (Fannie Mae 1025).
  This report is designed lo provide an opinion of value for a two-to-four unit property. Details of the income and cash flow analysis are provided within the report that converts the income stream into a market value. This product includes a street map that shows the location of the subject properly as well as all comparable sales and rentals, an exterior building sketch of the improvements including dimensions, and an Operating Income Statement or a similar cash flow if property is an investment property. Also includes clear, descriptive photographs that show front, rear, and street scene of the subject property as well as the front of each comparable sale.
  
  
• Drive-by Residential Appraisal Report {Fannie Mae 2055)
  This report is designed lo report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This product is an exterior only product. Front subject photo and street photo and location map are included. This report uses public information Extraordinary Assumptions regarding interior details, square footage and condition. Report grids no less than three (3) comparable sales. Sales Analysis grid is completed similar to full URAR report. NOTE: Fannie Mae and Freddie Mac do not accept interior appraisals on form 2055.
  
  
• Exterior Only inspection individual Condominium Unit Appraisal Report {Fannie Mae 1075)
  This report form is designed to report an appraisal of a 1 to 4 unit in a condominium project or a condominium unit in a planned unit development (PUD) based on an exterior inspection of the subject property. This product includes a street map that shows the location of the subject properly and all comparable sales and clear, descriptive photographs that show front, rear photo (when available) and street scene of the subject property as well as the front of comparable sale.
   
• Desk Review
  The Desk Appraisal Review is completed by one of our HUD approved review appraisers.  The appraisal under review is analyzed to determine logic displayed in the support of value as well as the appraisal compliance with USPAP guidelines.  Data utilized in the review is derived from a variety of sources that are available to the public.  All additional data the reviewer utilizes is reported in the body of the completed review.  The form 2006 is utilized and includes the following: additional comments and data deemed appropriate and any limiting conditions.
  
  
• Field Review
  The residential field review is completed by one of our HUD approved review appraisers.  They utilize the four-page Form 2000.  The appraiser uses this form to confirm the accuracy of the data in the appraisal report under review and to provide an opinion of the appropriateness of the appraisal methods and techniques that the original appraiser used. 
  
  
• Appraisal Update and/or Completion Report (Fannie Mae 1004D).
  This report form is intended to provide an accurate update of a prior appraisal or to report a certification of completion. This report is used for two purposes: the Appraisal Update section is used to determine whether the market has declined since the effective date of the original appraisal. The Completion Report section is used to confirm and report requirements or conditions stated in the original appraisal report have been met. The report does not provide an update of an opinion of value or a new opinion of value.
  
  
• Single Family Comparable Rent Schedule (Single Family Rent) (Fannie Mae 1007).
  This product is used to determine the most probable, market rent for a conventional single family income-producing property by gathering and reporting comparable rental data.
  
  
• Operating Income Statement (OlS). (Fannie Mae 216)
  This form is used to determine the amount of operating income that can be used in evaluating the applicant's credit on applications for conventional mortgages that are secured by one-to four unit income producing properties (including those in which the applicant occupies one of the units as a principal residence).
  
  
• QC Score
  By utilizing the expertise of experienced review appraisers with a database of appraisal review performance, The QC Score product utilizes the ValuFinders valuation risk assessment system to identify high-risk appraisals to isolate potential over-valuation information and assist in protection against loss. This product is also available on a single order or on bulk basis. QC Score is used by originators as a front-end screening tool and by investors and lenders to screen whole loan pools to isolate high-risk collateral.
  
  
• QC Value
  This exclusive product of ValuFinders, Inc. combines a collateral assessment risk score with an AVM value within one report. With the QC Value report, a review appraiser completes two very important functions: he or she chooses an accurate AVM value estimate from an array of almost a dozen different AVMs and then completes a QC Value collateral risk score report.
  
  In addition to identifying the risk level score associated with a given appraisal, QC Value takes the process a step further by providing a certified AVM value to better assist the client in their lending decision process.  QC Value is designed for the utilization of lenders, credit unions, investors, mortgage companies and loan agents in any sector of residential mortgage lending as a tool to assist in managing collateral risk. QC Value is completed from the desktop eye of an experienced licensed review appraiser.
  
  The report is delivered with a list of comparable sales from the subject's market area.  A map indicating the location of the subject property and comparables’ location are provided as part of the report.  A three-year subject property sales history and other neighborhood demographic data is also provided for additional information.
  
  
• QC Trust
  The QC Trust AVM delivers an accurate and comprehensive residential property valuation report. Combining the almost a dozen of the industry's leading AVM models, QC Trust gives you a powerful report at one low cost.  It is designed to meet the needs of mortgage lenders, brokers, appraisers and investment bankers.  QC Trust can be used during every step of the lending process, from origination, underwriting and quality control, to servicing, portfolio review and default management.
  
  QC Trust generates an estimated point-of-value (with a confidence rating score), a listing of comparable sales, and a map of the location.  
  The comprehensive information provided by the QC Trust report offers a foundation on which you can reliably base underwriting decisions, mitigate collateral risk, reveal hidden equity, and review the performance of portfolios. 
  
  

Single orders can be placed online at www.valufinders.com and additional batch orders can be submitted by Excel spreadsheet