The next generation in alternative valuations
Non-QM Lending
Non-QM lending involves the underwriting and funding of residential mortgage loans that fall outside standard agency-qualified mortgage guidelines, including bank statement loans, DSCR loans, asset depletion loans, investor loans, and loans for self-employed borrowers.
Lenders evaluate borrower cash flow, alternative income documentation, property cash flow potential, collateral quality, and overall credit risk while maintaining investor, securitization, and compliance requirements.
How are Alternative Valuations used?
What Alternative Valuations are available?
Residential
Evaluation (REV)
For bank and credit union portfolio and home equity originations, and SBA lending.
Residential Broker Price
Opinion (BPO)
For default servicing, securitization, whole loan trading, PMI removal, and capital markets.
Residential Automated
Valuation Model (AVM)
For home equity originations, securitization, portfolio monitoring, and quality control.
Residential Property
Condition Report (PCR)
For home equity originations, servicing, portfolio monitoring and disaster area inspections.
Commercial
Evaluation (CEV)
For small balance originations, renewals, restructuring and subsequent transactions.
Multifamily
Evaluation (MEV)
For small balance originations, renewals, restructuring and subsequent transactions.
Alternative valuations help non-QM lending platforms improve speed, scalability, and valuation flexibility across diverse loan scenarios and property types. Automated valuation models (AVMs), desktop valuations, hybrid appraisals, rental analysis products, property condition reports, and inspection-based valuation solutions can reduce turn times, lower origination costs, and support collateral risk management for purchase, refinance, and investment property lending.
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To request a sample reports, fee schedules and other information.
What are Customers saying about Eval?
“We were always looking new evaluation vendors until we came across Eval.com. After that we told vendor mgmt. to stop looking because you do such an awesome job.”
SVP, Top 25 Regional Bank
“We found their evaluations to consistently support the value assigned and documented per the letter, and spirit, of the Dec 2010 interagency appraisal guidelines.
National Bank Examiner
“Ease of use, good communication if we had questions, quick response to revisions, and very helpful staff – a great experience!
Market President
“We continue to be impressed with the quality of the reports. The site is easy to use and your customer service is absolutely fantastic!
Real Estate Valuation Supervisor
A Smarter Way to Value
Request sample reports, fee schedules and a due diligence package.