collateral valuation report

8/13/2019 Collateral Valuation Report

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The Collateral Valua on Report (CVR) is a desktop applica on programthat is capable of valuing proper es as accurately as a URAR report for aslow as $150 and delivered to you in about 24 hours. This report is de-signed to be completed by a cer ed appraiser who has local areaknowledge of the neighborhood.

This appraisal report is ideal for:

Replacing BPOs

HELOCS

Por olio Analysis

Reviews

Li ga on

Private Home Valua ons

CVR integrates public records, MLS, ood, imagery and other relevant datadirectly to the report. In addi on, the appraiser can de ne the neighborhoodand use the most sophis cated analy cs available. Adjustments are supported,comparable sales and lis ng are ranked and scored and ul mately, all of thedata is available for an appraiser to interac vely provide the most supportablevalua on solu on.

Using a CVR, Collateral Valua on Report, to reduce collateral risk with sta s cally supported appraisals.

www.truehomevalua on.com—[email protected]—503 -939 -1893



Name of Borrower. The borrower’s nameis placed at the top for easy and quickidentication of the report.

Property Photo. The subject photo is onthe front page. This makes it easy to viewthe property and ensure it’s the correctproperty being used for collateral.

Executive Summary. The Collateral Valu-ation Report was designed so that the rstpage presents all the salient information inan executive summary format.

Date and Source of Photo. The date andsource of the photo is indicated to ensurerelevancy and reduce fraud.

Appraiser’s Identity Authenticated. Theidentity of all CVR Certied appraisers hasauthenticated by Appraisal Sentry using

“out of pocket” credentials.

Report Fraud Prevention. This technology iscalled “On Document Verication”. Encryptedin the data matrix is all the pertinent informationabout the appraiser and the report. If there isany indication of fraud, the data matrix can bedecrypted to reproduce the original report data.This is the same technology used by the postalservice to prevent mail fraud.

12-Month Value Forecast. Using eco-nomic data the value of the collateral isforecasted for 90,180, 270 and 360 daysout. The values are show as well as a trendchart for a better understanding of theanticipated values in the market and of thecollateral.

Appraiser’s Opinion of Value. The ap-praiser’s opinion of value and the effectivedate of the value are indicated.

Market Trends. The trends for sales andlistings for the market area are graphicallyshown in a chart for easy and better inter-pretation of the activity in the market area.

Neighborhood Demographics. The stan-dard neighborhood demographic informa-tion typically found on a 1004 is also foundon the CVR.

Market Area Graphically Illustrated. The market area is graphically illustratedon a map showing the subject and sur-rounding area.

Value Reconciliation. The value rangesin the market area, the indicated value byregression and the range are show in oneplace for easy reconciliation of the overallvalues in the market area.



Neighborhood Characteristics . Theneighborhood characteristics indicatinglocation, build-up and growth are shown.

12-Month Market Activity . Sales andlisting activity for the market area is tabu-lated for the last 12 months.

12-Month Market Activity Charts . Salesand listing activity for the last 12 months isgraphically displayed for fast, clear under-standing of the market.

Market Analysis Results . Importantmarket factors such as market absorption andmonths’ supply of housing in the marketare calculated and shown.

Listing Price to Sales Price Ratio . This

important indicator of market condition iscalculated quarterly and its trend chartedon the right.

12-Month Neighborhood Value Fore-cast . Using economic data, the value ofproperties in the market area areforecasted over a 12 month period.

Market Area Graphically Illustrated.Enlarged view of the boundaries of marketarea . Sales and listing within this area are used in the performance of the marketanalysis.

Area Location Map . The market area is graphically displayed on a location map tovisually illustrate the location of the sub-

ject and the market area relative to othersurrounding landmarks.



Regression Metrics . The actual measureof accuracy of the regression analysis is show in this table along with the indicatedconfidence of the appraiser in the metrics.

Components of Value . Regression canidentify the components of a propertythat contribute to its overall value . The value, its significance and whether thecomponent is acceptable is indicated inthis table.

Top 10 Sale Comparables . The sales areranked by an analytical process. The topcomparables in the market area to thesubject property are shown in the table.

Evaluation of Analysis . The appraiserrates the analysis and the goodness ofdata that went into the analysis process.

Regression Analysis . The collateralvaluation conclusion is supported by theregression analytics applied to sales andlisting data . Up to 500 sales with 3 year sales history may be analyzed during this process.

Scatter Plot . A picture is worth a thou-sand words and in this case the accuracy of the correlation of the actual sales priceto the predicted sales price is graphicallyillustrated.

collateral valuation report

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