The Virtual Appraisal

The Virtual Appraisal is our patent pending proprietary 1004/70 appraisal that leverages a video streaming inspection and sophisticated data integrations to yield a full interior, compliant appraisal to meet the demands of the fully digital mortgage


No appraiser has to visit your property. We offer a completely virtual experience.


Appraisals in 2 days! We offer the fastest appraisal process available.


Compliant. We are compliant with CDC and Appraisal Regulation Guidelines.


Cost Savings. Our virtual process saves money and is as much as 50% lower than traditional appraisals.

Complies with GSE/Agency COVID-19 guidance for Desktop Appraisals  |  As part of a special GSE pilot for all first mortgage origination appraisals

Virtual Appraisal Process


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Virtual inspection

Available Appointment Times Within 1 Hour of Appraisal Order


Virtual inspection conducted

45 Minutes


Compliant Appraisal Completed

Finished Within 6-8 Hours

Excellent Borrow Experience

  • Does not need to take time off from work
  • Inspections completed according to borrower/realtor schedule
  • Simple web-calendar to schedule appointment
  • No late or missed appointments by appraiser
  • No stranger entering home
  • Social Distancing compliant! Appraiser does not enter the home.
  • Inspector virtually walks through home using our proprietary smart phone technology
  • Provides homeowner peace of mind

Virtual Inspections

Real-time, live-streaming video, with experienced employee virtual inspectors following Interagency Guidelines. Online scheduling tool facilitates an immediate inspection initiated with a simple text sent to the homeowner/agent


Advantages of the Virtual Property Inspection

  • COVID-19 (CDC Compliant) as no one enters the home
  • No late or missed appointments by appraiser
  • Un-biased (3rd party) interior and exterior property condition and feature description assessment
  • All condition items, attributes and amenities documented
  • Property characteristics verified
  • Eliminates the risk of photographic fraud relating to interior inspections and property identification
  • Provides homeowners/agents with a very positive customer experience

Virtual Inspection uses…

  • With an AVM or Evaluation for equity lending
  • With a desktop appraisal under GSE COVID-19 flexibility guidelines
  • REO property inspections
  • Re-inspections of appraisals made “subject-to”
  • Occupancy inspections
  • PMI removal valuations



QVM-Insights combines the industry's leading AVM from Quantarium with Valligent's Virtual Inspection technology to provide a highly confident value determination that is validated by an interior inspection.  The only equity lending valuation solution that complies with Interagency Guidelines – not assuming average condition as done with all exterior-only inspection solutions.  QVM utilizes artificial intelligence computer vision to out-perform all other AVMs on the market.


Our valuation models, repeatedly proven the industry’s most accurate, are supercharged with a self-learning AI engine that is constantly becoming smarter and more accurate as quality and quantity data are fed into it. QVM’s AI engine has resolved the industry’s long standing AVM performance constraints to offer customers authentic competitive advantage. Historically, the AVM industry has only offered customers improved precision and coverage through sacrificing coverage to increase precision, or, inversely, improving coverage by reducing model precision. Quantarium’s state-of-the-art AI and computer vision technologies break through these constraints, driving QVM’s unprecedented simultaneous improvements in both precision and coverage. At the same time, the fidelity of QVM’s proprietary computer vision capabilities can offer specific subject property condition status, over competitors’ ubiquitous average condition model assumptions.

Reasons a financial institution might order a QVM-Insights include:

  • Home equity loans and home equity lines of credit of less than $400,000
  • REO property (Real Estate Owned property)
  • Foreclosures
  • Short sales
  • Appeals to release PMI (Private Mortgage Insurance)

Valligent's Virtual Inspection


Valuation Services

Our technology platforms bring dependability, efficiency and accuracy to the valuation ecosystem, helping to improve the customer experience.


Fundamentally, residential appraisals for first mortgages have not changed in over 30 years. Valligent has made a variety of breakthroughs in technologies and processes that are driving fundamental transformation of the residential appraisal and mortgage industry as a whole. Leveraging propriety patent pending processes, Valligent is significantly altering the status quo by reducing cycle times and decreasing costs while increasing quality standards.


Since its inception in 2003, Valligent has established itself as a leader in Equity Lending valuations. Years before the Interagency Appraisal and Evaluation Guidelines provided specific valuation requirements for loans of $250,000 and less, Valligent consistently leads the way in best practices and technology. Our extensive experience in Cloud computing, the Internet of Things (IoT), advanced analytics, mobile applications, digital platforms and artificial intelligence (AI) is providing new ways to engage customers, reduce cost and improve efficiency. This all translates to finely tuned workflows, highly trained valuation analysts and service levels measured in minutes, not weeks.

Learn more

Lenders are experiencing significant losses in Mortgage Default Servicing due in part to property disposition decisions based on inaccurate valuations. The collateral valuation tools typically utilized are woefully inadequate and often biased, resulting in unnecessary losses. Valligent’s innovative valuation solutions incorporate proper market analysis and strongly supported value conclusions, which are critical aspects of loss mitigation.


The loan portfolio securitization market requires exceptional confidence in the underlying collateral. Valligent is an innovator in portfolio analysis, bringing to the table new valuation technologies and systems that coupled with our many years of securitization expertise result in highly accurate, time and cost efficient portfolio valuation outcomes.

Compliance Solutions

Regulatory scrutiny is at an all-time high, and Valligent provides an innovative and proven approach to collateral compliance from origination through investor sale. Thorough underwriting of the high-risk appraisals at the origination alleviates surprise appraisal costs throughout the loan life cycle.


From a Quality Control standpoint, Valligent can help our lender and investor clients avoid the mistakes of the past through quality control audits, prior to funding reviews, and Appraisal Management Company and panel management services.


Valligent has extensive experience in the role of unbiased arbiter and investigator in loan put back recommendation and defense. Our team of highly experienced forensic reviewers leave no stone unturned in determining the true market value at a given point in time, and our conclusions are backed up with rock solid support.