ValHYBRID: The Next Generation of Appraisals
ValHYBRIDSM (Hybrid Appraisal) delivers reliable, efficient appraisals for single-unit and condominium properties using Fannie Mae® and Freddie Mac’s® hybrid appraisal forms (1004 Hybrid/70H and 1073 Hybrid/465H). Also, supports the GSEs’ inspection-based waiver solutions. ValHYBRID is designed to streamline the valuation process while maintaining the highest standards of accuracy.
Key Advantages of ValHYBRID
Consistent, Objective
Standardized data collection drives reliability and improves objectivity by limiting direct borrower-appraiser interaction.
Cost-Effective
Lower-cost alternative to traditional appraisals, reducing expenses for both lenders and borrowers.
Timely
Valuations completed in under 5 business days on average, advancing decision-making, underwriting, and loan closings.
Increased Appraiser Productivity
Qualified third-party inspectors handle data collection, maximizing appraiser focus on analysis and valuation.
Personalized, Nationwide Service
Benefit from the comprehensive reach of a national Appraisal Management Company (AMC) with personalized service on every order.
Eligible Transactions Per the GSEs*
Fannie Mae®
Forms: 1004 Hybrid and 1073 Hybrid
- Purchases, limited cash-out, or cash-out refinances
- Existing one-unit properties, including condos and PUDs
- Principal residences, second homes, and investment properties
- Properties under construction or with incomplete renovations
- Community land trusts and other resale price-restricted properties
- Texas 50(a)(6) loans
Desktop Underwriter® (DU®) will be updated on March 22, 2025 to reflect hybrid appraisal options.
Freddie Mac®
- Purchases, “no cash-out” and cash-out refinance transactions
- One-unit properties, including in a Planned Unit Development (PUD) or with an ADU
- Condominium Units (attached or detached)
Loan Product Advisor® (LPASM) will be updated on April 7, 2025 to reflect hybrid appraisal options.
* The lender will receive eligibility codes from the GSEs to know if they can order this product. Eligibility subject to GSE updates; refer to: Fannie Mae’s Selling Guide, B4-1.2-03, Hybrid Appraisals and Freddie Mac’s Guide, Sections 5602.4, 5604.1 and 5604.2.
How ValHYBRID Works
ValHYBRID uses a bifurcated approach to maximize valuation efficiency. Trained and vetted third-party professionals collect comprehensive property data (including ANSI floor plans) following the Uniform Property Dataset. A state-certified appraiser with local expertise then analyzes the data to develop a credible opinion of value— empowering informed loan decisions while ensuring compliance.
Interested in Learning More?
Speak With Our Team
877-490-0390