Acuity Valuation Neural Network
Acuity is a secure, cloud based workflow engine that harnesses the power of artificial intelligence (AI) and turns data into useful analytic insights to power the future of property valuations. Combined with the skilled knowledge of a valuation analyst, this intelligent machine learning platform leverages customized software and automated business processes as a hub to bring efficiency and confidence to real estate valuations. Acuity can be integrated with a variety of user interfaces and portals in a secure and compliant business environment.
Valligent is FISMA Compliant
The Federal Information Security Management Act (FISMA) of 2002 establishes security guidelines that federal agencies or those entities that utilize outsourced federal agency business, must adhere to FISMA. FISMA is one of the most important regulations for federal data security standards and guidelines. It was introduced to reduce the security risk to federal information and data.
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 2002, 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 has been leading the way in best practices and technology. Our extensive experience in Cloud computing, the Internet of Things (IoT), advanced analytics, FISMA Compliance, 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.
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 accurate (delete) portfolio valuation outcomes.
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.
Appraisal Underwriting Solutions
Our highly experienced team of appraisal underwriters specialize in the review of high risk appraisals (Collateral Underwriter Risk Scores 4 and 5) utilizing our national MLS data sources and local market analytics to produce comprehensive underwriting reports that specifically address all SSR risk flags, regulatory compliance and appraisal value validation.
QC and Regulatory Audit Solutions
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.
Forensic Valuation Review Solutions
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.
We have re-engineered the residential real property valuation process from start to finish employing innovative technologies and the most efficient workflows possible. The results are accurate, compliant, significantly lower cost and lightning quick solutions that are the first of their kind.
Our .net database structure defines and stores all relevant property information data fields necessary to thoroughly support a valuation. We have designed our technology to display this information in an unlimited number of formats, from standard appraisal forms to any client-specific custom format desired. Our proprietary forms engine can create custom formats in a matter of days.
Re-engineering an expansive and often complex system such as national residential real property valuation does not happen overnight. Valligent has been experimenting and refining best practices to achieve the most time and cost efficient compliant valuation for more than 15 years. The combination of our proprietary technology and thoroughly trained expert analysts is revolutionizing residential property valuation nationwide.