ValHYBRID

Efficient & Reliable GSE-Compliant Hybrid Appraisals

ValHYBRID: The Next Generation of Appraisals

ValHYBRID^SM (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^®

Forms: 70H and 465H

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^® (LPA^SM) 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.

Form 1004 Hybrid and 1073 Hybrid are appraisal solutions of Fannie Mae^®. Desktop Underwriter^® (DU^®) is a trademark of Fannie Mae®. Form 70H and 465H are appraisal solutions of Freddie Mac^®. Loan Product Advisor^® (LPA^SM) is a trademark of Freddie Mac®. All Rights Reserved.

Interested in Learning More?

Speak With Our Team

877-490-0390