The right valuation for every HELOC scenario
From instant AVMs to hybrid appraisals, to full traditional appraisals — choose the right valuation product for every loan scenario and close faster with confidence.
From simple to comprehensive
Every HELOC/HEI has different risk and complexity. Match the right valuation product to each scenario for optimal speed, cost, and confidence.
Estimated Value / AVM
Instant automated valuation model
- Instant delivery
- Multiple AVM sources
- Confidence score included
Virtual Inspection + AVM
Borrower-guided virtual property inspection with AVM analytics
- Borrower-guided photo capture
- Built-in QC & completeness checks
- Rapid turnaround
Exterior Inspection + AVM
Professional exterior inspection with AVM analytics
- Professional exterior inspection
- Observed condition & occupancy
- QC review
Interior Inspection + AVM
Licensed on-site interior inspection with AVM analytics
- Full interior photo documentation
- Condition & quality assessment
- QC review
Virtual Inspection + Desktop Appraisal
Appraiser-directed virtual inspection with desktop analysis
- Independent appraiser reconciliation
- Licensed appraiser opinion of value
- USPAP-compliant desktop appraisal
Exterior Inspection + Desktop Appraisal
Professional exterior inspection with desktop analysis
- Professional exterior inspection
- Licensed appraiser opinion
- USPAP-compliant desktop appraisal report
Hybrid Appraisal
Professional on-site inspection with appraiser analysis
- Full on-site property data collection
- Independent reconciliation
- USPAP-compliant appraisal report
Traditional Appraisal
Full field appraisal by licensed/certified appraiser
- Full interior & exterior inspection
- Fully developed opinion of value
- USPAP-compliant appraisal report
Not sure which product is right for your portfolio?
Our team will help you build a valuation strategy tailored to your HELOC/HEI program, risk appetite, and volume goals.
Talk to a SpecialistSelect, order, and close
Reggora makes it simple to choose the right HELOC/HEI valuation product and get results fast.
Assess the scenario
Evaluate loan amount, LTV, property type, and risk tolerance to determine the appropriate valuation tier.
Select the product
Choose from 9 valuation products ranging from instant AVMs to full traditional appraisals.
Place the order
Submit through Reggora's platform with automated vendor assignment and real-time tracking.
Close with confidence
Receive QC-reviewed, compliant valuations and close your HELOC/HEI loans faster.
Built for HELOC/HEI lending at scale
Faster Turn Times
From instant AVM results to appraisals completed days faster than industry averages.
Risk-Appropriate
Match valuation rigor to loan risk profile. No overpaying for unnecessary complexity.
USPAP Compliant
All appraiser-led products are USPAP-compliant with full QC review and documentation.
Single Platform
Manage all 9 valuation products from one platform with unified ordering, tracking, and reporting.
Compare all 8 products at a glance
Evaluate speed, complexity, and risk to find the best fit for each HELOC/HEI scenario in your portfolio.
| Product | Speed | Complexity | Risk Level | Inspection | Appraiser | USPAP |
|---|---|---|---|---|---|---|
| Estimated Value / AVM | Instant | Low | Standard | -- | -- | -- |
| Virtual Inspection + AVM | 1-2 Days | Low-Med | Standard | Virtual (Borrower) | -- | -- |
| Exterior Inspection + AVM | 2-3 Days | Low-Med | Moderate | Exterior (Pro) | -- | -- |
| Interior Inspection + AVM | 2-4 Days | Medium | Moderate | Interior (Licensed) | -- | -- |
| Virtual Insp. + Desktop Appraisal | 2-3 Days | Med-High | Moderate | Virtual (Appraiser) | Yes | Yes |
| Exterior Insp. + Desktop Appraisal | 3-5 Days | Medium | Moderate | Exterior (Pro) | Yes | Yes |
| Hybrid Appraisal | 3-5 Days | Medium | Moderate | Full On-Site | Yes | Yes |
| Traditional Appraisal | 5-7 Days | Low | Low | Full Int. & Ext. | Yes | Yes |
Find the right HELOC/HEI valuation for your portfolio
Our team will help you build a valuation strategy tailored to your HELOC/HEI program, risk appetite, and volume goals.
Talk to Sales