Portfolio Services Valuation Products
Portfolio Services offers a robust product and service menu to help you make informed decisions in your mortgage investment business. We will help you to identify various inherit risks within the mortgage loan, provide the solutions to help mitigate those risks and make informed investment decisions. Clients can order products at any time using our web-based proprietary PSI ^® technology.

Portfolio Services Valuation Products In-depth:
CASA Automated Valuation Model (AVM)
Automated property valuation which delivers instantaneous electronic value estimation with a confidence factor. PDF report includes a list of comparable sales and a location map.

Other AVMs available:

ValuScore
At the heart of this product lies a set of sophisticated techniques for automatically determining collateral valuation risk. We review information from our appraiser performance database, scan subject’s neighborhood for prior incidents involving the appraiser or subject property, generate an estimate of value using the CASA AVM, Value Point 4 or Power base 6 model, utilize the Case-Shiller Index® and consider the affect of regional and economic trends before assigning a risk rating to the underlying collateral valuation – the Risk Score. This numeric score is based on a 300 to 900 point scale with the lowest risk of overvaluation falling between 700 - 900.

Prop Score
Collateral risk assessment product combining ValuScore automated risk assessment tools with the experience of a skilled review staff appraiser. Individual appraisals are reviewed by skilled staff appraisers, who have exclusive access to our proprietary evaluation tools and databases. Comprehensive Prop Score reports are given an A-D rating and include analyst commentary. Prop Score report results identify and isolate higher risk collateral and overvaluations.

Prop Score Plus
Collateral risk assessment product combining ValuScore automated risk assessment tools with the experience of a skilled review staff appraiser. Individual appraisals are reviewed by skilled staff appraisers, who have exclusive access to our proprietary evaluation tools and databases. Comprehensive Prop Score Plus reports are given an A-D rating and include analyst commentary. Prop Score Plus report results identify and isolate higher risk collateral and overvaluations. Report also includes an appraiser assisted valuation for the subject property based on the attributes of the subject property.

Reconciliation
A review of one or more valuation products designed to provide an assessment of market value of the subject property. Using a staff of licensed and certified appraisers, many of which hold the Senior Residential Appraiser (SRA) designation from the Appraisal Institute, the appraiser reviews valuation results for various differences in characteristics in the products reviewed to determine the market value based on the data presented or available.

Broker Price Opinions
BPO drive by valuation provided by a local qualified real estate professional. Forms and data elements can be customized to client qualifications.

Property Inspection (Condition) Report
Drive by property inspection conducted by a qualified real estate professional to determine subject location and condition. The PCR includes a photo and is frequently used as an adjunct to an AVM.

Traditional Appraisal Products

Customized Products
Upon completion of an in depth analysis of the clients’ needs, a customized product will be developed to meet the specifications presented.

KnowledgeBank
Product Information