Freddie Mac Home Value Calibrator

A home value tool for pre- and post-funding quality control

Product Overview

Following the financial crisis, it is more important than ever that lenders identify appraisals or other collateral valuations that are potentially inflated to minimize repurchase risk. By offering Freddie Mac's Home Value Calibrator® (HVC), Equifax can assist lenders and investors in identifying loans that may need further evaluation, improving underwriting efficiency and reducing the number of resources required for appraisal or valuation QC.

HVC is a quality control tool that measures the risk that an appraisal, or other estimate of a property value, exceeds the actual market value by at least 10 percent. It combines the precision of an automated valuation model (AVM) with a statistically based scoring model to deliver a score that can help identify loans with potentially inflated collateral valuations.

The value to your business:

  • Assess conformity risk associated with a given property by examining exterior photographs and comprehensive property characteristic data
  • Streamline your quality control sampling methodology
  • Identify trends by tracking up to four loan characteristics
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