Valor Valuations is a nationwide property valuation company providing valuation, property condition, and collateral risk solutions for lenders, loan servicers, investors, asset managers, and other real estate professionals.

A distinguishing part of the company's model is its focus on U.S. military Veterans. Valor Valuations states that every order is touched by a Veteran and that its nationwide panel includes trained professionals providing local property and market insight. The company offers coverage across all 50 states.

Website: ValorValuations.com
​Phone: 877-74-VALOR
​Email: [email protected]

Valor Valuations offers several types of property valuation and condition reports. The appropriate product depends on how much detail is required, the purpose of the valuation, the desired turnaround time, and whether an on-site property inspection is needed.

An Automated Valuation Model (AVM) uses property data, public records, market information, comparable sales, and statistical modeling to estimate a property's value without requiring a traditional appraisal.

Valor Valuations works with multiple AVM providers and can create custom AVM cascades, where multiple valuation models are used to improve accuracy and increase the likelihood of obtaining a usable valuation. The cascade can be configured around factors such as risk tolerance, loan characteristics, and compliance requirements.

Valor also supports bulk AVM orders and structured data outputs for companies evaluating larger portfolios.

AVMs can provide a fast and cost-effective way to obtain an estimated property value, particularly when evaluating many loans or properties at once.

A Broker Price Opinion (BPO) is a property valuation completed by a licensed real estate professional with knowledge of the property's local market.

Valor Valuations provides BPOs for lenders, servicers, investors, and asset managers. The report uses local market information and comparable properties to develop an opinion of the subject property's value.

A BPO provides human analysis and local market knowledge while generally offering a faster and less expensive alternative to a traditional appraisal.

A Property Condition Report (PCR) provides an on-the-ground assessment of the current physical condition of a property.

Valor's PCR is completed by a trained local professional and includes property photographs, a condition summary, and observations concerning the property and surrounding neighborhood.

A PCR is particularly useful when an investor needs more than a database-generated property value and wants current information about what is actually happening at the property.

A Disaster Condition Report (DCR) is designed to evaluate properties that may have been affected by hurricanes, floods, fires, tornadoes, or other natural disasters.

Valor Valuations combines an on-site assessment by a trained local professional with information such as FEMA data and ground-level property photography.

For investors or servicers with properties concentrated in an affected geographic area, Disaster Condition Reports can help determine which assets may require additional investigation.

ValorView™ is Valor Valuations' base-level evaluation product.

It combines two components:

Automated Valuation Model (AVM) + Property Condition Report (PCR)

This gives the user both a data-driven estimate of value and current field information concerning the property.

ValorView may be useful when an investor wants more information than a standalone AVM but does not necessarily need the additional analysis associated with Valor's higher-level evaluation products.

Instead of relying exclusively on automated property data, ValorView adds boots-on-the-ground property information to the valuation.

ValorFlex™ adds professional valuation analysis to the combination of automated valuation technology and property inspection.

The product combines:

Interactive AVM + Property Condition Report + Valuation Analyst Review

A trained Valuation Analyst reviews and refines the information before the report is completed.

ValorFlex adds human judgment to automated property data and field observations.

This can be useful when additional confidence or context is needed before making a collateral or investment decision.

ValorFusion™ is Valor Valuations' most comprehensive eValuation product.

The report combines advanced property data, automated technology, AI-powered tools, market information, and analysis performed by a trained Valuation Analyst.

ValorFusion is designed to go beyond simply generating a property value.

The Valuation Analyst evaluates the available information and provides context and professional judgment to produce a more fully supported valuation conclusion.

Sometimes different valuation methods produce different answers.

For example, an investor might have:

Valor Valuations provides valuation review and reconciliation services designed to analyze these different sources and develop a single supportable value conclusion.

This type of review can be particularly useful when purchasing or selling mortgage notes where several different valuation sources are available and the parties need additional confidence in the collateral value.

Valor Valuations also provides GSE-compliant Property Data Collection services designed to support modern appraisal and underwriting workflows.

Trained field professionals collect standardized interior and exterior property information following Fannie Mae and Freddie Mac requirements.

The collected information can then be used with hybrid appraisals, desktop underwriting, and digital loan origination systems.

Valor Valuations also offers hybrid property valuation services that combine remote valuation analysis with information gathered through a local property inspection.

The objective is to combine the efficiency of desktop valuation work with verified field data from the subject property.

Hybrid valuations may be appropriate when a lender or investor wants stronger property-level verification without relying entirely on a traditional appraisal workflow.

The appropriate report depends on the transaction and the amount of collateral risk involved.

An AVM may provide an efficient starting point.

Consider a BPO.

Consider a Property Condition Report.

A Disaster Condition Report may provide additional information about potential property damage.

Consider ValorView™.

Consider ValorFlex™.

Consider ValorFusion™.

A Reconciliation or Valuation Review may help analyze the different valuation sources and establish a supportable conclusion.

For mortgage note investors, the underlying real estate is an important part of evaluating risk.

Property value can influence:

Property condition can be equally important. A property that appears valuable based on historical or automated data may have significant deferred maintenance, vacancy issues, or disaster damage.

Using the appropriate valuation product can help investors better understand the collateral behind a mortgage note before making an investment decision.

Valor Valuations combines its property valuation business with a mission to create opportunities for U.S. military Veterans.

The company recruits Veterans to participate in its nationwide property valuation and inspection network and states that military values such as discipline, integrity, and attention to detail are incorporated into its valuation process.

This Veteran-powered model is a central part of Valor Valuations' identity and differentiates the company within the property valuation industry.

For current product availability, report specifications, pricing, turnaround times, coverage, or ordering requirements, contact Valor Valuations directly.

Valor Valuations
​Website: ValorValuations.com
​Phone: 877-74-VALOR
​Email: [email protected]

Valor Valuations also provides separate online portals for clients and members of its Veteran vendor network.

Report features, requirements, and availability may change. Investors should confirm current specifications with Valor Valuations before ordering. Property valuations are one component of investment due diligence and should be evaluated alongside the loan documents, title information, payment history, property condition, and other relevant information.