Collateral Valuations

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Products & Services

100% HVCC Compliant

At Equity National, we are familiar with the intricasies of the Home Valuation Code of Conduct. We have invested time to thoroughly understand it's terms and implications as they pertain to our industry. In the spirit of the Code, we have implemented the procedures and technologies necessary to support our clients whether they are warehouse or wholesale lenders, correspondent lenders or brokers, banks, mortgage companies, or credit unions to ensure that they too are 100% HVCC comliant and meet all new regulations.

Secure Collateral a division of Equity National

In response to customers asking EN to expand its service area, the company began in 2005 a three year investment to deepen its capabilities and competencies to support national business. Equity National broadened its menu to include new products and services to its product line, and purchased an appraisal management company based in Jacksonville, Florida—Secure Collateral.

Greater confidence in your lending decision

Secure Collateral's primary focus is to ensure our clients receive a credible value opinion enabling them to make a sound lending or asset management decision. Our internal practices and processes are 100% Home Valuation Code of Conduct [HVCC] compliant. The quality appraisal products we provide to our customers comply with USPAP (Uniform Standards of Professional Appraisal Practice), FIRREA (Federal Institution Regulatory Reform and Enforcement Act) and all federal regulatory requirements. We offer a full range of valuations and appraisal products on a nationwide basis, including desk and field reviews, FHA and REO appraisals, and BPO’s (Broker Price Opinions).

Appraisal Services

Secure Collateral offers a comprehensive suite of traditional appraisal products for those instances when a BPO or other automated valuation product is not sufficient. We provide national coverage of these products through our extensive network of state licensed real estate appraisers. This network of professional appraisers is a proven resource, which provides high quality appraisals in rapid response time. Upon request from a Client Partner, we have the ability to custom design their appraisal reports to meet their specific requirements.

Complete Appraisal (“Full”)/Uniform Residential Appraisal Report: “URAR” (Form 70/1004)
FHA Appraisals
REO Appraisals
Manufactured/Modular Homes - Real Property (Form I004C/70B)
Condominium Units (Form 1073/465)
Co-Op Units (Form 2090)
Small Residential Income Properties/2-4 Units (Form 1025)
Quality Control Reviews / Desk Reviews and Field Reviews (Form 2000/2000A)
Limited Appraisal (“Drive-by”)/ FNMA (Form 2055, 1075 & 2095)
Developed Lot/Land Appraisal
Property Inspections (Form 1004D/442 or Forms 2070, 2075 and HUD 1038)

Other Appraisal Products

Appraisals on commercial and mixed-use properties and residential properties with 5 or more dwelling units can also be provided.

Broker Price Opinion (BPO) (FHLMC Form 1092)

Related Links

The Appraisal Foundation www.appraisalfoundation.org
Not-for-profit organization for informing the public and appraisers on appraisal standards, appraiser qualifications and standards of ethical conduct in all valuation disciplines to assure public trust in the valuation profession. Provides industry news, state regulatory information and resources for locating an appraiser.

The Appraisal Subcommittee www.asc.gov
National registry of real estate appraisers with links to state regulatory agencies.

The Appraisal Institute www.appraisalinstitute.org
International Membership association of professional real estate appraisers with 26,000 members and 91 chapters throughout the world. Site provides resources for locating appraisers for assignments and industry news and trends in appraisal practice.

Fannie Mae www.efanniemae.com
Site provides industry news and updates for lenders and appraisers as well as guidelines for underwriting and reporting appraisals. Links to the current version of acceptable Fannie Mae appraisal forms are provided.

Freddie Mac www.freddiemac.com
Provides lending guidelines for seller-services and appraisal guideline information.

FHA www.hud.gov
Provides resources for finding FHA approved appraisers and information on FHA appraisal and lending guidelines.

Appraisal Buzz www.appraisalbuzz.com
“A newsletter designed to keep the real estate appraisal professional and lending community plugged into what’s happening in the world of appraising.”