The Modern Valuation Toolkit
Beyond the traditional appraisal—Marketwise manages the full spectrum of GSE-approved valuation products, from property data collection to AVM fulfillment, so your team can close loans faster with the right product for every transaction.
Appraisal modernization is here. Your AMC should be ready.
Fannie Mae and Freddie Mac have fundamentally expanded the collateral valuation landscape. Lenders can now originate eligible loans using GSE-approved property data reports in place of traditional appraisals for eligible transactions. These options may reduce cost or cycle time when permitted by agency guidance and the lender's policy. AVMs, desktop appraisals, and hybrid products now give lenders additional ways to match the valuation scope to the transaction.
Marketwise manages the full product spectrum. Our vetted data collector and appraiser panel, Appraisal Scope platform, and experienced operations team are built to fulfill the right product for the right transaction—and to help your team understand when each one applies.
Valuation Spectrum
Six fulfillment paths, matched to the assignment.
AVM
Instant algorithmic estimate
AVM + PCR
AVM with condition verification
Desktop Appraisal
Appraiser analysis, no site visit
Property Data Report
On-site data collection, no appraisal
Hybrid Appraisal
Data collection + appraiser sign-off
Full Appraisal
Licensed or certified appraiser report
Marketwise fulfills across the full spectrum.
Fannie Mae & Freddie Mac Property Data Programs
Both GSEs now offer inspection-based appraisal alternatives for eligible loans. Marketwise manages property data collection and report submission for both programs through our vetted, UPD-trained data collector network.
Value Acceptance + Property Data
PDC — Property Data Collection
For eligible loan casefiles identified by Desktop Underwriter (DU), Fannie Mae allows lenders to originate without a traditional appraisal. A trained, vetted data collector completes an on-site property data collection—capturing interior and exterior conditions, floor plan, photographs, and all property characteristics required by the Uniform Property Dataset (UPD) standard. The completed collection is submitted to Fannie Mae's Property Data API before the note date. No appraisal is obtained. Marketwise handles data collector assignment, on-site collection, quality review, and API submission end to end.
Eligibility is determined through Desktop Underwriter feedback
A trained property data collector documents the subject property
The property data collection does not include an opinion of value
Program and delivery requirements remain subject to current Fannie Mae guidance
Marketwise handles Fannie Mae Property Data API submission
Property Data Report
ACE+ PDR — Automated Collateral Evaluation + PDR
For loans receiving an ACE appraisal waiver through Loan Product Advisor (LPA), Freddie Mac's ACE+ PDR program allows lenders to originate eligible purchase and refinance transactions without a traditional appraisal. A trained property data collector completes an on-site PDR per the Uniform Property Dataset (UPD) standard—capturing interior and exterior conditions, building sketches, floor plans, and a standardized photograph set. A PDR is not an appraisal and does not include an opinion of value. Marketwise handles data collector assignment, collection review, quality control, and bACE API submission according to the program requirements in effect for the transaction.
Eligibility is determined through Loan Product Advisor feedback
A trained property data collector documents the subject property
The property data report does not include an opinion of value
Program and delivery requirements remain subject to current Freddie Mac guidance
Marketwise handles Freddie Mac bACE API submission
Right-size every transaction
Every loan is different. Marketwise fulfills across the complete alternative valuation product set—matched to your loan type, risk tier, and GSE eligibility.
Automated Valuation Model (AVM)
Best for: Home equity lending, portfolio monitoring, low-risk refinances
AVMs deliver data-driven property value estimates using mathematical modeling, historical sales, tax records, and comparable data—with no site visit and no appraiser. Marketwise provides AVM products with confidence-score outputs so your team can evaluate the estimate alongside the model's indicated reliability. When an institution's configured confidence threshold is not met, the workflow can escalate to AVM + PCR, desktop, hybrid, or full appraisal based on the lender's policy and transaction requirements.
AVM + Property Condition Report
Best for: Home equity decisions requiring current condition verification
Pairs an AVM value estimate with an exterior property condition report completed by a field inspector—adding current photographs, observable condition flags, and neighborhood context to an algorithmic valuation. Depending on the transaction, applicable rules, and the lender's written policy, this combination may support an evaluation workflow when a full appraisal is not required. Marketwise manages AVM ordering, inspector assignment, PCR completion, and combined report delivery as a single integrated workflow.
Desktop Appraisal
Best for: Refinances, DU/LPA-eligible purchases, lower-risk transactions
An appraisal completed by a licensed or certified appraiser using public records, MLS data, tax records, and permitted third-party sources—without an appraiser site visit. When the transaction and agency feedback permit a desktop product, Marketwise manages appraiser assignment, quality review, required portal submission, and delivery of the available submission results.
Hybrid Appraisal (1004H / 1073H)
Best for: DU/LPA-eligible loans where property data collection is complete
Combines an on-site property data collection with a licensed or certified appraiser's remote analysis and opinion of value. The appraiser reviews the collected data, photographs, and floor plan without personally visiting the property. When the transaction and agency feedback permit a hybrid product, Marketwise coordinates the data collector, collection review, appraiser assignment, required portal submission, and final delivery.
Matching the product to the transaction
A quick-reference guide for the most common loan scenarios.
| Loan Scenario | Recommended Product | GSE Program | Key Requirement |
|---|---|---|---|
| DU flags Value Acceptance + Property Data | Fannie Mae PDC | Value Acceptance + Property Data | On-site UPD collection before note date; Fannie Mae Property Data API submission |
| LPA flags ACE+ PDR eligible | Freddie Mac PDR | ACE+ PDR | UPD-format report; bACE API submission before loan delivery |
| Home equity — low LTV, strong comp data | AVM | N/A | Confidence score review; cascade protocol if threshold not met |
| Home equity — condition verification needed | AVM + PCR | N/A | Exterior inspection + current photographs |
| Refinance — DU/LPA eligible, no site visit | Desktop Appraisal | DU / LPA | UCDP submission; CU or LCA scored |
| DU/LPA eligible — PDC already completed | Hybrid Appraisal | 1004H / 1073H | Prior UPD-compliant PDC required; UCDP submission |
One partner, every product
Regardless of which valuation product your loan requires, Marketwise manages the same end-to-end workflow—consistent process, one point of contact, every order type.
01
Product Identification
You submit loan details and GSE feedback. We confirm the eligible valuation product and configure the order accordingly.
02
Vendor Assignment
We assign the right resource—a trained data collector, certified appraiser, or field inspector based on the product.
03
Fulfillment
The assigned professional completes the data collection, on-site inspection, or remote analysis per GSE guidelines.
04
Quality Review & API Submission
Every product passes our compliance review. For GSE programs, we handle Fannie Mae or Freddie Mac API submission directly.
05
Delivery to Your LOS
The completed report and required documentation are delivered to your platform of choice with revision support included.
Not sure which product fits your loan?
Our team understands DU, LPA, GSE guidelines, and investor overlays. Talk to us before you order—we'll identify the right product, confirm eligibility, and manage fulfillment end to end.