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Collateral Investigator
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The Collateral Investigator

The industry’s most powerful solutions package for comprehensive property information. Review appraisals for accurate valuations and fraud. Easily access subject and comparable property details for transparency of collateral throughout the life of the loan.

Don’t Review Without It

FNC has bundled its most powerful analytics—Appraisal Score, Property Scan™, and QC Vigilance—into one turbo-charged review solution: Collateral Investigator.

Ideal for Review, Underwriting, and QC, Collateral Investigator has everything you need to accurately and easily review all the properties backing your loans. With this robust analytic solution, you can know the true value of real estate in your portfolio—use it for in-depth appraisal report analysis and to access complete details about the subject property and its comparables.

  • Check sales activity
  • Identify foreclosures or flips
  • Access neighborhood information
  • Generate a value range
  • Confirm that the most appropriate comps were selected
  • And so much more

Ensure the quality of an appraisal or broker price opinion after thorough analysis of the properties that back your loans – only with Collateral Investigator.

Your Bundled Toolkit Includes:

  • Appraisal Score*
    Evaluate how closely the appraisal complies with FNC’s powerful Generally Accepted Appraisal Rules™ (GAAR®). A score (0-1,000), generated from the results, gives reviewers a quick reference point; the higher the score, the stronger the compliance. Any broken rules are listed on a summary report, so you can see the details that need closer attention. Manually reviewing appraisals is costly and time consuming, and not all appraisals require the same level of review. Being able to instantly identify potentially weak or poorly supported appraisals and focusing efforts only on those can mean significant savings in both time and money.
  • Property Scan
    Streamline multiple data sources for the subject and comparables into one thorough analysis report. Property Scan provides real property characteristics, legal description, sales history, county tax information, recent and historical comparable sales, and much more.
  • QC Vigilance
    Quickly gauge the quality of the appraisal backing a loan by assessing the comparables selected. With QCV, users can compare the subject property and comparables listed on the appraisal to those found in the National Collateral Database™ and then generate a value range, an interactive map plotting the subject and comparables, and a detailed report.

*GAAR
FNC’s Generally Accepted Appraisal Rules™ (GAAR®) technology is the foundation on which Appraisal Score is built, enabling you to automate and streamline the review of appraisal reports. GAAR is comprised of two rule sets: Compliance and Risk. The Compliance rule set reviews appraisals for regulatory and GSE compliance, including Fannie Mae and Freddie Mac guidelines, while GAAR Risk reviews appraisals according to industry best practices, helping lenders mitigate risk faster and more consistently than a manual review.


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COLLATERAL INVESTIGATOR

Appraisal Score Property Scan QC Vigilance GAAR

MORE INFORMATION

Collateral Investigator Product SheetPDF 1.1 mb

NEXT STEPS

Leverage three solutions in one to gain the competitive advantage you seek in today’s volatile mortgage market: Collateral Investigator. Contact:
Lois Lovelady
Director, Sales and Strategic Initiatives
Phone: 888-649-2966
Phone: 662-236-8252
Email: llovelady@fncinc.com

FNC’s data and analytic products can be ordered through your FNC Collateral Management System® (CMS®), through an interface to your own loan processing system, or online at CollateralDNA.com.

FNC’s data and analytic products can be ordered through your FNC Collateral Management System® (CMS®), through an interface to your own loan processing system, or online at CollateralDNA.com

Test Drive FNC's CollateralDNA
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