A faster, lower-cost way to value low-risk loans

 Not every loan needs a full appraisal. Opteon evaluations give you a reliable market value in days, not weeks, and for a fraction of the cost, with qualified people and real quality control behind every one.

Know when an evaluation is the smarter choice

Home equity lending is growing, appraisers are stretched, and a full appraisal on a small, low-risk loan costs more and takes longer than the loan can justify. Federal rules recognize this. Below the appraisal thresholds you can value the property with an evaluation instead.

The real question is not whether you can use one. It is whether you can trust the one you get.

What is an Evaluation?

An evaluation is a written estimate of a property’s market value, prepared for lending decisions where a full appraisal is not required.

An appraiser-signed, USPAP-compliant valuation solution, prepared within Interagency Guidelines and designed for portfolio lending decisions, including home equity lending and other lower-risk credit scenarios.

You get the speed and cost of an evaluation without giving up the rigor that makes it defensible.

Choose the right level of inspection and review for your lending requirements:

  • Desktop (no-inspection) 

  • Exterior/third-party inspection 

  • Interior inspections

  • Homeowner-assisted virtual inspection 

Reach out to start ordering
US eval July 2026
* Evaluations are currently available in select states and expanding to additional markets.

Match the method to the decision

An evaluation is the right call for most low-risk lending. Typical turnaround times can be significantly faster than a traditional appraisal, helping lenders respond more quickly to borrower/ member and portfolio needs.

Home equity loan or HELOC

Refinance, renewal or modification on own book

Non-complex properties in an active market

Small commercial loan under federal loan thresholds

Powered By Jaro

Our next-generation evaluation workflow is delivered through Jaro, creating a streamlined digital experience that:

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Provides clear and efficient reports

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Integrates public and comparable property data

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Supports end-to-end order management and delivery

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Need More Information?

Evaluations are commonly used by credit unions and community lenders seeking a reliable valuation solution for home equity and portfolio lending decisions.

Our Customer Success team is ready to help you design the Appraisal System and Product waterfall that works for you. Reach out now for a one on one consultation, Sample Reports, Fee Schedules and other product information. 

HOW IT WORKS

You place the order. We do the rest.

01
Place the order

Send the property address and loan details through your loan origination system or ours. 

02
We Collate Data

We pre-populate current market data & match the job to a credentialed appraiser or agent.

03
We value and check

We complete the evaluation and run our quality control.

04
Inspection (if needed)

If the property calls for it, a local inspector visits to confirm condition and details firsthand.

05
An examiner-ready value

A written estimate of market value, ready for your file, in days rather than weeks.

Current Customer?

You can order Opteon evaluation today through your existing portal log in or LOS platform (selected states only). Contact your account success manager with any concerns. 

New Customer?

We're eager to help you with your evaluation needs. Reach out to our team to discuss how we can help.

Get in Touch Now