Smart Value

smart value

An exciting new way to validate property value without a traditional appraisal.

We leverage Fannie Mae’s extensive database and analytical capabilities to provide an incredible second-chance opportunity to save money and time on valuation when loans don’t get an Appraisal Waiver (formerly “PIW”).

Servicing portfolio of more
than 1,000,000 loans

State-of-the-art lending platform
offers easy application processing, instant
loan status and peerless support

Licensed in 49 states


A conventional loan is not insured or guaranteed by the federal government, which makes it different from programs like VA, USDA and FHA. These flexible loans allow borrowers to get low rates and often avoid mortgage insurance with a higher down payment.


The Federal Housing Administration (FHA) mortgage program is managed by the Department of Housing and Urban Development (HUD), which is a division of the federal government. While these kinds of loans are typically most popular with first-time homebuyers, FHA loans are available to all types of borrowers.


Being a government-backed mortgage means that the VA will protect the lender from borrower default, allowing lenders to finance up to 100% of the property’s value.

  • DU and LPA allowed
  • Fixed rate & ARM options (standard & high-balance)
  • Flexible terms from 85 to 360 months
  • FICO down to 620 with AUS approval
  • Appraisal waivers accepted
  • Up to 97% LTV for first-time home buyers (DU Only)
  • HomeReady® program available: Learn More
  • Enterprise Paid Mortgage Insurance (EPMI) available: Learn More
  • Down payment assistance allowed from government agencies
  • Fixed rate & ARM options (standard & high-balance)
  • Flexible terms from 120 to 360 months
  • No appraisal needed for FHA Streamline refinances
  • FICO down to 620 with AUS approval
  • Standard VA LTV up to 100% including cash-out transactions
  • Fixed rate & ARM options available
  • Loan balances up to $1.5M with qualifying VA Guarantee
  • Flexible terms from 120 to 360 months
  • IRRRL LTV up to 110% plus allowable fees associated with new VA loans
Get started

Your success is our #1 priority. That’s why we’ve built the best tools in the industry and backed them up with a team of leaders experienced in wholesale lending to support you every step of the way.

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