Appraisal Review
The Problem
A weak or unsupported appraisal is a collateral defect and a repurchase trigger. Overlooked adjustments and thin comps surface later — after the loan has funded.
The Mortna Approach
Valuation validation, comparable-sales analysis, URAR compliance, and CU/UCDP reconciliation — every adjustment tested and every comp assessed for support. AI structures the review; a human reviewer confirms the value conclusion.
What’s Included
- Comp analysis: selection, adjustments, and support
- Condition & quality: C and Q ratings validated
- Market conditions: 1004MC-style trend review
- URAR completeness and internal consistency
- CU/UCDP reconciliation: risk score and hard-stop messages addressed
UAD 3.6-Ready
Our reviewers are trained on the redesigned URAR and UAD 3.6 format (mandatory adoption late 2026) from day one — so your files are handled correctly while your in-house team retrains.
What You Receive
A collateral findings report: every adjustment tested, comps assessed for support, CU/UCDP discrepancies reconciled, and a documented value conclusion.
Standard SLA
4 hours.
Clear appraisals in minutes, not hours.
Send us a batch of files — free, no commitment. See the defect reports for yourself.
Book a Demo →