Clear Capital’s home equity solution delivers innovation you can trust.

For nearly 20 years, we’ve taken an uncompromising, long-term approach to doing things right: ethically sourcing our data, releasing products only when we’re confident they’re ready, and working diligently to build a track record of success. From automated valuation models, to traditional appraisals and everything in between, our best-in-class home equity products are available nationwide and engineered with integrity for every valuation scenario.

Innovators with
real-world experience

real estate valuation technology experience

Since 2001, we’ve been the premier provider of real estate valuation, analytics, and technology solutions to our nation’s smallest community credit unions and largest, billion-dollar financial institutions alike.

Intelligent,
automatic escalation

home equity analytics solution

Our home equity solution is designed to confidently choose the right valuation product for every scenario. How? We pair powerful, refined analytics with human experts who do the cerebral work machines can’t.

Superior customer support

clear capital home equity customer support

From two people in Truckee, California to now more than 500 team members and 20,000 real estate professionals nationwide, our unrelenting dedication to a white-glove approach has remained steadfast since day one.

Innovators with
real-world experience

real estate valuation technology experience

Since 2001, we’ve been the premier provider of real estate valuation, analytics, and technology solutions to our nation’s smallest community credit unions and largest, billion-dollar financial institutions alike.

Intelligent,
automatic escalation

home equity analytics solution

Our home equity solution is designed to confidently choose the right valuation product for every scenario. How? We pair powerful, refined analytics with human experts who do the cerebral work machines can’t.

Superior customer support

clear capital home equity customer support

From two people in Truckee, California to now more than 500 team members and 20,000 real estate professionals nationwide, our unrelenting dedication to a white-glove approach has remained steadfast since day one.

Address, meet analytics.

No property is exactly alike, so why use a one-size-fits-all approach to valuation? Clear Capital’s home equity solution accurately — and automatically — chooses the right valuation product for every scenario.

1

Valuation Complexity Score

It starts with a property address. We run analytics on a number of factors — including square footage, lot size, bed/bath count, and more — to generate a Valuation Complexity Score that numerically represents how difficult the property will be to value.

property valuation complexity
2

Lending-Grade Automated Valuation Model (AVM)

Next, we run the property through ClearAVM™, our incredibly accurate, lending-grade AVM, that generates a value with unparalleled precision.

home equity avm automated valuation model
3

Human Review

Finally, everything is reviewed by our highly-trained team. Based on the Valuation Complexity Score, ClearAVM, and human review, we confidently choose the right valuation product to effectively value the property while saving time and lowering costs.

home equity valuation review

Valuation Complexity Score + ClearAVM + Human Review

Valuation Complexity Score
+ ClearAVM
+ Human Review

Lower Risk Properties

low risk property valuation avm

Average estimated value and lower Complexity Score

CLEARAVM + INSPECTION

Moderate Risk Properties

moderate risk property valuation

Lower or average estimated value and moderate Complexity Score

CLEARVALTM HYBRID APPRAISAL

Higher Risk Properties

high risk property valuation

Higher estimated value or higher Complexity Score

TRADITIONAL APPRAISAL

Escalation based
on human review

›››

Escalation based
on human review

›››

Lower Risk Properties

low risk property valuation avm

Average estimated value and lower Complexity Score

CLEARAVM + INSPECTION

Escalation based
on human review

Moderate Risk Properties

moderate risk property valuation

Average estimated value and lower Complexity Score

CLEARVALTM HYBRID APPRAISAL

Escalation based
on human review

Higher Risk Properties

high risk property valuation

Higher estimated value or higher Complexity Score

TRADITIONAL APPRAISAL

Compare our best-in-class home equity products.

Compare our best-in-class home equity products.

(Swipe to compare)

ClearAVM + Inspection

ClearVal Hybrid Appraisal

Traditional Appraisal

home equity modern valuation avm property inspection

Designed For

Lower-risk situations

Description

An incredibly accurate, lending-grade automated valuation model combined with a boots-on-the-ground, interior or exterior inspection.

Inspection

Interior or Exterior

Inspection Completed By

Real estate professional from Clear Capital’s network

Value Concluded By

AVM

IAG-Compliant Evaluation

USPAP-Compliant Appraisal

Automated Review

U.S.-Based, Human Review

Standard Turn Time

1–5 days

Cost

$

clearval home equity hybrid appraisal valuation

Designed For

Moderate-risk situations

Description

A hybrid appraisal combining a boots-on-the-ground, interior or exterior inspection with a local, appraiser-completed desktop valuation.

Inspection

Interior or Exterior

Inspection Completed By

Real estate professional from Clear Capital’s network

Value Concluded By

Appraiser

IAG-Compliant Evaluation

USPAP-Compliant Appraisal

Automated Review

U.S.-Based, Human Review

Standard Turn Time

3–5 days

Cost

$$

home equity appraisal

Designed For

Higher-risk situations

Description

For situations requiring a closer look, a traditional appraisal completed by a geo-competent appraiser from Clear Capital’s appraisal management company.

Inspection

Interior (Form 1004) or
Exterior (Form 2055)

Inspection Completed By

Appraiser from
Clear Capital’s AMC

Value Concluded By

Appraiser

IAG-Compliant Evaluation

USPAP-Compliant Appraisal

Automated Review

U.S.-Based, Human Review

Standard Turn Time

5–10 days

Cost

$$

The 10- to
10,000-foot view
with ClearPropTM

ClearProp is a property analysis tool with nationwide coverage that enables quick geographic competency from wherever you are. Arm your team with instant property, neighborhood, and market insights in an elegant, interactive dashboard.