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

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

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

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

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

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

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.
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.

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.

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.

Valuation Complexity Score + ClearAVM + Human Review
Valuation Complexity Score
+ ClearAVM
+ Human Review
Lower Risk Properties

Average estimated value and lower Complexity Score
CLEARAVM + INSPECTION
Moderate Risk Properties

Lower or average estimated value and moderate Complexity Score
CLEARVALTM HYBRID APPRAISAL
Higher Risk Properties

Higher estimated value or higher Complexity Score
TRADITIONAL APPRAISAL
Escalation based
on human review
›››

Escalation based
on human review
›››

Lower Risk Properties

Average estimated value and lower Complexity Score
CLEARAVM + INSPECTION
Escalation based
on human review

Moderate Risk Properties

Average estimated value and lower Complexity Score
CLEARVALTM HYBRID APPRAISAL
Escalation based
on human review

Higher Risk Properties

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

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
IAEG-Compliant Evaluation
USPAP-Compliant Appraisal
Automated Review
U.S.-Based, Human Review
Standard Turn Time
1–5 days
Cost
$

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
IAEG-Compliant Evaluation
USPAP-Compliant Appraisal
Automated Review
U.S.-Based, Human Review
Standard Turn Time
3–5 days
Cost
$$

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
IAEG-Compliant Evaluation
USPAP-Compliant Appraisal
Automated Review
U.S.-Based, Human Review
Standard Turn Time
5–10 days
Cost
$$
An interactive
property analysis
and valuation tool.
ClearProp is an interactive, comprehensive property analysis and valuation tool with nationwide coverage that enables quick property value conclusions. Arm your team with instant property, neighborhood, and market insights in a modern, interactive dashboard.