Discover the future of appraisals with ValuDesk.
We specialize in delivering fast, reliable, and accurate property valuations tailored to your unique needs. By combining industry expertise with cutting-edge technology, we streamline the appraisal process, saving you time while maintaining the highest standards of quality and trust.
We specialize in Desktop Appraisals
ValuDesk was created to meet the industry’s growing demand for Desktop and Hybrid appraisal services, revolutionizing the way property valuations are conducted. As the real estate industry evolves, these innovative solutions offer faster turnaround times, lower costs, and enhanced efficiency without sacrificing quality. By leveraging advanced technology, market data, and reliable public records, desktop and hybrid appraisals make the valuation process more accessible and adaptable.
With lenders, investors, and homeowners seeking quicker yet accurate insights, desktop appraisals are reshaping traditional workflows, especially for straightforward or low-risk transactions. Whether you’re looking to streamline your lending process or adapt to modern industry standards, ValuDesk delivers reliable solutions designed for the future of appraisals.
What is a Desktop Appraisal?
A Desktop Appraisal is a property valuation that Fannie Mae allows for certain transactions. It’s an alternative to a traditional in-person inspection. Instead, the appraiser uses data from other sources to assess the property’s condition and features.
ValuDesk, the Future of Property Valuation
ValuDesk, the Future of Property Valuation
How Does It Work?
The appraiser uses data from public records, third parties, and other verifiable sources.
The appraiser may use virtual inspection methods, such as digital photos or videos.
The appraiser may also use machine-generated floor plans.
The appraiser must verify the accuracy and reliability of the data.
The appraiser produces a report that includes the property’s condition, quality, and features.
What data is used?
Property tax records
Multiple Listing Service (MLS) information
Past sales
Prior appraisals
Floor plans
Property photos
Gross living area (GLA) calculations
What are the benefits?
Desktop appraisals can be cost- and time-efficient.
They can improve disaster and pandemic response time.
Who Qualifies for a Desktop Appraisal?
A person typically qualifies for a desktop appraisal if they are looking to purchase a single-unit, primary residence with a low loan-to-value ratio (LTV) on a purchase transaction, meaning the loan amount is significantly less than the property’s value; this is usually considered a low-risk scenario where a full physical inspection might not be necessary.
Lender guidelines: Specific eligibility criteria for Desktop Appraisals may vary depending on the lender and their guidelines.
Property complexity: Properties with unique features or significant renovations might not be suitable for a Desktop Appraisal.
Accuracy limitations: Since there is no physical inspection, the valuation may not be as precise as a full appraisal.
Important Considerations
Property type: Primarily used for single-family homes, including those with an accessory dwelling unit (ADU) or properties in a planned unit development (PUD).
Loan type: Usually only applicable to purchase transactions, not refinances.
Loan-to-value ratio (LTV): Must be below a certain percentage, typically around 90%.
Creditworthiness: Borrower needs to have a good credit score and meet lender qualifications.
Key Factors for Eligibility
What is the ValuDesk difference?
Here at ValuDesk, we are committed to delivering appraisal reports that are not only faster but also more precise and data-driven than the competition. By integrating powerful tools like Synapse and Spark for Appraisers, and utilizing innovative software from CoreLogic, we ensure our valuation models are backed by the latest market insights, real-time analytics, and seamless data integration. This means our reports reflect the most accurate, up-to-date, and comprehensive market trends available— giving our clients a significant edge in decision-making.
At ValuDesk, we don’t just keep up with the industry; we set the standard. In today’s fast-moving market, when accuracy, efficiency, and reliability matter, we deliver appraisals that outperform—every time.
Other Services
Hybrid Appraisals
A “hybrid appraisal” is a real estate valuation method that combines elements of a traditional appraisal with digital data collection, where a third-party inspector, known as a Property Data Collector (PDC), gathers property details like photos, floor plan, and other condition assesments on-site, then transmits that information to a licensed appraiser who uses it alongside market data to determine the property value; essentially offering a faster and potentially cheaper alternative to a full appraisal by leveraging both in-person inspection and online analysis.
Traditional Appraisal Products
ValuDesk currently offers traditional appraisal services for conventional mortgage lending transactions throughout the Greater Houston Metro Area. This currently includes Harris, Galveston, Chambers, Liberty, Montgomery, Waller, and Fort Bend counties. Please check back as we continue to expand our coverage area. Traditional appraisal services we currently offer are limited to:
Non-complex- 1-4 unit residential properties with a transactional value less than $1,000,000 and complex 1-4 residential units with a transaction value less than $400,000.
Vacant or unimproved land for which the highest and best use is for one-to-four four family purposes.
Please visit our Pricing Page to learn more!
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Become A Client
Partner with ValuDesk to receive reliable, accurate, and timely appraisal services tailored to your needs. Whether you are you’re a homeowner, lender, or investor, our commitment to precision and transparency ensures you’ll have the confidence to make informed decisions. Ready to experience the ValuDesk difference? Complete the form below, and let’s get started!
About
Services
Desktop Appraisals
Hybrid Appraisals
Traditional Appraisals
Locations
Houston / Galveston
Dallas / Fort Worth (coming summer 2025!)
Austin / San Antonio (coming soon!)
Clients
Stewart Valuation
Amrock
TriMavin