Broker Price Opinions · For Servicers, REO & Insurance
Reports in hours,
not days.
A purpose-built BPO service powered by the Universal Home Score system and twenty-two years of Fox Valley valuation experience — engineered for accuracy at speed.
What This Is
A BPO service built the way valuation should be done.
Most BPOs are a few comparables and a gut feeling — finished by an agent juggling three listings and a closing. Ours are not. Every report runs through the same disciplined methodology used to price homes in the Fox Valley market: hyperlocal comp selection, time-adjusted sales, condition scoring, and feature-by-feature adjustments calibrated to the property's price tier. The result is a BPO that holds up under scrutiny — from a servicer's desk, an insurer's audit, or a court file.
Who It's For
Built for the people who order them — not the ones who skim them.
Default & Loss Mitigation
Pre-foreclosure valuations, short sale reviews, and loss mit decision support — delivered in the format and timeframe your workflow demands.
Disposition & Pricing
List-price recommendations, market-time projections, and condition-aware pricing strategy for assets moving through the disposition pipeline.
Claims & Valuation Review
Independent property valuations for claims, total-loss analysis, and reconstruction-cost cross-checks — built on real, local market data.
Employer & Third-Party Files
Full relocation BPO packages — including the long-form intake required by the major relocation networks — completed and returned same-day in most cases.
The Process
From order to delivered report — in five steps.
Submit the property
Send the property address, the report type required, and any form template that needs to be completed. Interior reports include a brief intake regarding access. No comp research required from your side — we pull everything.
Pull true comparables
Not "homes nearby." Every comp clears hard filters — same subdivision or within a quarter-mile, no major streets crossed, same school district, sold in the last three to six months, same property type. When the immediate market is thin, appreciation-adjusted older sales are used in preference to losing neighborhood similarity.
Apply the Universal Home Score
Where interior or drive-by inspection data is provided, the UHS layer scores visual condition and mechanical systems and surfaces the deal-killers — aging HVAC, outdated electrical panels, roof age — that move value but rarely move comps.
Adjust, weight, conclude
Each comparable is adjusted feature by feature — bedrooms, baths, square footage, garage, lot, mechanicals — at rates calibrated to the property's actual price tier. Sales are time-adjusted using real local appreciation data, never a national rate. Confidence weighting produces a single defensible value, a range, and a recommended figure.
Return the finished file
Reports are delivered as a clean PDF, a completed form (Fannie Mae, Freddie Mac, or your in-house template), or auto-populated directly into your portal where API access is available. Rush turnaround available for urgent files.
Report Types
Six standard formats. Custom forms welcome.
Whatever the form, whatever the portal — if the information about the property is captured, the report can be produced in the format you need.
Drive-By BPO
Exterior inspection, comp analysis, neighborhood market context, recommended value. The fast file.
Interior BPO
Full interior walk-through, UHS condition scoring, mechanical systems documentation, supporting photos.
Desktop BPO
Comp-based valuation without site visit — for portfolios, pre-listing audits, and quick decision support.
Relocation Package
Long-form relocation BPO completed per network specifications — same-day return on most files.
Form Completion
Fannie Mae, Freddie Mac, custom servicer or insurer forms — populated from a single property submission.
Appraisal Review & Rebuttal
Independent review of a third-party appraisal — comp selection critique, adjustment rationale, written rebuttal package.
Why It's Different
Most BPOs are opinions.
Ours are methodology.
Four reasons servicers, insurers, and asset managers route their Northern Illinois files here instead of the standard panel.
Hyperlocal comp discipline
Same subdivision when possible. Quarter-mile maximum. No major streets crossed, no school-district crossings. Neighborhood similarity is treated as the single most important comp filter — and the data confirms it.
Real local appreciation
Time adjustments use actual local MRED and InfoSparks data for the property's specific market and price tier — not a generic national rate, not a guess, not a Zestimate. Older comps stay usable; the math stays honest.
Condition-aware pricing
The Universal Home Score layer surfaces what comparables alone cannot — system age, deferred maintenance, deal-killer mechanicals. Pricing reflects the property as it stands, not as the comps would suggest.
Systematic, not subjective
The same disciplined methodology runs on every file. No fatigue. No drift. No regional bias creeping into value. Auditable, defensible, repeatable — which is why the reports hold up when they are tested.
I just used the system to move an appraisal from $465,000 to $496,000. What would have taken three hours before took me — well, you will have to call to find that out.
Get In Touch
Let's discuss volume — or your first file.
Pricing scales with volume. A one-off file gets the same care as a hundred-file portfolio — the difference is the rate and the turnaround commitment. The first conversation is straightforward.