AVM vs. appraisal — every divergence flagged before delivery.
Drop in the AVM report and the URAR appraisal (1004). AVM Diff cross-references the subject property, comparable sales, and the value reconciliation, then flags divergence that puts secondary market eligibility at risk. Most lenders find their AVM-appraisal mismatches months later from a GSE repurchase request — find them today instead. Coming soon — waitlist open.
No spam. We email you only when AVM Diff is live (target: Q1 2027) and once a quarter with a public progress note.
How it works
Upload AVM + appraisal
Drag-drop both documents.
See the divergence report
Subject property reconciliation, comparable sales overlap, value-band assessment, UCDP delivery readiness.
Decide before delivery
Escalate to a second appraisal, document the variance, or proceed.
Five collateral-value divergence categories.
Value-band variance
AVM value vs. appraised value beyond the lender's tolerance (commonly 5%, 10%, or 15% depending on loan program).
Subject property mismatches
Different square footage, room count, lot size, year built between the AVM and appraisal records.
Comparable sales overlap
Does the appraisal use comps the AVM also references? If zero overlap, the value is harder to defend.
Declining-market flags
AVM may flag a declining market the appraisal didn't note (or vice versa).
UCDP submission readiness
Every required UCDP field present, all flood and FEMA references resolved.
Launch pricing — waitlist locked.
Single AVM-appraisal check. No account. Stripe Checkout one-click.
Unlimited comparisons. Email-only signup. For collateral risk teams and post-close QC.
Waitlist members get the first 30 days free at the monthly tier and a permanent 20% discount on per-comparison pricing.
Frequently Asked Questions
Which AVMs does it support?
Major AVM providers (Veros / VeroVALUE, CoreLogic, House Canary, Black Knight Collateral Analytics) at launch. Lender-specific AVMs added as customers request.
Which appraisal forms?
URAR (1004) at launch. URAR-Hybrid, 2055 Exterior, and 1073 Condo on the roadmap.
Does it submit to UCDP?
No; it validates UCDP submission readiness but doesn't submit. UCDP submission stays in the lender's existing system.
What's the value-band tolerance default?
10% by default; configurable per lender after launch.
When does AVM Diff launch?
Target Q1 2027. Waitlist members get launch access at the lowest price tier and a free first comparison.
AVM Diff is built by Confer. If your team is ready to replace Encompass with an AI-native LOS, see the full platform → confersolutions.ai
Last Updated: April 27, 2026