Digital Valuation Strategies for the Mortgage Executive Orders

Following the administration's 2026 mandates to modernize mortgage credit and affordable housing, the industry faces a structural shift. Veros and Valligent provide the technology infrastructure: from AI-driven computer vision to virtual inspections, they offer what is needed to scale origination and ensure regulatory compliance in a digital-first regulatory environment.

The administration’s recent Executive Orders, signed in March 2026, specifically “Promoting Access to Mortgage Credit” [1] and “Removing Regulatory Barriers to Affordable Home Construction” [2], demand structural modernization across housing finance. To meet these federal mandates, lenders, appraisal management companies, underwriters, and appraisers require technology that scales origination volume while adhering to prudent underwriting [3]. Veros Real Estate Solutions (Veros) and Valligent have developed the technology infrastructure specifically designed for this regulatory future.

“Veros’ strategic acquisition of Valligent was driven by a definitive vision,” states Darius Bozorgi, President and Chief Executive Officer (CEO) of Veros and CEO of Valligent. “We anticipated the critical need to connect automated analytics with tech-enabled property inspections and valuations. We built the foundation for the future of housing finance long before these directives materialized, ensuring our clients operate ahead of the curve.”

Completing the Digital Journey with Valligent

To fully capture the opportunities presented by these orders, the industry must continue its digital journey. Valligent leads this transition, moving the market beyond traditional valuation methods through modernized virtual inspections and alternative valuations. The Valligent virtual property valuation suite, which includes comprehensive inspections, evaluations, and bifurcated and hybrid appraisals, provides the exact infrastructure necessary to eliminate workflow bottlenecks. By dramatically accelerating turn times and lowering costs for stakeholders, Valligent directly supports the federal mandates to improve mortgage affordability and accessibility without sacrificing valuation quality and integrity.

Valligent continues to work with the Government-Sponsored Enterprises (GSEs) to evolve valuation offerings that best serve the industry while effectively managing risk. Valligent supports the GSEs with multiple forms of evaluations and assists lender partners with GSE forms by rethinking the inspection process to provide proven virtual inspection products. Valligent is continually making significant improvements to the virtual process to remain the industry leader in virtual property valuation solutions.

Data Certainty and Compliance with Veros Analytics

On the analytics front, Veros delivers the data certainty required for high-volume, secure underwriting. The industry-leading VeroVALUE operates as a standalone engine, providing rapid, highly accurate automated valuations. The VeroVALUE suite continues to evolve by utilizing AI to measure and account for property specific conditions to further enhance valuation accuracy.

Veros will soon release VeroVALUE Elite, Veros’ next-generation Automated Valuation Model (AVM). Built on the trusted foundation of the industry-leading VeroVALUE, it adds powerful new capabilities, including AI-driven computer vision, enhanced accuracy models, and daily data refreshes.

Testing of this product demonstrates measurable improvements over standard VeroVALUE, including significant improvements in key AVM performance metrics nationwide, including the percentage of values delivered within plus or minus ten percent (P10) as well as Mean and Median Absolute Error rates (MAE and MDAE respectively). VeroVALUE Elite delivers even greater performance gains in traditionally difficult valuation scenarios for any AVM:  properties in below-average condition and typically more rural regions of the country. These gains translate into more consistent valuations, better collateral risk management, and fewer appraisal exceptions. Ultimately, it delivers the most intelligent, market-validated AVM available today.

For comprehensive risk management, VeroSCORE delivers automated appraisal risk analysis. This technology supports the administration’s new “correction first” supervisory model by providing a transparent audit trail that demonstrates good faith technical compliance. This allows institutions to speed up decision-making with confidence and maintain a decisive operational advantage over alternative appraisal-quality-control tools.

Furthermore, as the sector prepares for the mandatory Uniform Appraisal Dataset (UAD) 3.6 transition, Veros technology moves clients from testing to active production ahead of the November deadline. We ensure clients remain fully compliant with the Uniform Collateral Data Portal® (UCDP®) and Electronic Appraisal Delivery (EAD) for appraisal submissions. We solve the standardization challenges that stall origination pipelines, allowing clients to leverage enriched property data seamlessly.

“Institutions cannot rely on fragmented and often outdated legacy systems to navigate this regulatory overhaul,” Bozorgi adds. “By bringing together Valligent’s pioneering virtual inspection and valuation capabilities and Veros’ advanced automated valuations, data analytics, and risk management solutions, we provide a complete, highly accurate digital property valuation strategy for the industry.”

Equip your business to lead the next phase of housing finance. Schedule a consultation with our product specialists and explore our modernized valuation solutions.

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