Sapphire Appraisal Management
The Appraisal Management System that Streamlines and Unifies Appraisal Ordering and Review
The faster, less expensive alternative to a full appraisal, especially for servicing, origination and investments.
Sapphire Appraisal Management
The Appraisal Management System that Streamlines and Unifies Appraisal Ordering and Review
The faster, less expensive alternative to a full appraisal, especially for servicing, origination and investments.
Sapphire is the appraisal management ordering and review platform designed to work seamlessly with your business rules and integrates with the systems you depend on. Sapphire includes comprehensive order, quality control, review, appraiser panel management and reporting functions, as well as powerful integrations including direct connections into UCDP®, EAD, and Encompass® and proprietary appraisal scoring and risk analytics tools, to accommodate the breadth of valuation management needs in one intuitive appraisal management platform
Sapphire is The Appraisal Management System Purpose Built To Deliver Beginning to End Valuation Solution Results
You’ll Benefit from A Unified Ecosystem That Supports a Compliant, Efficient and Accurate Appraisal Ordering and Review Process with Mission Critical Integrations
Sapphire Provides The Best Appraisal
Management Tools All-in-One Solution
Access the appraisal ordering and appraisal review tools and workflow solutions for streamlined, compliant and integrated appraisal management.
Seamless Appraisal Orders
Experience a turnkey appraisal ordering experience for an individual appraisal or an entire batch.
Sapphire includes:
Order Placement
Connecting you to your appraisal valuation providers from an individual appraiser to appraisal management companies and includes integrated payments and tracking.
Order Management
Sapphire’s complete appraisal pipeline management gives you the power to track and manage incoming and outgoing orders and handle reassignments across all your orders and vendors.
Order Dashboard
Sapphire’s order dashboard seamlessly organizes all activity surrounding the initiation, processing, assignment and delivery of individual or batch valuation orders.
Seamless Appraisal Orders
Experience a turnkey appraisal ordering experience for an individual appraisal or an entire batch.
Sapphire includes:
Order Placement
Connecting you to your appraisal valuation providers from an individual appraiser to appraisal management companies and includes integrated payments and tracking.
Order Dashboard
Sapphire’s order dashboard seamlessly organizes all activity surrounding the initiation, processing, assignment and delivery of individual or batch valuation orders.
Order Management
Sapphire’s complete appraisal pipeline management gives you the power to track and manage incoming and outgoing orders and handle reassignments across all your orders and vendors.
Expert and Automated Appraisal Review
Sapphire is designed to significantly improve workflow by combining both expert and automated appraisal review
Automated Review and Quality Control
Automated review puts the property valuation through a series of rules defined by your business. If the automated appraisal review meets your defined criteria, Sapphire will accept the valuation. If the automated review is questionable, then Sapphire will route the valuation into the appropriate queue for manual review or back to the vendor for resubmission.
Manual and Management Review
Sapphire determines which reviewer is best equipped to perform a manual review of the returned report based on geographic area, review specialty or even vacation schedules. Managers have transparency into the entire review process and can enforce a senior review phase to take place after a junior reviewer completes his/her analysis on a report. Additionally, a manager can control employee workloads, time off, specialties, as well as many other criteria to make workflow more efficient.
Expert and Automated Appraisal Review
Sapphire is designed to significantly improve workflow by combining both expert and automated appraisal review
Automated Review and Quality Control
Automated review puts the property valuation through a series of rules defined by your business. If the automated appraisal review meets your defined criteria, Sapphire will accept the valuation. If the automated review is questionable, then Sapphire will route the valuation into the appropriate queue for manual review or back to the vendor for resubmission.
Manual and Management Review
Sapphire determines which reviewer is best equipped to perform a manual review of the returned report based on geographic area, review specialty or even vacation schedules. Managers have transparency into the entire review process and can enforce a senior review phase to take place after a junior reviewer completes his/her analysis on a report. Additionally, a manager can control employee workloads, time off, specialties, as well as many other criteria to make workflow more efficient.
Secure Appraisal Delivery
With Sapphire, you can securely send and track the electronic delivery of the appraisal to the borrower(s), as well as send secure emails in the appraisal delivery workflow.
Borrowers can review and download the appraisal online through Sapphire.
Also, Sapphire provides a timestamped audit trail of the appraisal delivery and acceptance to help monitor compliance.
Secure Appraisal Delivery
With Sapphire, you can securely send and track the electronic delivery of the appraisal to the borrower(s), as well as send secure emails in the appraisal delivery workflow.
Borrowers can review and download the appraisal online through Sapphire.
Also, Sapphire provides a timestamped audit trail of the appraisal delivery and acceptance to help monitor compliance.
Transparent Reporting
Keep pace with the demands of multiple groups ranging from regulators and employees to management and customers and to fully track transactions.
Standard Reporting
Access a comprehensive set of standard valuation management reports for operational and compliance needs. This library of reports is available for quick and easy use enabling you to monitor and report on the entire valuation life cycle.
Ad Hoc Reporting
Sapphire incorporates access to ad hoc reporting capabilities which allow on-demand creation of reports based on critical system criteria. Ad hoc reports can be saved, scheduled and set to auto-send at designated intervals so significant findings will be ready and waiting when you need them.
Transparent Reporting
Keep pace with the demands of multiple groups ranging from regulators and employees to management and customers and to fully track transactions.
Standard Reporting
Access a comprehensive set of standard valuation management reports for operational and compliance needs. This library of reports is available for quick and easy use enabling you to monitor and report on the entire valuation life cycle.
Ad Hoc Reporting
Sapphire incorporates access to ad hoc reporting capabilities which allow on-demand creation of reports based on critical system criteria. Ad hoc reports can be saved, scheduled and set to auto-send at designated intervals so significant findings will be ready and waiting when you need them.
Appraisal Panel Management
Appraisal Panel Management gives lenders the flexibility to include appraisers from their own approved panels while remaining compliant with Dodd-Frank, FHA and other appraiser independence guidance. Appraisal Panel Management allows lenders to electronically invite appraisers to join their network, reduce their dependence on single vendors, keep response times high and reduce costs over the long term.
- Track appraiser licenses for proper credentials, license status and expirations, as well as certification levels.
- Manage communications between lender and appraiser in one central location to create a complete audit trail.
- Adjust schedules and track appraiser availability (i.e., vacation schedules).
- Set capacity per appraiser to ensure individuals are not overloaded.
Appraisal Panel Management
Appraisal Panel Management gives lenders the flexibility to include appraisers from their own approved panels while remaining compliant with Dodd-Frank, FHA and other appraiser independence guidance. Appraisal Panel Management allows lenders to electronically invite appraisers to join their network, reduce their dependence on single vendors, keep response times high and reduce costs over the long term.
- Track appraiser licenses for proper credentials, license status and expirations, as well as certification levels.
- Manage communications between lender and appraiser in one central location to create a complete audit trail.
- Adjust schedules and track appraiser availability (i.e., vacation schedules).
- Set capacity per appraiser to ensure individuals are not overloaded.
Seamless Appraisal Orders
Experience a turnkey appraisal ordering experience for an individual appraisal or an entire batch.
Sapphire includes:
Order Placement
Connecting you to your appraisal valuation providers from an individual appraiser to appraisal management companies and includes integrated payments and tracking.
Order Management
Sapphire’s complete appraisal pipeline management gives you the power to track and manage incoming and outgoing orders and handle reassignments across all your orders and vendors.
Order Dashboard
Sapphire’s order dashboard seamlessly organizes all activity surrounding the initiation, processing, assignment and delivery of individual or batch valuation orders.
Seamless Appraisal Orders
Experience a turnkey appraisal ordering experience for an individual appraisal or an entire batch.
Sapphire includes:
Order Placement
Connecting you to your appraisal valuation providers from an individual appraiser to appraisal management companies and includes integrated payments and tracking.
Order Dashboard
Sapphire’s order dashboard seamlessly organizes all activity surrounding the initiation, processing, assignment and delivery of individual or batch valuation orders.
Order Management
Sapphire’s complete appraisal pipeline management gives you the power to track and manage incoming and outgoing orders and handle reassignments across all your orders and vendors.
Expert and Automated Appraisal Review
Sapphire is designed to significantly improve workflow by combining both expert and automated appraisal review
Automated Review and Quality Control
Automated review puts the property valuation through a series of rules defined by your business. If the automated appraisal review meets your defined criteria, Sapphire will accept the valuation. If the automated review is questionable, then Sapphire will route the valuation into the appropriate queue for manual review or back to the vendor for resubmission.
Manual and Management Review
Sapphire determines which reviewer is best equipped to perform a manual review of the returned report based on geographic area, review specialty or even vacation schedules. Managers have transparency into the entire review process and can enforce a senior review phase to take place after a junior reviewer completes his/her analysis on a report. Additionally, a manager can control employee workloads, time off, specialties, as well as many other criteria to make workflow more efficient.
Expert and Automated Appraisal Review
Sapphire is designed to significantly improve workflow by combining both expert and automated appraisal review
Automated Review and Quality Control
Automated review puts the property valuation through a series of rules defined by your business. If the automated appraisal review meets your defined criteria, Sapphire will accept the valuation. If the automated review is questionable, then Sapphire will route the valuation into the appropriate queue for manual review or back to the vendor for resubmission.
Manual and Management Review
Sapphire determines which reviewer is best equipped to perform a manual review of the returned report based on geographic area, review specialty or even vacation schedules. Managers have transparency into the entire review process and can enforce a senior review phase to take place after a junior reviewer completes his/her analysis on a report. Additionally, a manager can control employee workloads, time off, specialties, as well as many other criteria to make workflow more efficient.
Secure Appraisal Delivery
With Sapphire, you can securely send and track the electronic delivery of the appraisal to the borrower(s), as well as send secure emails in the appraisal delivery workflow.
Borrowers can review and download the appraisal online through Sapphire.
Also, Sapphire provides a timestamped audit trail of the appraisal delivery and acceptance to help monitor compliance.
Secure Appraisal Delivery
With Sapphire, you can securely send and track the electronic delivery of the appraisal to the borrower(s), as well as send secure emails in the appraisal delivery workflow.
Borrowers can review and download the appraisal online through Sapphire.
Also, Sapphire provides a timestamped audit trail of the appraisal delivery and acceptance to help monitor compliance.
Transparent Reporting
Keep pace with the demands of multiple groups ranging from regulators and employees to management and customers and to fully track transactions.
Standard Reporting
Access a comprehensive set of standard valuation management reports for operational and compliance needs. This library of reports is available for quick and easy use enabling you to monitor and report on the entire valuation life cycle.
Ad Hoc Reporting
Sapphire incorporates access to ad hoc reporting capabilities which allow on-demand creation of reports based on critical system criteria. Ad hoc reports can be saved, scheduled and set to auto-send at designated intervals so significant findings will be ready and waiting when you need them.
Transparent Reporting
Keep pace with the demands of multiple groups ranging from regulators and employees to management and customers and to fully track transactions.
Standard Reporting
Access a comprehensive set of standard valuation management reports for operational and compliance needs. This library of reports is available for quick and easy use enabling you to monitor and report on the entire valuation life cycle.
Ad Hoc Reporting
Sapphire incorporates access to ad hoc reporting capabilities which allow on-demand creation of reports based on critical system criteria. Ad hoc reports can be saved, scheduled and set to auto-send at designated intervals so significant findings will be ready and waiting when you need them.
Appraisal Panel Management
Appraisal Panel Management gives lenders the flexibility to include appraisers from their own approved panels while remaining compliant with Dodd-Frank, FHA and other appraiser independence guidance. Appraisal Panel Management allows lenders to electronically invite appraisers to join their network, reduce their dependence on single vendors, keep response times high and reduce costs over the long term.
- Track appraiser licenses for proper credentials, license status and expirations, as well as certification levels.
- Manage communications between lender and appraiser in one central location to create a complete audit trail.
- Adjust schedules and track appraiser availability (i.e., vacation schedules).
- Set capacity per appraiser to ensure individuals are not overloaded.
Appraisal Panel Management
Appraisal Panel Management gives lenders the flexibility to include appraisers from their own approved panels while remaining compliant with Dodd-Frank, FHA and other appraiser independence guidance. Appraisal Panel Management allows lenders to electronically invite appraisers to join their network, reduce their dependence on single vendors, keep response times high and reduce costs over the long term.
- Track appraiser licenses for proper credentials, license status and expirations, as well as certification levels.
- Manage communications between lender and appraiser in one central location to create a complete audit trail.
- Adjust schedules and track appraiser availability (i.e., vacation schedules).
- Set capacity per appraiser to ensure individuals are not overloaded.
Sapphire is Your Appraisal Management Pipeline to The Secondary Markets
Sapphire offers streamlined modules to help clients convert, check and submit electronic appraisal data directly to Fannie Mae and Freddie Mac’s Uniform Collateral Data Portal (UCDP) and to Federal Housing Administration’s Electronic Appraisal Delivery (EAD) Portal.
UAD, UCDP & EAD Preview
Be more confident with an initial run-through of UCDP’s and EAD’s known requirements to confirm an expected passing status.
UCDP & EAD Hard
Stop Override
Gain the ability to submit error correction codes for known UCDP and EAD submission hard stops.
UCDP & EAD Submission
Let Sapphire submit appraisals to UCDP and EAD for you. Your submission is automatically triggered after completion of the appraisal review within the Review Module
Order Appraisals Directly Through Encompass® By Ellie Mae
SapphireSM is seamlessly integrated into Encompass All-in-One Mortgage Management Solution. This enhanced integration enables Encompass users to securely order appraisals from their own panel of appraisers or AMCs, and manage those providers in Sapphire to drive quality and efficiency in the loan origination process – while never losing connectivity with Encompass workflow.
- Lenders can engage their vendors more directly, utilizing routing and review rules specific to their organization within Veros’ Sapphire system.
- Users will appreciate the direct influence on transparency, fees, timelines, and overall quality control because Sapphire can manage orders automatically, incorporating both system- and customer-specific validation rules.

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