Collateral Clarity.
7 Days.
Audit-Ready.
Multi-Source Licensed Professional Evaluations for residential collateral up to $400,000. Powered by live MLS data, public records, and local market expertise — audit-ready for HELOCs, loan renewals, and portfolio monitoring, with a guaranteed 7 business day turnaround.
Business Day Turnaround
KRS Ch. 324 · Federal Guidelines
Compliant
Collateral Up To
$400,000
Compliant · Transparent · Fast
Built for Bank Risk Officers
Statutory Compliance, Built In.
KRS CH. 324 · FEDERAL GUIDELINESOur Licensed Professional Evaluations are Statutory Evaluations performed under KRS Chapter 324 and the Interagency Appraisal and Evaluation Guidelines — not informal opinions. Your compliance team gets a fully documented, audit-ready collateral assessment that satisfies federal lending requirements for transactions up to $400,000.
Collateral Transparency. Not Guesswork.
GPS · LIVE MLS · ACTIVEEvery Licensed Professional Evaluation is built from live MLS comp pulls, public tax records, deed history, and direct local market knowledge — sourced by agents actively working that market daily, not a national vendor recycling month-old data.
The 7-Day Fast-Track.
GUARANTEED SLASpeed comes from process, not shortcuts. Our streamlined multi-source data pipeline — live MLS, public records, and direct local market access — means no waiting on appointments or third-party data vendors. The clock starts on Business Day 1 and your report is in-hand by Business Day 7 — guaranteed. We deliver within 7 business days, outperforming the industry average by 50% while maintaining rigorous audit standards.
The Anti-AMC Advantage
Why Not an AMC?
Appraisal Management Companies add cost, delay, and vendor opacity your risk department cannot fully audit. For residential collateral under $400,000, federal lending guidelines permit Licensed Professional Evaluations — and our multi-source, agent-led model delivers faster turnaround, tighter comp selection, and a fully transparent chain of custody than any AMC desktop review.
Direct Agent Accountability
National AMCs route your order through a call center, assign it to an unknown vendor, and add a 3–4 week lag. With TWC, the Licensed Real Estate Professional who assembles your evaluation is the same agent with direct knowledge of that market — a single, fully auditable chain of custody under KRS Chapter 324, delivered in 7 business days.
Real-Time Market Intelligence, Not Stale Desk Reviews
AMC vendors pull comps from centralized databases that can lag actual market conditions by 30–60 days. Our agents are active in the South-Central KY market daily — we pull live MLS data, cross-reference public records, and apply real-time local knowledge before any of it reaches a national data feed.
Risk Mitigation Through Local Precision
A 9-county service area isn't a limitation — it's a deliberate risk mitigation strategy. Concentrated market presence means tighter comp selection, reduced collateral exposure, and Residential Evaluations your underwriting team can defend under any regulatory scrutiny — including OCC, FDIC, and NCUA examination.
The 7 Business Day Standard
Our 7 Business Day Roadmap.
Traditional appraisals are held hostage to scheduling, vendor availability, and stale data pipelines. Our Licensed Professional Evaluation model is built on direct MLS access, public records, and agents who know the market. The clock starts on Day 1 of the business week, ensuring a predictable delivery schedule that respects banking holidays — no waiting, no rescheduling, no turnaround uncertainty. Seven business days. Every order.
SLA Definition: Business days are Mon–Fri. Orders received after 2:00 PM CST are processed the following business day. Banking holidays observed.
Order Receipt & Conflict Check
Order accepted, subject property verified against our 9-county service footprint, and a conflict-of-interest check completed. Lender acknowledgment issued within 2 business hours. The 7 business day clock starts immediately upon receipt — banking holidays excluded per the agreed SLA.
Multi-Source Data Assembly
Live MLS pull of active, pending, and recently closed comparables. Cross-referenced against public tax records, deed history, and prior transfer data. All comp selection is performed by the same Licensed Real Estate Professional completing the evaluation — not a remote data entry operator.
Property Assessment & Market Analysis
The Licensed Real Estate Professional applies direct local market knowledge to assess the subject property and neighborhood context. Combined with the assembled multi-source data, this produces a comprehensive, defensible collateral picture — no homeowner scheduling required.
Regulatory QC Review
Independent internal quality control review against Interagency Appraisal and Evaluation Guideline requirements and KRS Chapter 324 standards for Licensed Real Estate Professional evaluations. Comp selection, methodology, and supporting data verified before the Residential Evaluation is finalized.
Secure Report Delivery
Completed Licensed Professional Evaluation delivered in audit-ready PDF format directly to your lending team. Report includes a full comparable grid and supporting market data — compliant under KRS Chapter 324 and federal lending guidelines. Guaranteed Business Day 7 — no exceptions. Every report includes a signed Statement of Independence and Regulatory Attestation certifying: (1) Independence — the evaluator holds no direct or indirect interest in the property or transaction; (2) Compliance — the report adheres to the Interagency Appraisal and Evaluation Guidelines and KRS Chapter 324; (3) Non-Discrimination — the valuation is developed without regard to race, color, religion, sex, or national origin, in full compliance with the Fair Housing Act; (4) Transparency — all data sources, including live MLS and public records, are cited with a clear chain of custody.
Vendor Due Diligence Vault
Institutional Transparency & Compliance.
We provide our banking partners with a centralized, secure environment for all vendor due diligence. From E&O certification to our proprietary multi-source evaluation methodology, every document is audit-ready and updated in real-time.
TWC Valuation utilizes GLBA-compliant data handling and encrypted delivery to ensure the security of all non-public partner information.
Every Statutory Residential Evaluation delivered by TWC Valuation includes a signed Statement of Independence and Regulatory Attestation. This certifies:
The evaluator has no direct or indirect interest, financial or otherwise, in the property or the transaction.
The report adheres to the Interagency Appraisal and Evaluation Guidelines and Kentucky KRS Chapter 324.
The valuation is developed without regard to race, color, religion, sex, or national origin, in full compliance with the Fair Housing Act.
All data sources, including live MLS and public records, are cited with a clear chain of custody.
Approved Partners Only
The Compliance Package is restricted to approved lending partners. Request access below and we'll review your application same business day.