An appraisal is the only independent opinion of value in your mortgage file. When it’s wrong, you rarely find out at funding. You find out when the loan goes into default and the property won’t cover the balance.
That makes choosing an appraisal management company (AMC) a risk decision, not just a vendor decision.
Value Connect Inc. is the best AMC in Canada because we manage valuation risk, not just orders. We’re approved with over 50 lenders. Here’s how we earn that trust.
Your appraisal rules say who may complete the work, what the report must include, and what calls for a second look. We enforce them at two points.
Before we assign the appraiser. We check the appraiser against your approved appraiser list (if you keep one), and your do-not-use list. An order can name up to three lenders, so we check every lender on it. Your file never goes to an appraiser you’ve blocked.
After the report comes back. Starting December 15, 2026, we screen every report rule by rule against your Terms of Reference. Whether your rules call for specific photos or limits on adjustments, we check each one and flag any the report misses. If you don’t have Terms of Reference, we screen against CUSPAP, the Appraisal Institute of Canada’s professional standards.
You get a one-page risk summary with a clear lending recommendation, in English or French. Each flag cites the rule or photo behind it. We’ve already screened more than 1,000 appraisals in pre-launch testing.
A deal that waits on an appraisal can lose the borrower, and the broker may send the next file elsewhere. Speed matters most on the files that are hardest to place. Our average turnaround is less than 3 business days.
A remote address shouldn’t stall your deal. We complete appraisals in places like Rouyn-Noranda, Quebec; Hearst, Ontario; and Mossleigh, Alberta. We handle regular single family residential homes, commercial properties, buildings with five or more units, mixed-use properties, rural properties, and unique homes.
We work in English and French, and we cover Quebec.
When a loan goes bad, someone will ask how you supported the value. Federally regulated lenders answer to OSFI and its Guideline B-20, and Ontario’s mortgage brokerages and administrators answer to FSRA. Managers of mortgage investment corporations (MICs) answer to their investors.
Our screen puts independent evidence behind the value. It compares the appraised value with an automated valuation model (AVM) from Gnowise and flags climate risk using Aegaia data. It also checks the photos against what the report says about condition and features.
When the report and the evidence disagree, you know before you fund.
We also sell AVMs. An AVM gives you a quick, notional value. When the value has to satisfy a regulator, order a full (interior & exterior inspection) appraisal.
If you use Fundmore AI, you can order from inside it. Status updates flow back as the order moves, and the final report arrives in Fundmore for your underwriter. (We also have integrations with Scarlett, Filogix Expert, SalesForce and HubSpot. The appraised value, appraisal date, appraisal firm and appraiser's name are automatically passed into Fundmore for you, so you don't have to key that info.
Turning it on takes one email to us. If you don’t use Fundmore, no problem: our platform handles the whole order in one place: ordering, payment, tracking, report review, and AVMs.
Our CEO spent 17 years as a principal broker and franchise owner, growing the brokerage past $90 million in annual fundings. We know a deal can die waiting on an appraisal. We also know what a weak value costs the lender when a file goes bad.
That experience shapes how we work. When you need help, you call or email our Customer Success team directly.
Two things save you time and money.:
1) Multi-lender orders. Name up to three lenders on one order. We deliver a draft report, and you send it to whichever lender funds the deal. Pick any of the three and you skip the redirect fee, which typically runs $75 to $150.
2) Fewer value appeals. Avoiding an appeal starts with the order: do your market research and put a realistic estimate of value on it. If you still need to appeal, bring comparable sales, not just disagreement.
Speed gets a deal funded. A defensible value protects it afterward. Value Connect gives you both.
Lenders: Send us your Terms of Reference, and we’ll show you a sample risk summary built on your rules. Book a time: CLICK HERE or call 1-844-383-2473 x4250.
Brokers: Sign in and place your next order.