A capable agent can produce a review. Valara produces one you can underwrite on.

Point a frontier model at a PDF and you get something plausible. Valara is purpose-built for collateral review: visually grounded in the actual file, cited to the page, and structured so your systems and your underwriters can trust the result.

Producing a review is easy now. Producing one you can underwrite on is not.

A capable agent (Claude Code, Codex, or an in-house build on a frontier model) can read an appraisal and write plausible notes. Getting to something an underwriter can actually rely on is a different problem: findings that resolve to the page they came from, output your systems can consume unchanged, coverage of the rules that govern the file, and results consistent enough to build a process around. That is the work below.

Visually grounded in the actual file

Valara parses your appraisal PDF and reasons over the rendered pages, so a finding points at the exact region it came from. A general agent can read the file too, but its claims rarely resolve back to a spot you can open and check.

Every finding is cited

Each issue links to the exact page, table, and comparable it came from. Your reviewer clicks through to the source, and the citation goes straight into the loan file. Auditable, not just plausible.

Codified USPAP and GSE rules

Valara runs a maintained registry of USPAP, Fannie Mae, Freddie Mac, FHA, and UAD checks against every file, so coverage of the rules that govern a report is deliberate, not left to whatever a general model happened to learn.

Structured, schema-validated output

Reviews come back as typed JSON and XML (and PDF, Markdown, HTML) your systems can ingest and your underwriters can file. Every field, every time. Not whatever format a prompt happened to return.

A durable process, not a one-off prompt

Every review runs through a durable, multi-step workflow with retries and content-addressed caching, so it is a repeatable process you can build on. A one-off prompt varies from run to run, and from one reviewer to the next.

Private by default

Your appraisal is handled through vetted infrastructure providers and stays tied to your account. See our Privacy Policy for how files are stored and handled.

A review is data, not a chat log.

Every review is validated against a published schema, so the same fields arrive every time: a risk level, a quality score, an escalation recommendation, and findings that carry their citations. Drop it into your LOS, your QC queue, or your data warehouse.

{
  "review_type": "commercial",
  "risk_level": "HIGH",
  "appraisal_quality_score": 2.5,
  "recommended_escalation": "ESCALATE",
  "critical_issues": [
    {
      "title": "Unsupported cap rate",
      "severity": "HIGH",
      "approach": "INCOME",
      "references": ["p.42 Income Approach", "Table 7"]
    }
  ]
}

{
  "review_type": "commercial",
  "risk_level": "HIGH",
  "appraisal_quality_score": 2.5,
  "recommended_escalation": "ESCALATE",
  "critical_issues": [
    {
      "title": "Unsupported cap rate",
      "severity": "HIGH",
      "approach": "INCOME",
      "references": ["p.42 Income Approach", "Table 7"]
    }
  ]
}

Valara vs. a general AI agent

	A general AI agent	Valara
Source of truth	The file you hand it, plus its training data	Your appraisal PDF, parsed and grounded to the page
Grounding	May cite, but references drift and rarely resolve	Every finding resolves to the exact page, table, and comparable
Domain rules	General knowledge of USPAP and the GSEs	Codified USPAP, Fannie, Freddie, FHA, and UAD checks
Output	Whatever format the prompt returns	Schema-validated JSON, XML, and a filable PDF, every time
Consistency	Varies prompt to prompt, run to run	A durable, multi-step workflow with retries and caching
Who maintains it	You own the prompt, the eval, and the upkeep	A team tuning it to your files and standards
Your data	May be retained or trained on	Stays tied to your account; see our Privacy Policy for handling

And a team behind it

Early customers get white-glove onboarding: we tune Valara to your files, your standards, and the checks your shop cares about, with direct access to the people building it. That is not something you get by pointing a general model at a folder of PDFs.

See it on your own file

Run a sample review, or bring a file of your own.

Review your own appraisal View pricing

5 credits included, no card required.