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Intelligent Cascade

Pro Teck’s Intelligent Cascade (IC) gives you automatic product options based on your credit risk policy, saving you time and money.
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Intelligent Cascade is a rules-based valuation ordering platform that uses property, market, loan and borrower characteristics in conjunction with a lender’s credit risk guidelines to provide an automated product selection and upgrade workflow.

The results are superior turn times, lower costs and a suite of Interagency compliant products.
Choose Products

Choose the right product for the credit risk from Pro Teck’s extensive suite of valuation products.

Choose Rules

Build your own custom rules-set, matching product to loan-to value, credit and risk policy and other factors.

Save

Intelligent Cascade will save you time and money. One client cut product costs by 13% and turn times by 25%.

Compliant

All suggested solutions are Interagency compliant. We’re on top of regulatory trends and can advise when needed.

Save with Pro Teck’s Intelligent Cascade

Many valuation providers have limited solutions that lack configurability, leaving lenders with reduced options, delayed turn times and unnecessary overhead costs.

If you find your institution using high cost, slow turn-time solutions, or ordering and reconciling multiple products on the same property in order to “get it right,” Pro Teck’s Intelligent Cascade (IC) will save you valuable time and money.

When the Intelligent Cascade is ordered, property, market, loan and borrower data is plugged into a pre-configured, client-specific, credit risk rules-set that determines the most appropriate product.

Below is an example of IC being used for Home Equity. Based on the client’s credit risk criteria which included property value, loan-to-value, lot size and other variables, either a CollateralPoint, Appraisal Desktop with Inspection (ADI) or Field Appraisal is selected.

In this example, the client had been ordering an AVM with a property inspection, manually reconciling those results to determine if the product was compliant/met internal credit risk policies, then manually determined the appropriate product upgrade for those that didn’t. With IC, the client cut product costs by 13% and turn times by 25%.

IC can be used for Home Equity, and a number of other scenarios including Servicing and Capital Markets. Contact us today to learn how you can save time and money with Pro Teck’s Intelligent Cascade.

Frequently Asked Questions

What is Intelligent Cascade?

Intelligent Cascade is a rules-based valuation ordering platform that uses property, market, loan and borrower characteristics in conjunction with a lender’s credit risk guidelines to provide an automated product selection and upgrade workflow.

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How do I order when using Intelligent Cascade?

You just order, there is nothing different that needs to be done on your side. Once Pro Teck receives the order we use your criteria to deliver the best product.

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Does it cost more to use Intelligent Cascade?

No, there is no additional cost for using IC. Schedule your consultation today so you can begin saving time and money tomorrow.

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Why does a home equity loan require a valuation?

Lenders require a valuation for every type of home equity loan. They do this to protect themselves from risk of default, in case you can’t repay the loan. It also protects the borrower by having a deeper understanding of your properties current value.

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Who pays for the valuation on a home equity loan?

In most cases, the lender orders and pays for the valuation. Pro Teck can help you control costs by offering different product options depending on risk and underwriting criteria.

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Why can’t I just use an AVM to value a property for a Home Equity loan?

Prior to the 2008 housing crisis, most lenders used automated valuation models as a cost-effective solution for home equity valuations. Regulation post-crisis made it so the property condition had to be confirmed to use an AVM, like our ValueFocus.

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I thought I could only use drive-by appraisals for home equity valuations?

Many companies can only provide appraisal-based solutions, limiting your choice. Pro Teck offers AVM, Agent/Broker and Appraiser derived solutions and can match products to your need and credit-risk policy.

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Is there a cost-effective way to add interior photos to a solution?

Pro Teck’s VALIDITY homeowner guided inspection tool can be used in conjunction with many of Pro Teck’s solutions to give you a view inside the property in question.

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