A simple, free and secure way to quickly request and receive interior appraisal info and photos from home occupants. All you need is a property address and the occupant's contact information, and you can get started right away.
Real-time, geolocated and time-stamped images protect against fraudulent use. Homeowner/Occupant required to certify and agree that they have disclosed all materials facts and the information is true and correct prior to submission.
Since its launch, OwnerInsight has received a wonderful amount of media coverage. Check out some of the articles below.
Clear Capital launches new remote inspection tool
Housing market shifts to the cyber side amid the pandemic
A List Of Fintech Firms Providing Free Technology During The Coronavirus Crisis
Clear Capital launches appraisal tool in response to COVID-19
Below are some testimonials from both appraisers and homeowners.
Some lenders are demanding interior photos. I commend you and your company for putting this product together as it helps keep us healthy.
Brent CollierAppraiser, Kentucky
I tested out the product, and it is very cool and thorough.
I love the new product and I am so excited for more to come from Clear Capital!
The borrower is 8 months pregnant. She was really happy this feature was available due to concerns regarding her pregnancy, and that her recent upgrades to the home will be accounted for; with a normal drive-by appraisal we wouldn't know.
Mat LawrieAppraiser, Clario Appraisal, Sacramento
I'm excited about this product and it looks really powerful!
David LobergMetrolina Appraisal Group
I just got my first report back from the homeowner. They finished it and sent it in less than 30 minutes after I requested it! This is a great tool.
So excited to do my own inspection.
Owner Insight has been such a handy tool throughout the COVID-19 pandemic. Our firm has appreciated the ability to provide a simple solution to protect our appraisers and homeowners while still being to obtain information to assist the appraiser. It’s also been impressive to engage with high quality customer service and their ability to quickly make updates to improve the product. I would definitely recommend this product to appraisers!”
Kelly DowlingAppraiser, Arizona
For further support, please call 530.414.7069
Yes. OwnerInsight can be utilized to provide supplemental information on any report. However, OwnerInsight can only be used in lieu of a physical inspection on specific orders with the approval from the lender/client. These GSE and FHA approved forms require use of modified Scope of Work, Statement of assumptions and Limiting Conditions, and Certifications.
Yes, providing the appraiser reasonably believes the information provided to be reliable, it may be used in the report in accordance with USPAP. The appraiser must ensure that the degree of inspection is sufficient for the appraiser to understand the subject property’s relevant characteristics, so the appraiser can develop a credible appraisal.
Additionally, per USPAP, the appraisal must contain a signed certification that clearly states whether the appraiser has or has not personally inspected the subject property.
OwnerInsightTM can be ordered by the lender, AMC and appraiser, depending on the process that your lender and AMC implement. Clear Capital makes OwnerInsightTM available through a website order form at getownerinsight.com and API access at https://docs.api.clearcapital.com/
Please check with your lender directly as their credit policy may differ for agency and non-agency loans. Guidance for lenders and appraisers is available from Fannie Mae and Freddie Mac, FHA/HUD, USDA and VA.
OwnerInsight homeowner inspections do not automatically replace the need for interior inspections. Specific loan criteria dictate whether an in-person appraiser interior inspection is required or if an alternative desktop or exterior only option is allowed. Knowing the loan details, the lender/client will determine the appropriate appraisal type.
Clear Capital retains the rights to the data and images collected with the OwnerInsight inspection. We provide a limited, non-exclusive, revocable, license to use the Information in the report as well as the services, for the purpose of facilitating a valuation or inspection report on the subject property.
In accordance with USPAP and with reference to the recent GSE, FHA and VA guidance, there is no requirement for regulators or agencies to specifically approve OwnerInsight. Appraisers may speak to and gather information from property homeowners, occupants points-of-contact, etc, in the formulation of their reports.
Yes, the FHA is allowing appraisal flexibility on Reverse HECM mortgages as well as Forward mortgages. The appraisal requirements depend on the loan type and other factors, so please check with your lender if you have questions about the order.
Complete the form below to schedule some time to chat with an OwnerInsight specialist who can answer all of your questions!