Home Equity

The Right Mix for Every Home Equity Loan

Lower costs, faster approvals, and fewer risks—with valuation, title, and closing solutions designed to match your strategy, your risk tolerance, and your markets.

Don’t Let Process Problems Become Reputation Risks

Home equity lending should be an opportunity—not a drag on your team’s time, budget, or borrower experience. But when outdated valuation models, mismatched title products, and clunky closings creep in, timelines stretch, costs climb, and compliance gets harder to manage.

CSS helps you avoid those pitfalls by aligning valuation, title, and closing solutions with your lending strategy. The result? Less friction, clearer decisions, and the speed and control your team needs to stay competitive.

Keep Borrowers Happy and Loans on Track

CSS helps lenders streamline home equity lending with cost-effective products, efficient workflows, and a better experience for everyone involved.

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Flexible Valuation Options – Use hybrid appraisals, evaluations, and AVMs to reduce turn times and cut costs—without sacrificing accuracy.

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Fast, Reliable Title Reports – Property reports delivered in under 2 days with <3% revision rates—and up to $500K in warranty coverage.

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Closing Built Around the Borrower – RON, hybrid, and in-person closings ensure speed and convenience without compromising compliance.

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Frictionless Recording – eRecording and document verification streamline lien placement and eliminate manual back-and-forth.

Efficient Product Selection – Automated workflows apply the most appropriate valuation product for each loan—minimizing full appraisals and optimizing efficiency.

Valuation Packages That Match Your Goals

CSS gives you a smarter way to manage home equity valuations by offering a full spectrum of options, from fast, cost-effective tools to comprehensive full appraisals. We help you choose the right product mix for your underwriting needs and manage the entire process for you.

AVM with Photo Condition Report

County-specific AVM cascade tested quarterly by qualified third-party.

Turn Time

AVM: Immediate
PCR: 1-2 days

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Evaluation

Interagency-compliant with exterior or interior inspection.

Turn Time

2–3 days (exterior)
2–4 days (interior)

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Hybrid Appraisal

USPAP-compliant with exterior or interior inspection.

Turn Time

2–3 days (exterior)
4–5 days (interior)

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Full Appraisal

Traditional appraisals completed by qualified local appraisers. Daily status updates included.

Turn Time

5–7 days

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Title Support That Goes Beyond the Basics

Title isn’t one-size-fits-all—especially in home equity lending. CSS helps you select the right product for each loan, ensuring you meet underwriting requirements while moving faster and reducing risk.

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Guided Product Selection  From Legal & Vesting Reports to Property Reports to Junior Loan Policies to Title Insurance, we help you choose the right option for your loan structure and risk profile.

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Title + Valuation Alignment
Our team compares title and valuation data to ensure consistency across reports—helping prevent underwriting delays and reducing manual rework.

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Built-In Protections
Warranty coverage up to $500K on loans up to $750K adds peace of mind and reduces risk exposure for you and your borrowers.

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A Network You Can Rely On
Our vetted abstractors deliver accurate results you can trust, supported by internal processes built for speed and reliability.

Closings Without the Headache

Let CSS manage home equity closings across your entire branch network—saving your team time, ensuring a consistent and compliant process, and delivering a smoother experience for your borrowers.

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In-Person Closings

Access our nationwide network of vetted notaries or partner with trusted attorneys in states where one is required. We handle scheduling, borrower coordination, and closing package review—so your staff doesn’t have to.

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Online Closings

Our team is well-versed in Remote Online Notarization (RON), helping you streamline closings for digital-first borrowers with speed and confidence.

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eRecording

CSS handles electronic document submission in eligible counties—and manages mail-in or walk-in recording where required.

Real Results. Real Relationships.

Lenders trust CSS to simplify home equity lending—with responsive support, faster processes, and fewer surprises. Here’s what they have to say:

I like a vendor that does their job well and lets me do mine well, without a lot of interaction. That is CSS! Their turnaround time is excellent, they have competitive pricing, and they are consistently reliable and accurate, and I am confident in their product. On the rare occasion that a discrepancy arises, it is rectified quickly and efficiently, and without the need for follow ups.
KAREN RACK, OCEANFIRST BANK
Vice President, Consumer Lending Operations Manager
It gives me great pleasure to recommend Corporate Settlement Solutions as a provider of Appraisal Management and Title Services. In the 8 years since we began our partnership, CSS has met all of our real estate lending needs, providing excellence in service by both word and deed. And in today’s ever-changing market that is a difficult task.
MELEA H. BROTHERTON, UNITED BANK
Sr. Vice President, Residential Lending

Home Equity Lending FAQ

We provide a full suite of valuation solutions, including AVMs, evaluations, hybrid appraisals, and full appraisals. Each loan is matched with the right product based on your risk tolerance, coverage area, and underwriting strategy—reducing your reliance on full appraisals and lowering costs.

Yes. We consistently deliver Property Reports and Junior Loan Policies in under two business days, with a revision rate under 3%. Legal & Vesting Reports are often returned within hours. 

We do. Whether Remote Online Notarization (RON), hybrid, or in-person, we offer closing options that fit your process and meet compliance requirements. We also partner with law firms in attorney states to ensure every detail is covered.

We run consistency checks across both title and valuation products to catch any discrepancies early, keeping your underwriting process smooth and efficient.

Absolutely. We eRecord in all available counties and manage walk-in or mail-in recordings where required. We also review documents to ensure they’re recordable and handle payments to the counties directly.

Yes. We offer warranty coverage ranging from $50K to $500K on loans up to $750K to help reduce your exposure and provide added protection on title products. In special circumstances, we can even provide coverage up to $1M.

Let’s Make Home Equity Lending Easier

Whether you’re looking to reduce appraisal costs, speed up title turn times, or simplify closings, we’re here to help. Let’s build a solution that works for your team—and your borrowers..