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Keys to a new home


Automated Valuation Service

InstaValue is our automated valuation service. It is done quickly – entirely by us – with no visit required by an appraiser.

  • Quick, easy home valuation done entirely by us
  • No home visitation required
  • No upfront cost to your client*



*A $299 fee is deducted at closing.

Helping your clients use InstaValue is remarkably easy. Simply return the signed mortgage commitment and let us handle the rest.

  • Eligible on both purchase and refinance transactions
  • Owner-occupied properties (max. 4 units)
  • Eligible for loan to values up to 80%
  • Minimum FICO Score of 610+
  • Maximum property value of $1.5 Million (Geographical restrictions/limits may apply)

Q: When will InstaValue be conducted and how will I be notified? 

A: The automated valuation service will commence upon Community Trust’s receipt of your client’s signed commitment. Our internal team will complete the assessment and notify you of the details within 24 hours.

Q: Will InstaValue work for all residential mortgage applications?

A: There are some product types and file applications that are ineligible, but your underwriter will notify you if this is the case. If it is unsuccessful on your file, there will be no cost to your client.

Q. Is this service available in all of your lending locations?

A. Yes, subject to qualifications and restrictions listed above.

Q. We already have an appraisal completed by a Community Trust approved appraiser. Do we still need to complete this process?

A. If you already have a completed appraisal, you do not need to proceed with InstaValue. Make sure that you notify us, and we will review the appraisal in accordance with our appraisal policy.

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