For Loan Officers

Become The Appraisal Go To For Your Agents!

Help structure deals, troubleshoot contract prices, and understand equity for refis with our Compcheck.ai research.

Problem Block

The deal was solid. Then the appraisal came in low.

Most loan officers don’t see the appraisal problem coming. The borrower trusts Zillow. The agent priced the home with an AVM. The valuation that comes back from the appraiser has nothing to do with either of them — and now you’re scrambling to save the deal, restructure the loan, or have a conversation no one wants to have.
The fix isn’t another AVM. It’s the same data the appraiser will pull — in your hands before the application closes.

Why Loan Officers Use Researchstore.com

Walk in with the data the appraiser will use.

Validate online values before you commit.

Run public-record comps on every property — purchase or refi — before you set borrower expectations. Compcheck.ai gives you what Zillow can’t: real comps, real distance filters, real similarity scoring.

Replace AVMs with a model appraisers actually trust.

Meridian CVM is a Calculated Value Model built on appraiser-derived methodology — not algorithmic guesswork. Use it to validate borrower expectations before the appraisal arrives, not after.

Get instant answers on Fannie Mae, FHA, and VA guidelines.

The AI Appraisal Assistant is trained on every major lending guideline — Fannie Mae, Freddie Mac, FHA, VA. Get instant guideline answers and structured Reconsideration of Value (ROV) support without digging through handbooks.

Turn agent partners into referral partners.

Share AI-powered research links with your listing agent partners. Every share positions you as the expert on pricing and the appraisal process — and gives them something they can’t get from any other lender in the market.

Which Tools You'll Use

Four tools. One free registration.

Plus a fourth via a separate free registration at AppraisalIntelligence.com.

Smart Research (your daily driver)

Voice or text-activated AI comp research across 400+ MLS databases. Run a full report from the car before you arrive. AI similarity scoring on every comp.

Valuetest.ai

Appraisal-grade comp research across 400+ MLS databases. Free and unlimited for verified MLS members. Use it for CMAs, annual reviews, and pricing confidence.

Meridian CVM

The Calculated Value Model you demo at the kitchen table. Built on appraiser-derived methodology. Watch the value move as you choose the comps.

Compcheck.ai

Public record comp research for loan officers and agents without local MLS access. Validate online values. Set borrower expectations before the appraisal arrives

"These are AMAZING! Saved my client $800 in fees — and helped us pivot to refinance another home instead."

Nick H.

Loan Officer

How It Works

Step 1

Register free at HeyValueTest.com.

Unlocks Compcheck.ai, the AI Appraisal Assistant, and two more tools. Under 2 minutes.

Step 2

Register free at AppraisalIntelligence.com.

Unlocks Meridian CVM. Another 2 minutes.

Step 3

Run your first
report.

Pull comps on a current pipeline file. Compare what you get to the AVM your borrower is quoting.

Step 4

Walk into the borrower call with real data.

Set expectations with appraiser-grade evidence — not guesses.

Frequently Asked Questions

How do I validate AVMs before the appraisal arrives?

Run the property through Compcheck.ai for public record comps and Meridian CVM for an appraiser-derived value. Compare the result to the AVM your borrower or LOS is quoting. If the gap is significant, set borrower expectations before the appraiser arrives — not after.

How do I prepare a borrower for the appraisal?

Pull comps before the appraisal is ordered. Walk the borrower through what the appraiser will likely find — including any comps that work against the value they want. The conversation is much easier before the appraisal than during a Reconsideration of Value request.

Do I need MLS access to use REsearchStore.com as a loan officer?

No. Compcheck.ai uses public record data and doesn’t require MLS membership. The AI Appraisal Assistant and Meridian CVM also don’t require MLS access. Smart Research and Valuetest.ai do verify MLS membership for full functionality.

What does this cost?

Nothing. The Standard Plan covers all five tools and is free and unlimited — during and after beta. No credit card required for either registration.

Are private-labeled deployments available for lender teams?

Yes. The AI Appraisal Assistant in particular can be private-labeled for lender clients. Contact us to discuss.

Ready to stop being surprised by appraisals?

Four Tools. One Registration