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Services & Platform

Everything you need to run a compliant, in-house appraisal program.

PAM combines a lender-managed engagement model with the automation, integrations, and documentation of a modern platform.

A Better Way to Order Appraisals

We offer a residential platform and a commercial platform.

PAM gives mortgage lenders a fully compliant, lender-managed alternative to traditional AMCs — with measurable savings for borrowers and fair compensation for appraisers.

Self-Engagement Model

Build and manage your own curated appraiser roster — qualified, local professionals you trust.

Intelligent Rotation

Automated, compliant rotation by market sector keeps your engagements within independence rules.

Complete Transparency

Track every order, document every step. Audit-ready reports for examiners and stakeholders.

Zero-Cost Platform

100% free for lenders and appraisers. A single $99 flat fee is added to each completed order.

Universal Integration

Works with Encompass and every major Loan Origination System out of the box.

Full Audit Trail

Built for audit readiness from the ground up — communications, status, and pricing all logged.

Compliance & approval

PAM was designed by people who have lived the regulatory side of appraisal management. Every workflow on the platform is built to keep your institution audit-ready.
Approved in all 50 states
Meets Appraiser Independence Requirements (AIR)
Satisfies all federal and state regulatory requirements
Lender-managed, appraiser-direct engagement model
Built for audit readiness from the ground up

Pricing Transparency

A line-by-line look at how a typical appraisal cost breaks down with a traditional AMC versus the PAM platform.

Fee Type Traditional AMC PAM Platform
Platform Fee to Lender
$0

$0 (FREE)
Appraiser Fee
$350–450

$400–500
AMC Markup
$300–800

$0
PAM Flat Fee
—

$99
Order Acceptance Fee
$20–$31.50

$0
Payment Processing Fee
~$15

$0
Total to Borrower
$750–1,800

$499–599
A line-by-line look at how a typical appraisal cost breaks down with a traditional AMC versus the PAM platform.

Integration & Workflow

PAM drops into your existing originations stack. No rip-and-replace, no new operations team, no disruption to your underwriters or processors.
Seamless Encompass integration
Works with all major LOS platforms
Automated order routing
Real-time status tracking
Complete compliance documentation
Setup in 1–2 weeks, with training

Why the Difference Matters

Traditional AMC model

  • Hidden markup baked into the borrower's invoice
  • Geographic mismatches — appraisers sent hours from the property
  • Appraisers chosen by lowest fee, not best fit
  • Appraisers asked to bid on orders
  • Order and processing fees nickel-and-dime appraisers

PAM platform

  • Transparent pricing — borrowers see exactly what they pay
  • Local, qualified appraisers chosen by you
  • Compliant rotation handled automatically by the software
  • $0 fees for appraisers — they keep what they earn

Common Questions

How much does PAM cost for lenders?
PAM is 100% free for lenders. There are no platform fees, no contracts, and no setup costs. The only fee is our $99 flat fee per order, which goes to PAM to maintain the platform. This replaces the typical $300–$800 AMC markup.

Yes. PAM operates under a lender-managed, appraiser-direct engagement model that is approved and fully compliant in all 50 states. Our platform satisfies all federal and state regulatory requirements, including Appraiser Independence Requirements (AIR).

Borrowers typically save 25% to 40% on appraisal costs. A standard single-family appraisal that costs $750 with a traditional AMC costs $499 with PAM ($400 appraiser fee + $99 PAM fee). For a Brooklyn 3-family property, savings are even more dramatic: $999 with PAM vs. $1,500–$1,800 with a traditional AMC.

Yes. PAM integrates seamlessly with Encompass and all major Loan Origination Systems. The integration is straightforward and our team provides full setup support and training.

No. PAM requires no contracts. Lenders maintain complete flexibility and can use the platform order-by-order with no long-term commitments.

An AMC is a third-party intermediary between lenders and appraisers. Many lenders believe they must use one, but the Dodd-Frank Act only requires a compliant appraisal process — not specifically an AMC. PAM provides that compliant process without the AMC markup.

Lenders build their own roster of qualified appraisers — experienced, geographically competent professionals you trust, not whoever accepts the lowest fee. The platform then automatically rotates through your curated roster to maintain compliance.

Unlike traditional AMC platforms, PAM charges appraisers zero fees. No order acceptance fees ($25 to $30+ per order typically), no payment processing fees (typically $15), and appraisers receive fair compensation instead of having 40–60% taken by an AMC.
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