The High Value Appraisal Program (HVAP)

Maximizing Returns for Real Estate Investors

In real estate investing, every expense impacts the bottom line. Investors often focus on acquisition costs, rehab budgets, and potential rental income, but one expense that consistently comes up in the financing process is the property appraisal. While necessary, appraisals can cost hundreds of dollars and add to the upfront financial burden.

That is why National Mortgage Home Loans created the High Value Appraisal Program (HVAP). Designed specifically for real estate investors with properties valued at $500,000 or more, HVAP eliminates appraisal fees by covering the cost for you. For investors looking to grow their portfolio strategically, this program represents a smarter, more cost-efficient way to finance high-value properties.

What Is the High Value Appraisal Program?

The HVAP is a financing incentive program that removes the cost of the appraisal when you apply for funding on properties worth $500,000 or more. Appraisals are a required part of nearly every mortgage transaction, providing lenders and investors with an unbiased evaluation of the property’s market value.

By covering this cost, HVAP allows investors to focus more of their capital on deal-making, property improvements, and scaling their portfolios rather than on administrative expenses.

Why Appraisals Matter

An appraisal serves as a safeguard for both lenders and investors. It ensures that the property’s value aligns with the purchase price and helps prevent overpaying. For investors, it provides reassurance that their deal makes financial sense.

However, while appraisals are necessary, they are also costly. Depending on the property and location, an appraisal can range anywhere from $500 to over $1,500. For investors working on multiple deals each year, these expenses add up quickly. HVAP addresses this challenge head-on by removing appraisal fees altogether.

Key Benefits of HVAP for Investors

• Significant upfront savings. With appraisal costs eliminated, investors keep more money in their pocket.

• Better cash flow management. Extra capital can be redirected toward renovations, marketing, or additional investments.

• Faster deal execution. By streamlining the financing process, investors can move quickly when opportunities arise.

• Reduced risk. Even though the cost is waived, you still receive a professional appraisal that ensures the property value supports your deal.

• Investor-focused lending. HVAP is offered exclusively to real estate investors, reflecting an understanding of your specific needs.

  
  

Who Qualifies for HVAP?

The High Value Appraisal Program is open to investors who:

• Own or are purchasing properties valued at $500,000 or higher

• Apply for financing through National Mortgage Home Loans

• Intend to use the property for investment purposes rather than as a primary residence

This program is particularly valuable for investors working with higher-end residential properties, multifamily units, or commercial real estate assets.

Why National Mortgage Home Loans?

National Mortgage Home Loans specializes in working with real estate investors. Unlike traditional lenders, NMHL understands the complexity of investment deals and offers a wide range of programs, from DSCR (Debt Service Coverage Ratio) loans to non-QM (non-qualified mortgage) solutions.

By pairing every client with a dedicated director, NMHL ensures you receive personalized support throughout the financing process. The HVAP is another example of how NMHL creates investor-focused opportunities designed to reduce barriers and increase profitability.

How to Get Started

Taking advantage of HVAP is simple. If you have a property worth $500,000 or more, contact NMHL to apply. Once qualified, your appraisal is covered at no cost to you, ensuring you can move forward confidently and efficiently.

Final Thoughts

For real estate investors, maximizing returns requires more than just identifying profitable deals. It also means reducing unnecessary expenses along the way. The High Value Appraisal Program provides a unique opportunity for investors to save money, streamline the financing process, and keep more capital available for growth.

If you are ready to finance your next $500,000+ property, HVAP is a program worth leveraging. National Mortgage Home Loans is committed to supporting investors like you with innovative solutions that make investing smarter, faster, and more profitable.