Collateral decisions you can actually
stand behind.
Send us an appraisal. In under 60 seconds you get back a scored, human-validated Collateral Intelligence Report not another dashboard to learn, not another six-month integration.
- Built on 360,000+ appraisals processed every year, across 25+ AMCs.
Collateral Intelligence Report
Order #48213 · SFR, 1004
1,300+ checks run against active UAD ruleset
UAD 3.6
Agency
Comparable adjustments within tolerance
Comparable adjustments
within tolerance
UAD 3.6 field flagged for reviewer sign-off
UAD 3.6 field flagged for
reviewer sign-off
Comparable adjustments within tolerance
Comparable adjustments
within tolerance
Reviewed by USPAP-certified professional
From appraisal to intelligence, before your coffee's cold.
Submit a file and GOCIQ runs it against more than 1,300 validation checks in under 60 seconds checking compliance, comparables, condition, market conditions, documentation, and reconciliation all at once.
You don’t get raw model output. Every finding is confirmed by a USPAP-certified appraisal and underwriting professional before it reaches your team, so what lands in your inbox is intelligence you can act on, not a list of maybes.
Faster turnaround. Fewer surprises. More confidence in every collateral decision.
Submit the appraisal
Whatever format you already use, as-is
GOCIQ analyzes it
1,300+ checks, correct UAD ruleset, under 60s
A professional validates it
USPAP-certified sign-off on every finding
This isn't software your team has to learn. It's an answer you can trust.
GOCIQ isn’t a dashboard for your team to configure and babysit. It’s a service: you send an appraisal, GOCIQ sends back intelligence. Technology finds what’s wrong. Certified professionals confirm what matters. You get a scored, validated report that’s the whole workflow.
Traditional review tells you what happened. Collateral Intelligence tells you what matters.
Traditional review
A reviewer works through the file manually. Notes come back inconsistent, dependent on who caught what, and slow to arrive.
Every file is scored the same way, findings are confirmed by a certified professional, and the report lands in under a minute.
SAME FILE · DIFFERENT OUTCOME
No new system. No 18-month project.
GOCIQ is a service, not software you buy and maintain so there’s no lengthy implementation, no six-figure integration project, and nothing new for your team to learn. Our engineering team configures GOCIQ around how you already review collateral: your standards, your investor requirements.
You could be receiving Collateral Intelligence Reports within days. An API is there for later, whenever you want a tighter connection until then, GOCIQ simply works around the process you already have.
Speed from the machine. Confidence from the people who've seen it all.
The market is full of AI tools lenders don’t fully trust no clear ROI, no accountability, nothing standing behind the output. GOCIQ is built on a different principle.
What the AI does
- Runs 1,300+ checks against the correct UAD ruleset
- Flags compliance, comparable, and reconciliation issues
- Produces the GOCIQ Score and findings in under 60 seconds
What the person confirms
- USPAP-certified professionals validate every finding
- Judgment calls the model shouldn't make alone
- Sign-off your team, examiners, and investors can rely on
Collateral review is under more pressure than it's been in years.
UAD 3.6 is live, manual review doesn’t scale, and everyone downstream wants proof not notes.
20–40% of files
Industry estimates suggest this share of agency appraisals in the UAD 3.6 transition carry at least one non-compliant field. Old checklists miss the new fields entirely.
45–60 min · $45–90/hr
That's the manual review cost per file today. Quality varies by reviewer, and backlogs build during volume spikes.
12–18 months · $80K+
What most AI tools cost to integrate a new system to manage, with no one standing behind the output.
30–60 min per file
Time underwriters spend catching UAD issues manually because QC delivered notes, not a clear signal.
Documented evidence
Examiners, warehouse lenders, and investors all expect proof per file now. Reviewer notes alone don't qualify anymore.
Repurchase
Repurchase demands tied to UAD non-compliance are one of the most expensive ways to discover a process gap.
What changes for your team, in practice.
<60 sec
vs. 45–60 min of manual review, per file
3x+
Reviewer productivity investigation to validation
100%
Consistent scoring, every file, every reviewer
30–60 min
Manual UAD checking removed per file for underwriters
Every file
Timestamped, reviewer-signed audit certificate
How GOCIQ works, start to finish.
Five steps. Nothing for your team to configure beyond telling us how you already work.
01
Submit
Send any appraisal, in the format you already have. Your configuration sets the UAD version and loan type automatically.
02
Analyze
GOCIQ runs 1,300+ checks against the correct UAD standard for that file. No version mismatch, no false flags.
03
Validate
A USPAP-certified appraisal and underwriting professional reviews the findings before anything reaches you.
04
Deliver
You receive a GOCIQ Score, a detailed findings breakdown, and a ready-to-send revision letter in under 60 seconds.
05
Decide
Underwriters see the risk signal before opening the file. Credit teams route by threshold. Examiners audit the record.
One score. Six domains. Zero guesswork.
Every point traces back to a specific rule and field nothing about the GOCIQ Score is a black box.
Composite across six collateral quality domains explainable, auditable, and consistent from file to file.
Built for the whole market, not just one seat at the table.
Collateral decisions shouldn’t depend on who happens to review the file. They should depend on consistent, explainable intelligence.
- Pre-underwriting collateral intelligence on every file, across both UAD 2.6 and 3.6
- Buyback defense through a documented pre-delivery QC trail
- The scored record examiners, warehouse lenders, and investors expect
- Switch UAD versions with a configuration change, not a rebuild
Agency · GSE · Private · Non-QM · Portfolio · Credit Unions
Confidence before the file ever reaches underwriting.
Every collateral decision backed by a certificate built for FHFA and secondary market audit.
- Manual QC time cut from 45–60 minutes down to roughly 15
- Revision letters drafted automatically, ready to send
- Reviewer scorecards backed by evidence for panel conversations
- Turn QC from a cost center into a lender panel differentiator
Panel management
QC that pays for itself in reviewer time alone.
Evidence-backed scorecards make panel conversations a lot easier to have.
- Clear, field-specific revision requests citing the correct UAD version
- No ambiguity, no wrong-version references, fewer revision rounds
- Fix the right things the first time, back into production faster
Fewer round trips
Revision requests that actually tell you what to fix.
No more guessing which UAD version a comment is even referencing.
Launching with proof, not a pitch. Three clients signed before go-live — one regional lender and two AMC partners. They didn't sign up for a demo. They signed up to go live.
Built from production workflows, not a product thesis.
GoSource runs mortgage and valuation operations every day. GOCIQ’s rules reflect how appraisals actually fail, because we’ve watched them fail at scale, for years.
We’re not the outsourcing company you’re picturing. Technology leads, USPAP-certified experts validate, and clients receive outcomes with human validation built into the service, not priced as an add-on.
360,000+
Appraisals processed annually
25+
AMC relationships
USPAP-certified
validation on every file
Priced for real file volumes,
not enterprise-only budgets
Human validation included in
the service, not an upsell
Questions we hear the most.
Is GOCIQ another AI tool we need to integrate?
GoSource runs mortgage and valuation operations every day. GOCIQ’s rules reflect how appraisals actually fail, because we’ve watched them fail at scale, for years.
How is GOCIQ different from traditional appraisal QC?
Four ways: it’s a service, not software you receive intelligence, not tool output. Every finding is validated by a USPAP-certified professional before it reaches you. It covers both UAD 2.6 and 3.6 from one service. And it’s priced for real file volumes, not enterprise-only budgets.
How long does it take to get a report back?
The AI produces findings and a GOCIQ Score in under 60 seconds. A USPAP-certified professional then reviews and validates those findings before the report reaches you speed from the AI, confidence from the person.
Does GOCIQ support both UAD 2.6 and UAD 3.6?
Both, from day one. GOCIQ maintains separate rule sets for each standard Agency and GSE sellers get 3.6 intelligence, while Private, Non-QM, portfolio, and credit union lenders get 2.6 with no 3.6 noise. Switching is a configuration change, not a rebuild.
Let's run GOCIQ on one of your files.
No pitch deck required. Send an appraisal, we’ll send back a Collateral Intelligence Report, and you can judge it on your own file, not a case study.