Your entire appraisal workflow, running itself.
Dwelling Blocks runs the appraisal from the moment the loan needs one to the moment the GSE accepts it, and most of it happens without a person touching it. Order, vendor, borrower payment, inspection, review and delivery on one record. Through your AMCs, direct to appraisers, or both. We power the largest direct-to-appraiser appraisal operation in the United States, and we make direct as easy as sending the order to an AMC.
- Oct 2 09:14OrderedorderCreatedfrom LOS · loan 4400123 · URAR · UAD 3.6
- Oct 2 09:14Borrower paidpaymentCompletedcard · receipt sent to borrower
- Oct 2 09:16AssignedappraiserSetven_21c4 · direct panel · accepted in 2 min
- Oct 2 09:41Inspection scheduledappointmentSettoday 14:00 CT · borrower confirmed by SMS
- Oct 2 15:12InspectedinspectionComplete24 photos · sketch · data validated by Ava
- Oct 3 08:47Report receiveduploadReportUAD 3.6 package · 41 pages
- Oct 3 08:47Reviewed by AvaQcReviewItemCompletedpass · 38 rules · 0 failed · 3.4 s
- Oct 3 08:48Appraiser paidpaymentSentStripe transfer · receipt rcpt_91ab
- Oct 3 08:53UCDP acceptedReportSubmissionCompletedSuccessful · doc_file_id 2000004418723
The last step of the mortgage still runs on email.
A collateral file passes through more hands than any other part of a loan: an ordering portal, an AMC, the appraiser's software, a QC vendor, a submission tool, and the inbox threads holding them together. Each handoff is a place for a file to wait, and a place for the record of what happened to disappear. Dwelling Blocks replaces the chain with one system. The order is placed where the loan lives. The borrower is charged. The right appraiser or AMC has the assignment in minutes. The inspection is tracked. The report is read the moment it arrives. The appraiser is paid. The file goes to UCDP with the submission ID written back to the loan. Every handoff is logged, and every decision can be shown to an examiner afterward.
Direct to appraisers used to be the hard way. We made it the easy way.
Most lenders use AMCs because going direct meant building a panel, chasing credentials and babysitting assignments. On Dwelling Blocks none of that is your job. Send the order and the system finds the right appraiser from more than 15,000 credentialed vendors, verifies license and insurance, confirms acceptance in minutes and tracks the inspection, the same way it would hand the order to your AMC. We power the largest direct-to-appraiser appraisal operation in the United States, and it runs exactly this way today. Keep the AMC relationships that work. Move the volume you want to control onto your own panel, by product, state or channel, whenever you are ready. The platform does not care which way you route; it just runs.
Split by product, state or channel. Here: Texas URAR volume on your panel, everything else through your AMCs. Change the rule any time.
We are software. We are not an AMC.
The AMCs you want to work with are understandably reluctant to run their orders through software owned by a competing AMC. Dwelling Blocks does not manage appraisals and does not run a panel of its own, so your AMCs are partners on the platform, not rivals feeding it. The lender pays nothing for the platform. The routing decision is yours, and the software has no stake in it.
For AMCs →One platform. One contract. Nothing to price by module.
Explore the platform →Review, with Ava.
Every report is read the moment it lands, against rules written in plain language. Each rule comes back pass, fail or inconclusive with the reasoning attached, and nothing moves until a blocking item is fixed or explained. Ava is built to be the best review and the easiest one: it runs on every report inside the platform with nothing to set up, or on its own, one API call, on any appraisal from any source.
About Ava →Ordering and vendor management.
Orders are created where the loan lives and routed to your direct panel, your AMCs, or both. Licenses, insurance, coverage and performance are tracked on every appraiser, AMC and inspector. Exceptions the system can resolve, it resolves; the ones that need a person arrive with the context attached.
Property data verification.
Property data collection and validation, with Ava reading every photo: room by room, what is shown, what is missing and what does not match the report.
Payments.
The borrower pays through the platform at order. The appraiser, AMC or inspector is paid on delivery, or on the schedule you set, with a receipt on every transfer and nothing for your accounts payable team to reconcile.
Delivery.
Submission to UCDP and EAD with the response written back to the loan. UAD 3.6 since 2025, approved for UCDP Direct Integration.
Analytics and benchmarks.
Turn times, vendor performance, exception and revision rates and first-pass acceptance, benchmarked against the more than 1,000 transactions a day that run through the platform.
API.
Everything above, over REST and webhooks. Public docs and no per-call pricing.
November 2 is closer than it looks.
From that date, every appraisal first submitted to UCDP has to be UAD 3.6, and the date that counts is the first submission, not the order. Dwelling Blocks has delivered 3.6 to UCDP since 2025, is approved for UCDP Direct Integration on 3.6, and Ava reads the new URAR as it is. If your current platform isn’t there yet, we can have you live before the mandate.
See where you stand →We power the largest direct-to-appraiser appraisal operation in the United States.
Chosen after a competitive evaluation and running at national scale today, direct to appraisers in every state. Hundreds of millions of dollars in appraisal payments have moved through the platform: borrower charged, vendor paid, a receipt on every transfer.
Nothing about your day changes, except the waiting.
Lenders do not switch platforms lightly, and they should not have to. This is the lowest-risk switch you will make: a dedicated team of enterprise-software and transaction specialists runs the integration, onboarding, launch and support, and we have taken a national lender from zero orders to full volume in three weeks once the integration was in place. Your underwriters keep working in the LOS. Your AMCs keep their orders. Your appraisers keep getting paid. Orders in flight finish where they started. Nothing in your pipeline waits on us.
How switching works →Your appraisers and AMCs, user setup, rule sets moved into Ava.
Orders created from the loan file, over the integration or the API.
Live orders alongside your current platform. Staff training.
On a date you choose. Your existing pipeline finishes where it started.
Two API calls. One orders the appraisal, one orders the review.
POST an order and the platform does the rest: assignment, inspection, payment, review, delivery, with webhooks on every step and the UCDP submission ID back on the loan. POST a report and Ava reviews it, whatever platform placed the order. Everything else the platform does is there too, over REST, with public docs and no per-call pricing.
Read the docs →POST /orders
{
"loan_number": "4400123",
"property": { "address": "1420 Cedar St", "city": "Austin", "state": "TX" },
"product": "urar",
"due_date": "2026-10-14",
"routing": "direct"
}
201 Created { "order_id": "ord_7f3a9", "status": "assigning" }
See your whole workflow run itself.
Thirty minutes, your current process on the screen, and a straight answer about how much of it we would automate on day one. Nothing is ripped out to find out.