Loan Valuations

Whether it is for estate planning (tax) purposes or to assist a lending institution in evaluating its sales options, SMS can evaluate a package of loans or an individual asset.

SMS considers a variety of factors in evaluations, including:

• Current comparable sales based on today's market conditions
• Strength & market value of the personal guarantees or collateral, if any
• Loan terms and seasoning
• Payment history
• Worst case scenarios

In addition, SMS conducts a complete survey of secondary market buyers and sellers to determine the appropriate discount rate that should be applied.