BPO Services · Orlando & Central Florida
Broker Price Opinions for banks, lenders & servicers.
Exterior, interior and desktop BPOs across seven Central Florida counties — prepared and signed by a licensed Florida broker who prices homes in these neighborhoods every week, not a vendor-network agent an hour away.
BK3354351
Florida broker license
11 yrs
Central Florida market
230+
Closed transactions
24–48 hr
Rush delivery available
What is a broker price opinion?
A broker price opinion (BPO) is a written estimate of what a property would most likely sell for, prepared by a licensed real estate broker from closed comparable sales, the active listings it would compete with, and current local market conditions.
Lenders order BPOs when they need a fast, market-grounded value but a full appraisal is not required — short sales, REO pricing, loan modifications, HELOC reviews and portfolio monitoring. A BPO typically costs a fraction of an appraisal and is delivered in days, not weeks.
The quality of a BPO comes down to comp selection and local judgment. Central Florida is block-by-block: lakefront versus lake-view, a Windermere address in an Orange County ZIP, a 1960s block home next to a 2022 rebuild. An automated value misses that. A broker who lists and sells in the area does not.
Why institutions use us
- ✓Prepared and signed by the broker — never outsourced
- ✓Comps verified against MLS and county records
- ✓Your form, your portal, or our full-length report
- ✓Line-item adjustments and a written reconciliation
- ✓Rush delivery in 24–48 hours for most addresses
- ✓Fee never contingent on the value reported
- ✓Direct line to the broker for questions and rebuttals
Products
Exterior, interior & desktop BPOs
Exterior (drive-by) BPO
2–3 business days
The standard default-servicing BPO. Street-side inspection and photos, public-record and MLS verification of the subject, and a full comparable-sales analysis.
- •Subject, street and address-verification photos
- •3 closed sales + 3 active listings
- •As-is and quick-sale values on request
- •Neighborhood and marketing-time commentary
Interior BPO
Scheduled on access
Everything in an exterior BPO plus a walk-through, so condition is observed instead of assumed. The right choice for REO list-price decisions and as-repaired values.
- •Room-by-room interior photos
- •Itemized repair estimate
- •As-is and as-repaired values
- •Occupancy and condition notes
Desktop BPO
1–2 business days
No site visit. Built from MLS history, county records and recent comparables — useful for portfolio screens, HELOC line reviews and tape-level triage.
- •Comparable-sales grid
- •Market trend context
- •Value range with reconciliation
- •Flags for properties that need a site visit
Who orders BPOs
BPOs for every stage after origination
Loss mitigation & short sales
Is the short-sale offer at market? A defensible BPO tells the investor whether to approve, counter or decline.
REO list-price strategy
As-is and as-repaired values, a 30/90-day pricing recommendation and the competing inventory a buyer will actually compare against.
Loan modifications & workouts
Current value for LTV, modification and charge-off decisions, delivered in the format your investor guidelines require.
HELOC & line management
Desktop or exterior BPOs to confirm collateral before freezing, reducing or extending a line.
Portfolio & pool valuation
Batch BPOs for loan sales, note purchases and periodic collateral monitoring across a Central Florida book.
Estates, trusts & attorneys
Date-of-death and current-value opinions for estate planning, probate and partition — not for tax filings that require an appraisal.
The deliverable
What's in a MaxLife BPO report
- 01Executive summary with the reconciled value and range
- 02Subject property description, verified against county records
- 03Market context: inventory, absorption, days on market and price trend for the immediate area
- 04Sales comparison grid with line-item adjustments
- 05Active competition the subject would be listed against
- 06Rent and income cross-check for rental and 2–4 unit properties
- 07Reconciliation explaining how the final opinion was reached
- 08Photos, assumptions, limiting conditions and signed broker certification
Prefer your own template? We complete client forms and vendor-portal BPOs, including as-is, as-repaired and quick-sale value fields.
Choosing a valuation
BPO vs. appraisal vs. AVM
| Broker price opinion | Appraisal | AVM | |
|---|---|---|---|
| Prepared by | Licensed broker or sales associate | State-certified or licensed appraiser | Algorithm |
| Typical turnaround | 1–3 business days | 1–3 weeks | Instant |
| Property inspected | Exterior, interior or none | Usually interior | Never |
| Local market judgment | Yes — active agent in the market | Yes | No |
| Typical uses | Default, REO, workouts, HELOC, portfolio | Origination, litigation, tax | Screening, triage |
| Regulatory standard | Florida Chapter 475; not an appraisal | USPAP | Model governance |
Compliance & independence
Florida law. BPOs are prepared by a licensed Florida real estate broker under Chapter 475, Florida Statutes. A broker price opinion is not an appraisal, is not prepared under USPAP, and is never represented as one.
Federal law.Under 12 U.S.C. §3355, a BPO may not be used as the primary basis to determine the value of a consumer's principal dwelling for a residential mortgage origination. We accept assignments for default servicing, loss mitigation, REO, workouts, line management, portfolio review, estates and other permitted uses.
Independence. Our fee is set before the assignment and is never contingent on the value reported, a predetermined value, or the outcome of a loan decision. We disclose any prior involvement with a subject property before accepting the order.
Service area
Central Florida BPO coverage
Including Orlando, Winter Park, Windermere, Dr. Phillips, Lake Nona, Kissimmee, St. Cloud, Sanford, Oviedo, Clermont, Leesburg, DeLand, Daytona Beach, Melbourne, Palm Bay, Titusville and Lakeland. Outside the area? Ask — we will tell you honestly whether we are the right broker.
Need a value on retail, industrial, office, multifamily (5+ units) or land? See commercial BPOs.
Order
Order a BPO or set up a vendor relationship
Send a single address, a handful, or ask for onboarding paperwork (W-9, license, vendor forms) to add MaxLife Realty to your approved BPO panel.
Fees are quoted per assignment, with volume pricing for recurring work. Every order is confirmed with a fee and due date within one business day.
321.373.3536 — call or text
Broker price opinion FAQ
What is a broker price opinion (BPO)?+
A broker price opinion is a written estimate of a property's probable selling price, prepared by a licensed real estate broker or sales associate from comparable sales, active competition and current market conditions. Banks, servicers and asset managers use BPOs for loss mitigation, REO pricing, loan modifications, HELOC reviews and portfolio monitoring, where a full appraisal is not required.
Is a broker price opinion the same as an appraisal?+
No. Under Florida law (Chapter 475, Florida Statutes) a broker price opinion may not be referred to or construed as an appraisal, and it is not prepared under USPAP. Federal law (12 U.S.C. §3355) also bars using a BPO as the primary basis for valuing a consumer's principal dwelling when originating a residential mortgage. BPOs are used for the many decisions that come after origination: default, workout, REO and portfolio review.
How long does a BPO take?+
Exterior and desktop BPOs are typically delivered within 2–3 business days of the order; interior BPOs depend on when access to the property can be arranged. Rush delivery in 24–48 hours is available for most Central Florida addresses. Volume and recurring assignments are scheduled to your SLA.
What is the difference between an exterior and an interior BPO?+
An exterior (drive-by) BPO is based on a photographed street-side inspection plus public records and MLS data; interior condition is assumed. An interior BPO adds a walk-through with interior photos, so condition, updates and needed repairs are observed rather than assumed — which matters most for as-repaired values, REO marketing and short-sale decisions.
Can you complete our institution's BPO form?+
Yes. We complete client-supplied forms and vendor-portal templates, including the common as-is, as-repaired and quick-sale value fields, or deliver our own full-length BPO report with a sales comparison grid, market context, reconciliation, photos and a signed certification.
What areas do you cover?+
Residential BPOs across Central Florida: Orange, Seminole, Osceola, Lake, Volusia, Brevard and Polk counties, including Orlando, Winter Park, Kissimmee, Sanford, Clermont, Daytona Beach, Melbourne and Lakeland. Commercial, industrial and land BPOs are handled through our commercial division, MaxLife Commercial.
Who prepares and signs the BPO?+
Every BPO is prepared and signed by Ryan Solberg, Florida licensed real estate broker BK3354351, with 11 years in the Central Florida market and 230+ closed transactions. The fee is never contingent on the value reported.
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