Virtual Inspection™
Virtual Inspection: Faster, smarter property inspections
Secure, real-time property insights
Overcome inspection bottlenecks with Cotality Virtual Inspection. Integrated seamlessly into your existing CMS and Mercury Network workflows, our self-service tool empowers anyone you designate, from borrowers to builders, to securely capture property data directly from their smartphones in minutes.
Powered by Truepic’s patented technology, every image is cryptographically sealed with over 35 real-time integrity checks, ensuring 100% tamper-proof data. Eliminate scheduling delays, cut inspection costs by over 75%, and accelerate loan velocity without sacrificing risk integrity. Ideal for HELOCs, disaster inspections, and 1004D final inspections. Get faster property insights today.


The industry gold standard
Win on speed and cost without sacrificing integrity. We deliver photos you can trust, seamless integration, and a process that completely removes friction from your collateral risk management workflows.

Photos you can trust
Our secure mobile application blocks gallery uploads and executes 35+ real-time integrity checks to cryptographically seal images at the exact point of capture. This automated process blocks geo-spoofing and preserves data integrity so you can confidently evaluate real estate assets.
Instant, frictionless results
Field participants capture critical property data on their own schedules via smartphone, completely removing vendor scheduling bottlenecks. The self-service system processes information immediately, delivering a comprehensive inspection report directly back to your platform in minutes.
Seamless platform integration
Order, track, and review virtual inspections natively within your existing Cotality CMS and Mercury Network workflows. Your team avoids the operational overhead of learning new standalone software, navigating external portals, or onboarding unverified third-party tech vendors.
Custom templates and instant PDFs
Tailor property data requirements using customizable, branded templates built for your specific lending criteria. Complete inspections instantly trigger a comprehensive PDF report packed with clear visual evidence, time-stamped metadata, and automated risk flag alerts.

Photos you can trust
Our secure mobile application blocks gallery uploads and executes 35+ real-time integrity checks to cryptographically seal images at the exact point of capture. This automated process blocks geo-spoofing and preserves data integrity so you can confidently evaluate real estate assets.
Instant, frictionless results
Field participants capture critical property data on their own schedules via smartphone, completely removing vendor scheduling bottlenecks. The self-service system processes information immediately, delivering a comprehensive inspection report directly back to your platform in minutes.
Seamless platform integration
Order, track, and review virtual inspections natively within your existing Cotality CMS and Mercury Network workflows. Your team avoids the operational overhead of learning new standalone software, navigating external portals, or onboarding unverified third-party tech vendors.
Custom templates and instant PDFs
Tailor property data requirements using customizable, branded templates built for your specific lending criteria. Complete inspections instantly trigger a comprehensive PDF report packed with clear visual evidence, time-stamped metadata, and automated risk flag alerts.
FAQ
What is a Cotality Virtual Inspection?
It is a secure, digital, self-service tool that lets you collect required property photos using a smartphone or tablet. Instead of waiting for a third party vendor, you send a secure link to a borrower, realtor, or other party of your choosing. The application walks them through taking the needed photos of the property, and our solution ensures the captured images are 100% authentic and tamper-proof.
How do you prevent photo manipulation?
We’re integrated with a recognized industry leader in digital content authentication to provide unmatched data integrity. The application blocks users from uploading existing photos from their camera roll. It runs over 35 real-time checks to detect geo-spoofing and rooted devices, cryptographically sealing every image at the point of capture.
Does this integrate with my workflow?
Yes, absolutely! Our virtual inspection tool will be available in the Cotality collateral platforms you already use, including CMS and Mercury Network. You can order, manage, and review all your virtual inspections without leaving your current system. There is no new vendor onboarding or software for your team to learn.
Are virtual inspections accepted by loan investors?
Lenders are using virtual inspections across a growing range of use cases, including post-disaster inspections, 1004D final inspection alternatives where permitted, HELOCs, portfolio lending, conforming loans and servicing related inspections. Our solution can support all these use cases and more.
How quickly will I receive the report?
You will receive the results instantly. As soon as the user completes the guided photo capture on their smartphone, a comprehensive, tamper-proof PDF report is generated. This report, containing all images and any red-flag alerts, is delivered directly to your Cotality platform for immediate review.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.
Trying to reach us by phone?
Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.
Looking for support?
Visit our dedicated support page to find support for all our products.
Appraisal Scope™, Collateral Management Solutions®, CMS®, and Mercury Network® don't produce appraisals, hire appraisers, fund loans, or manage valuations. Appraisal Scope™, Collateral Management Solutions®, CMS®, and Mercury Network® are not an Appraisal Management Company (AMC). They do not perform functions such as administering and recruiting or selecting a panel of appraisers, negotiating customary and reasonable fees with appraisers, or performing quality control.