This guide covers everything from data sources and security to integrations, enrollment, and ongoing engagement - designed for both financial institutions and their members.
If you have additional questions, please reach out to our support team at support@array.zendesk.com.
General Overview
What is My Home Value?
My Home Value is a white-labeled property tracking solution built for banks and credit unions.
It embeds directly into your digital banking experience, allowing members to:
- Track their home value and equity in real time
- Explore borrowing power and personalized offers
- Access financial education and home insights all within your branded environment
It’s designed to help homeowners make smarter financial decisions while deepening engagement with your institution.
Security & Compliance
How does My Home Value protect user data?
My Home Value uses bank-level encryption and undergoes regular third-party security audits.
All data remains private between your institution and your members. It is never sold or shared externally.
Does My Home Value comply with state-specific laws?
Yes. Property Intelligence does not generate or act on trigger leads.
All offers are based on your institution’s first-party data (home value, equity, and engagement).
If your institution sends offers (e.g., “You may qualify for a HELOC”), those communications remain under your compliance oversight.
Platform & Data
Where do property valuations come from?
My Home Value uses the My Home Value Estimate, a proprietary Automated Valuation Model (AVM) using Batch. This valuation comes from MLS feeds and the county record systems.
Batch covers over 98% of U.S. residential homes, offering hyperlocal accuracy with updates every 30 days.
If a member thinks their home value isn’t accurate, they can update their home facts to recalculate the estimate.
What is the confidence score for the AVM model?
The My Home Value Confidence Score (AVM) reflects how closely our model’s valuation aligns with actual market conditions.
A higher score means the model has strong data for that property (good comparable sales, stable market conditions), while a lower score means the estimate may have more variability.
A high score doesn’t replace an appraisal.
It simply reflects the strength of the data behind the estimate.
A score may be lower if:
- The property is unique or has few comparable sales
- Local market activity is slow or inconsistent
- Recent data isn’t available in that area
This doesn’t mean the estimate is wrong, just that there is more uncertainty in the available data.
Can institutions use their own AVM or underwriting rules?
While you can’t plug in your own AVM directly, My Home Value aligns all displayed insights (borrowing power, equity thresholds, etc.) with your internal lending criteria, including property exclusions, LTV caps, or confidence thresholds.
You’ll still underwrite using your internal models; My Home Value simply drives qualified, pre-aligned leads to your team.
Can displayed values or equity ranges be customized?
The home value generated by the AVM can be adjusted by the member editing their home facts.
Equity and borrowing power ranges are fully configurable on the backend through the admin dashboard. You can adjust:
- LTV thresholds
- Confidence score filters
- Property exclusions
- Display logic (e.g., range view vs. single value)
Integrations & Connectivity
Does Property Intelligence integrate with CRMs and marketing systems?
Property Intelligence integrates with popular systems such as Salesforce, Microsoft Dynamics, and HubSpot via:
- APIs or Webhooks for real-time triggers
- Batch file exports for campaign systems
- Native dashboards for institutions without CRM integrations
How are member communications sent?
You can integrate your email domain via DNS to send messages from your institution’s branded email address (e.g., home@mycreditunion.io).
All emails are sent securely through Array's servers and can be customized to align with your branding.
Member Experience
What do members see when they log in?
Members access a personalized home dashboard featuring:
- Real-time home value and confidence range
- Total equity and borrowing power
- Personalized product offers (HELOCs, refinance, insurance, etc.)
- Educational content and actionable next steps
👉 Check out My Home Tracker Overview
How do members enroll?
There are two enrollment methods:
- Auto-Enroll (Instant Access): Members are automatically activated upon login.
- Opt-In: Members verify ownership and confirm their address before gaining access.
👉 Enrolling Your Members to My Home Tracker
Can members manage their own information?
Yes. Members can:
- Update home and loan details
- Add or remove properties
- Set a primary residence
- Manage notifications and saved offers
Engagement & Communication
What communications do members receive?
Typical automated campaigns include:
- Welcome Series introducing Property Intelligence
- Home Value Alerts when valuations change
- Monthly Summaries showing updated insights and offers
All links deep-link via SSO back into your banking app.
Can members turn off email notifications?
Yes. Members can manage or disable email alerts for updates, offers, or summaries.
How does Property Intelligence maintain engagement over time?
Engagement is driven by:
- Monthly updates and dynamic offer reminders
- Personalized dashboards that evolve with changing property data
- Targeted seasonal campaigns (refinance, renovation, etc.)
FIs typically see members log in 3-4 times per month, and homeowners are 3-4x more likely to pursue lending products through their financial institution.
Getting Started
How does My Home Value differ from credit monitoring tools?
While credit monitoring focuses on credit health, Property Intelligence helps homeowners unlock and manage their home equity.
It complements credit tools by engaging members around their largest financial asset: their home.
Can members track properties in other states?
Yes. Members can enroll properties in any supported region. Institutions can also restrict out-of-state properties as part of an initial rollout through your digital app provider.
Troubleshooting & Support
What if a property valuation seems incorrect?
Encourage members to verify against public listings or recent appraisals and update any recent renovations that might not be reflected in the records.
If major discrepancies appear, your institution can request a review through Array's support channels.
What happens when a member moves or sells their home?
Members can remove old addresses from their My Home Tracker settings and add their new address.
👉 Learn about Managing Multiple Homes
What if a member opts out or deletes their account?
If a member opts out or deletes their My Home Value account, all communications and data are immediately discontinued.
Members can re-enroll anytime via your digital banking experience.
Why isn't my new home or address appearing when I search? How do new addresses get added and how often?
The My Home Value property database is refreshed daily through third-party data vendors. However, updates for individual properties may not appear immediately, as timing can vary depending on when local county records are updated and made available. As a result, changes such as recent transactions or new construction may take several weeks or longer to reflect in the system. Newly built homes may experience additional delays depending on when they are recorded by the county.
Support Contacts
For additional assistance, reach out to: