Latest news with #AVMs
Time of India
10 hours ago
- Health
- Time of India
Salman Khan reveals struggle with AVM and brain aneurysm on Kapil Sharma Show: Know what AVM is, its causes, and why it's so serious
Salman Khan reveals struggle with AVM and brain aneurysm on Kapil Sharma Show: Know what AVM is, its causes, and why it's so serious When Salman Khan appeared on Netflix's The Great Indian Kapil Show, viewers expected light-hearted banter, career anecdotes, and a touch of nostalgia. What they didn't expect was the Bollywood superstar revealing a list of serious and complex health conditions he quietly battles, while still headlining films and performing high-energy action scenes. At 59, Khan shared that he suffers from trigeminal neuralgia, a brain aneurysm, and arteriovenous malformation (AVM), among other injuries and ailments, including broken ribs. This candid disclosure came after months of speculation about his health, especially after a viral clip from early 2024 showed him looking unusually fatigued at a public event. On the show, Khan didn't shy away from listing his conditions. 'We're still working with trigeminal neuralgia, with an aneurysm in the brain, with AV malformation. We're walking, we're working despite all this,' he said. These aren't minor setbacks; they're medically complex issues, and AVM in particular can pose significant risks, especially when it involves the brain. So what exactly is AVM, how dangerous can it be, and why should the public care? Let's break down what arteriovenous malformation is, how it impacts the brain and body, and why this rare but dangerous condition is suddenly in the spotlight thanks to one of India's biggest stars. What is AVM (Arteriovenous Malformation)? An arteriovenous malformation (AVM) is a rare and abnormal tangle of blood vessels where arteries connect directly to veins without the normal intervening capillaries. According to the Mayo Clinic and the National Institute of Neurological Disorders and Stroke [NINDS], this disrupts the typical blood circulation and oxygen exchange in tissues, especially when the AVM occurs in the brain or spinal cord. In a healthy system, arteries carry oxygen-rich blood from the heart to body tissues, and veins return oxygen-depleted blood back to the lungs and heart. Capillaries serve as the critical link between the two, allowing oxygen and nutrients to be delivered. But in an AVM, according to the National Institute of Neurological Disorders, this middle step is missing. As a result, blood bypasses the tissues that need it, leading to oxygen starvation and, over time, damage or even death of nerve cells. How common is AVM and where does it occur? AVMs are rare and most often congenital, meaning people are born with them, though they may not present symptoms until much later in life. The condition is most commonly found in the brain and spinal cord, but AVMs can occur anywhere in the body. In many cases, AVMs go unnoticed. They're often discovered incidentally, during treatment for another issue or even at autopsy. However, when symptoms do occur, they can be sudden, severe, and potentially life-threatening. What are AVM key symptoms While some people with AVM remain symptom-free for years, others may experience a range of signs depending on the size and location of the malformation. According to the Mayo Clinic and the National Institute of Neurological Disorders and Stroke [NINDS], common symptoms include: Seizures (focal or generalised) Chronic or severe headaches (sometimes migraine-like) Vision problems (especially if the AVM is near the optic pathways) Muscle weakness or paralysis Numbness or abnormal sensations Difficulty speaking or understanding speech (aphasia) Memory issues, confusion, or even hallucinations Impaired coordination or walking Fainting or dizziness Cognitive decline or executive function difficulty In severe cases, especially when an AVM ruptures, it can cause intracranial haemorrhage, leading to stroke, long-term brain damage, or death (NINDS). Why AVMs are dangerous According to the National Institute of Neurological Disorders and Stroke, the biggest risk with AVMs is bleeding. Because the malformed vessels have abnormally thin and weak walls, they are prone to rupture under high pressure. Over time, repeated microbleeds can lead to cumulative brain damage and increase the risk of dementia. If a rupture is massive, the result can be a hemorrhagic stroke, which can cause instant, irreversible damage. This is why AVMs that have bled once are more likely to bleed again, particularly within the first year. Another concern is that large AVMs can compress nearby brain structures, leading to hydrocephalus (fluid buildup), increased intracranial pressure, or additional neurological complications. How AVMs are diagnosed AVMs are usually detected using imaging technologies such as: Cerebral angiography – the gold standard for visualising AVMs (Mayo Clinic) MRI and MRA (Magnetic Resonance Angiography) – useful for mapping brain tissues and blood flow CT scan – effective in spotting bleeding Transcranial Doppler Ultrasound – measures blood flow velocity, helpful for diagnosis (NINDS) In some cases, according to the National Institute of Neurological Disorders and Stroke, a distinct rhythmic "whooshing" sound known as a bruit caused by high-speed blood flow may alert clinicians to an AVM, especially when heard near the skull. AVM treatment options Treatment depends on several factors: the size and location of the AVM, whether it has bled before, and the patient's general health. According to the Mayo Clinic and the National Institute of Neurological Disorders and Stroke [NINDS], options include: Conventional surgery – surgical removal of the AVM Endovascular embolisation – a catheter-based technique to block blood flow to the AVM using glue-like substances or coils Radiosurgery – non-invasive treatment using focused radiation beams to shrink or close the AVM over time E ach of these comes with risks, particularly for AVMs located deep within the brain. The decision to operate or monitor is typically made on a case-by-case basis. What triggers AVM symptoms ? Interestingly, pregnancy and elevated blood pressure are two conditions that can increase AVM-related risks, including bleeding, as per the National Institute of Neurological Disorders and Stroke [NINDS]. Similarly, as in Khan's case, ageing can complicate how these vascular conditions interact. Public awareness: Why Salman Khan's disclosure on AVM matters? For millions of fans who idolise Salman Khan, his health revelation is a wake-up call. AVMs are often invisible until they're catastrophic. By speaking openly, Khan has brought attention to a condition that is poorly understood and rarely discussed. It also raises important questions about mental health, career pressure, and the culture of silent suffering, especially among public figures who are expected to always appear strong and invincible. Living with AVM: Can it be managed? Yes. With early diagnosis and appropriate care, many people with AVM can live relatively normal lives. However, if the malformation bleeds or causes seizures, the stakes become much higher. Regular monitoring and neurological evaluations are key. Some patients choose a watchful waiting approach, especially when the AVM is small and symptom-free. But for others, especially those with a history of bleeding, aggressive intervention is often recommended. 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Business Wire
05-06-2025
- Business
- Business Wire
Veros Publishes New Research Paper on Optimizing AVM Testing Methodologies
SANTA ANA, Calif.--(BUSINESS WIRE)-- Veros Real Estate Solutions (Veros®), a leading provider of collateral property valuation and risk management solutions, has released a groundbreaking new research paper which examines prevailing methodologies for testing the accuracy and performance of Automated Valuation Models (AVMs), a vital tool in the housing finance market. The paper, titled " Optimizing AVM Testing Methodologies," was thoroughly researched by Veros' Senior Research Economist, Reena Agrawal. It highlights key challenges and proposes an improved approach that aligns with real-world mortgage lending practices. "Some current AVM testing practices have inherent biases that can skew performance evaluations and misrepresent real-world accuracy." — David Rasmussen, EVP Operations at Veros Share As AVMs continue to play a critical role in property valuations for housing finance and risk assessment, the accuracy of AVM testing methodologies is increasingly under scrutiny. Veros' research paper provides an in-depth analysis of three testing approaches— purchase transactions testing, refinance/HELOC appraisal testing, and pre-MLS listing testing —assessing their strengths, limitations, and influences on reported AVM performance metrics such as P10 and hit rate. Key findings from the research paper include: Data Access & Timing Matter – A representative and accurate evaluation hinges on when the test is conducted and how much information the AVM can access. AVM Use Cases Matter – This paper emphasizes the critical importance of considering AVM use cases when evaluating AVM performance. A New Approach – This research aims to address some common and previously unchallenged opinions on AVM testing as it aims to significantly enhance the transparency and applicability of AVM testing results. "Some current AVM testing practices have inherent biases that can skew performance evaluations and misrepresent real-world accuracy," said David Rasmussen, EVP Operations at Veros. "The research by our Senior Research Economist underscores the need for a standardized, data-driven approach that aligns with how AVMs are actually used in lending decisions. By introducing a methodology that evaluates true AVM performance, we can ensure a more level playing field and improve the market's understanding and confidence in automated valuations." The research paper underscores the importance of continuous validation and the need for testing methodologies to evolve alongside advancements in technology and data availability within the property valuation spectrum. By challenging existing assumptions and proposing a more representative testing framework, this research contributes to a deeper understanding of AVM capabilities and their role in the housing finance market. Veros invites industry stakeholders, lenders, regulators, and AVM providers to review the research paper and join the discussion on refining AVM testing standards. The full research paper is available for download at: AVM Method Testing on VeroVALUE A mortgage technology innovator since 2001, Veros is a proven leader in enterprise risk management and collateral valuation services. The firm combines predictive technology, data analytics, and industry expertise to deliver advanced automated solutions that control risk and increase profits throughout the mortgage industry, from loan origination to servicing and securitization. Veros' services include automated valuation, fraud and risk detection, portfolio analysis, forecasting, and next-generation collateral risk management platforms. Veros is the primary architect and technology provider of the GSEs' Uniform Collateral Data Portal® (UCDP®). Veros also works closely with the FHA to support its Electronic Appraisal Delivery (EAD) portal. The company is also making the home-buying process more efficient for our nation's Veterans through its appraisal management work with the Department of Veterans Affairs. For more information, visit
Associated Press
12-03-2025
- Business
- Associated Press
Veros Launches ValuSTREAM: An Optimized Independent Third-Party Tested AVM Cascade
Veros Real Estate Solutions (Veros®), a leader in risk management and collateral valuation services, is pleased to share with the housing finance industry ValuSTREAM ™, an advanced automated valuation model (AVM) cascade solution. This new solution is now available through VeroSELECT ® and Valligent via Acuity and other direct integrations. ValuSTREAM ensures reliability and performance with independent, third-party AVM testing conducted quarterly for rigorous due diligence. This testing, Powered by CoreLogic® OptiVal®, leverages both purchase and non-purchase data to optimize AVM performance. With ValuSTREAM, lenders gain the peace of mind of a fully managed solution: they simply order the product and never worry about constantly making changes to their cascade presences, as it's set for them and regularly updated based on the OptiVal testing. OptiVal operates as an independent AVM testing unit within CoreLogic and is vendor agnostic, meaning it relies solely on real-world testing data to identify the best AVMs. This advanced cascade solution refines AVM selection at the county level, ensuring location-specific valuation precision and continuous updates that adapt to shifting market conditions. The results give mortgage lenders and real estate professionals the confidence to make informed decisions. 'Lenders need valuation solutions that provide transparency and performance they can trust. By continuously refining AVM selection at the county level and ensuring the highest standards of data integrity, we are delivering a solution that enhances underwriting efficiency and reduces valuation risks,' said Eric Fox, Chief Economist and Senior Vice President of Analytics at Veros. Veros' latest solution redefines how AVM cascades operate by offering tailored valuation strategies that align with specific business objectives. Whether prioritizing accuracy, maximizing market coverage, or achieving a balanced approach, ValuSTREAM provides a flexible framework that can fulfill varying needs. It also meets compliance standards, making it a trusted choice for financial institutions navigating regulatory requirements. 'As the industry-leading AVM cascade solution, CoreLogic's OptiVal is the ideal solution to support ValuSTREAM. Our unique data, analytics, and cascade management will provide an ideal offering for clients who need a proven, compliant offering to address their lending needs,' said Sage Nichols, SVP, Collateral and Risk Solutions at CoreLogic. ValuSTREAM sets a new benchmark in AVM-driven valuations, enabling mortgage lenders and investors to make faster, smarter business decisions. About Veros Real Estate Solutions (Veros®) A mortgage technology innovator since 2001, Veros is a proven leader in enterprise risk management and collateral valuation services. The firm combines predictive technology, data analytics, and industry expertise to deliver advanced automated solutions that control risk and increase profits throughout the mortgage industry, from loan origination to servicing and securitization. Veros' services include automated valuation, fraud and risk detection, portfolio analysis, forecasting, and next-generation collateral risk management platforms. Veros is the primary architect and technology provider of the GSEs' Uniform Collateral Data Portal® (UCDP®). Veros also works closely with the FHA to support its Electronic Appraisal Delivery (EAD) portal. The company is also making the home-buying process more efficient for our nation's Veterans through its appraisal management work with the Department of Veterans Affairs. For more information, visit (714) 415-6300 SOURCE: Veros Real Estate Solutions Copyright Business Wire 2025. PUB: 03/12/2025 05:30 AM/DISC: 03/12/2025 05:29 AM
CBS News
13-02-2025
- Business
- CBS News
Here's what to expect during the home equity loan underwriting process
If you need to borrow cash, taking out a home equity loan is one of the most affordable ways to do it. Rates on these loans and home equity lines of credit (HELOCs) tend to be much lower than other financing products, such as credit cards and personal loans, and they can save you significantly in the long run. Just be prepared: The borrowing process is a bit different from other lending products, mostly due to the prime role your home plays, so it's important to understand how that works before tapping into your home's equity. Compare today's home equity rates and find the right option for you. Here's what to expect during the home equity loan underwriting process Are you planning to tap your home equity for cash in the near future? Here's what to expect from the borrowing process. Your home will play a big role The biggest difference with home equity loans when compared to other types of borrowing products is that your house will play a critical role in the process. This is because it will serve as the collateral for the loan — and is what the lender can seize if you fail to make your payments. Your home (and its market value) will also influence what you can borrow with your loan. To determine this, most lenders will order an appraisal. The appraiser will assign the home a value based on its age, condition, features, and local home sales data, and that number — minus what you owe on your main mortgage loan — will tell lenders how much equity you have and, therefore, how much you have to borrow from. "One of the biggest struggles in the industry is that people come in having an idea of how much money they want but they have no idea how much equity they have in their home," says Dre Torres, a loan officer at Cornerstone First Mortgage. "It can make things difficult when they come in wanting more cash than they have available." Typically, an appraisal is an in-person evaluation of the home, but that's not always the case. Some lenders may take a more digital, data-based approach instead. These are sometimes referred to as "automated valuation models" or AVMs. "We use automated valuation models to estimate your home's value, and if the AVM's confidence score is strong, a full appraisal may not be necessary," says Scott Bridges, chief consumer direct lending production officer at Pennymac. "This saves you both time and money." In some cases, you may not need an appraisal at all. For example, if you only closed on your loan a year ago and you still have a very recent appraisal, you may be able to use that instead. Still, "90% to 95% of the time for home equity loans, you will need an appraisal," Torres says. Learn how affordable home equity borrowing could be now. Your finances will be scrutinized You can also expect your finances to be scrutinized pretty carefully, largely because home equity loans are riskier than traditional mortgages. They are an extra monthly payment in addition to your normal mortgage and bills, and as such, lenders want to ensure you can handle the additional financial pressure that puts on your household. One thing they'll look at is your credit score. And while the exact minimums you'll need to meet depend on the lender you choose, you can usually expect to need a 650 score or higher, Torres says. "Higher scores — 700 plus — will get more favorable financing options," Torres says. Lenders will also look at other financial factors, llke your other debts, your income and your credit history. Your debt-to-income ratio (DTI), or how much of your income your debt payments take up, will also play a role. You can calculate your DTI by totaling up your total minimum payments across all your debts — including the new home equity payment — and then dividing by your monthly income. Most lenders want a DTI of 43% or lower, though some may allow for higher DTIs under certain circumstances. Keep in mind, though: "A lower DTI will open the borrower up to more programs and better rates within those programs," says Kevin Leibowitz, a mortgage broker with Grayton Mortgage in Brooklyn. You'll want to come prepared Before you apply for a home equity loan, Bridges says, "It's important to assess your financial health." "First, determine how much you need to borrow and what monthly payment you'd be comfortable with," Bridges says. "Second, know your credit score and take steps to improve it if necessary. The better your credit score the more loan options are available to you." You can improve your credit score by reducing your debts, paying your bills on time and disputing any errors on your credit report. Not opening any new lines of credit in the months leading up to your application can also help. Beyond this prep, you can also gather up the documentation you'll need for the loan. As with your first mortgage, you'll need things like your pay stubs, bank statements, and W-2 forms. And "if the borrower's profile is more complex, then tax returns might be required," Leibowitz says. If you're on Social Security, you'll also need your award letter, or if you're receiving funds from a pension or IRA, you'll need recent statements from those accounts as well. The bottom line If you're considering a home equity loan, reach out to a lender to get more information on what qualifications you'll need to meet and what it may mean for your finances. They can also help you understand what terms and interest rate you might qualify for and how that fits into your budget. You should also compare several lenders before deciding what company to go with. Different lenders offer different programs, rates, fees, and terms, so shopping around can ensure you get the best loan for your needs.
