Desktop and hybrid appraisals: A digital revolution for lenders

In January 2022, Fannie Mae announced they will be accepting remote desktop appraisals for eligible loan transactions.

To qualify for a Desktop Appraisal, the property must:

  • Be the primary residence of the owner
  • Be classified as a one-unit property, which does not exclude properties with an accessory dwelling unit (ADU) or units existing within a planned unit development (PUD)
  • Have a loan-to-value (LTV) ratio less than or equal to 90%
  • Be classified as a purchase transaction, to include new construction


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