In the 2009 selling guide, there is this tidbit: Electronically transmitted appraisal reports are acceptable provided lenders meet all required appraisal representations and warranties and the appraisal report • adequately identifies the appraiser • is created by the appraiser identified on the appraisal report • includes a reproduced signature of the appraiser whose name appears on the report, and • upon delivery to Fannie Mae, is the unaltered report submitted by the identified appraiser. I just wonder how many original reports don't get delivered to Fannie Mae, just the converted appraisals with you know who's insignia at the bottom. If you convert to AIready or use Hotspot or something else like that, you are converting the appraisal yourself and submitting the converted report yourself. I put in every report: "This appraisal is completed in Wintotal software. An example that this is an altered report and not the original report can be the lack of a Wintotal logo at the bottom of every page. The appraiser is not responsible for any report that has been altered after delivery."