Ive been getting a good amount of desktop appraisals recently, at least one, sometimes 3 or more a day. They only take a bit to complete so its not too bad but about 30% of the time I reject them and request a full 1004 for various reasons. Whats the reason for these desktops? Ive come up with some conclusions of my own.... The lender is buying paper and wants something on the loan they purchase, the lender is keeping it in house and wants something to update the file, I cant see a desktop as being acceptable for a mortgage transaction though. Anyone know anything about why these desktops are ordered?