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Is a desktop appraisal better than a full appraisal?

While full appraisals are approved for all types of mortgage loans, including second homes and commercial properties, desktop appraisals are only available for single-family home purchase loans. However, desktop appraisals are often quicker for lenders and appraisers who want a more expedited process than a traditional appraisal.

What does “desktop” mean in an appraisal?

The adjective “desktop” indicates the appraiser is completing the appraisal assignment using the information that is available at the appraiser’s desk. The appraiser is responsible for researching the subject property’s relevant characteristics using public records or other readily available sources.

What is the difference between a hybrid appraisal and a desktop appraisal?

Instead, the appraiser relies on third party information such as MLS listings, property records and previous appraisals to determine the property’s value and uses a desktop appraisal form. In a hybrid appraisal, a third party data collector visits the property and completes a data collection.

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