Does an appraiser have to report a desktop?

No. If the appraiser assigned the desktop physically visits the property and does an interior inspection, it has crossed over to a traditional appraisal and is no longer a desktop. In that case, the appraiser must report on the standard Form 1004. See Certification Two in the Form 1004 (Desktop).

Can I get a desktop appraisal?

According to Fannie Mae and Freddie Mac, a desktop appraisal is only for purchase transactions. This may include new construction purposes, though restrictions may apply. Whether you can get a desktop appraisal will depend on a few factors, including the lender you work with and the loan product you use.

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

A desktop appraisal has no inspection. A full appraisal has an exterior and interior inspection or an exterior-only inspection. For a desktop appraisal, the appraiser has to rely on third-party data, which can lead to inaccuracies in the report. Desktop appraisals are usually cheaper and faster than a full appraisal.