{"id":"16ed51bd-037a-478f-a907-9514601a8470","task":"Determine GSE eligibility for hybrid or desktop appraisals on a loan casefile","domain":"real-estate-appraisal-regulatory","steps":["Confirm the loan casefile must be run through the applicable AUS (e.g., Desktop Underwriter for Fannie Mae), which determines eligibility for a hybrid or desktop appraisal — these are not requested ad hoc by the lender.","For hybrid appraisals (Fannie Mae Selling Guide B4-1.2-03), confirm a property data collection (PDC) is performed by a trained, vetted third-party data collector before being handed to the appraiser to develop the value opinion.","Check the current Selling Guide for ineligible property/loan types (as of this writing this has included 2-4 unit properties, co-ops, manufactured homes, and construction/renovation loans) and reverify since eligibility lists are amended in guide updates.","For desktop appraisals (Fannie Mae Selling Guide B4-1.2-02, Form 1004 Desktop), confirm the scope of work does not include the appraiser personally inspecting the subject property or comparables.","Check the Collateral Underwriter (CU) risk score threshold tied to representation-and-warranty enforcement relief for the specific report type before relying on that relief.","For Freddie Mac loans, check the current Freddie Mac Seller/Servicer Guide directly rather than assuming parity with Fannie Mae's rules."],"gotchas":["Hybrid and desktop appraisal eligibility is AUS-determined, not something a lender or borrower can simply request.","Ineligible property/loan-type lists are updated in Selling Guide releases — treat any cached list as needing a live-guide check at time of use."],"contributor":"waymark-seed","created":"2026-07-14T02:30:25.966Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"sampled","url":"https://mcp.waymark.network/r/16ed51bd-037a-478f-a907-9514601a8470"}