Appraisal desk review form 2025

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63 votes

The document is a URAR Appraisal Desk Review Form designed to assist reviewers in evaluating the quality and accuracy of property appraisals for FNMA/FHLMC compliance. It includes a checklist of criteria related to subject property information, neighborhood analysis, site characteristics, improvements, cost approach, sales comparison, reconciliation, and required attachments. The reviewer assesses whether each item meets standards and provides comments on any deficiencies. The final section allows the reviewer to indicate if the appraisal is acceptable or requires additional information.

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Click ‘Get Form’ to open the appraisal desk review form in the editor.
Begin by filling in the lender, borrower/client, property address, and appraiser details. Ensure all information is accurate to facilitate a smooth review process.
In the 'SUBJECT' section, assess whether the subject property information is complete. Mark 'Yes' or 'No' and provide comments for any 'No' responses.
Proceed to the 'NEIGHBORHOOD' section. Evaluate land use, occupancy/vacancy rates, and neighborhood analysis. Document any discrepancies that may affect property value.
In the 'SITE' section, confirm if the site meets community standards and report on any nonconforming uses or illegal activities affecting value.
Complete the 'IMPROVEMENTS' section by ensuring descriptions match provided sketches and photographs. Note any physical deterioration.
Finally, review your entries in the 'REVIEWER'S REPORT'. Confirm that all necessary attachments are included before submitting your completed form.

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Versions	Form popularity	Fillable & printable
2011	4.9 Satisfied (58 Votes)
2003	4.9 Satisfied (48 Votes)
2002	4.7 Satisfied (63 Votes)
2001	4 Satisfied (35 Votes)

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What is a desk review for an appraisal?

Lender orders desktop appraisal. Lender and borrower always have the option to order a traditional appraisal (Form 1004) or execute an appraisal waiver if offered. Appraiser receives assignment for desktop appraisal reported on Form 1004 Desktop.

What is a 1025 appraisal form used for?

Desktop appraisals are much faster than traditional appraisals since they dont require an on-site inspection. An appraisal can take 1 3 weeks, but a desktop appraisal can be completed in just a few days. However, the exact timeline depends on various factors, including the available data quality.

How long does an appraisal desk review take?

The Appraisal Desk reviews appraisals as soon as they are received., and they usually review a file between the application origination and the final processing of the mortgage loan. Reviews can take up to 48 hours, however appraisals for specific loans like FHA or VA loans go directly to underwriting.

What is appraisal desk review?

Desk reviews take a little longer and dive deeper than form reviews. During a desk review, an appraiser spends a few hours verifying the technical methodology and compliance of the appraisal. The reviewer evaluates the reports: Property analysis.