Lenders that deliver loans to Fannie Mae are responsible for reviewing appraisals to confirm that they meet policy guidelines. See below:

Full 1004 Appraisal: Must be ordered through an Appraisal Management Company or proper approved channel

Desktop 1004 Appraisal: Must be ordered through an Appraisal Management Company or proper approved channel

Value Acceptance + Property Data: Must be ordered through an Appraisal Management Company or proper approved channel

Value Acceptance (Appraisal Waiver/PIW): Appraisal not applicable