Desktop only appraisal?

[Kristine Eickman]

Our buyers private lender said they did not approve his loan due to a low appraisal. I knew nothing of this, it was never mentioned to me and buyer wants to back out and get escrow money back. However, I believe they must have only done a desktop appraisal because I was never informed an appraisal actually even happened. Can HML's use a desktop only appraisal and deny because of that? And would I, the buyer, be allowed to know that an appraisal had actually been done? Should'nt I be aware of something like that?