For example, someone buys a home for $100K and used Fannie Mae Desktop Underwriter (DU), then a year later they refinance and the loan officer inputs $100K for the value into DU. 

These things aren’t set in stone...different appraisers can come up with different values, or they may use desktop underwriting, which might be off, too, 

You can always use QuickBooks Desktop version - Pro or Premier.

On the desktop version, you can just click on the search icon at top right of any page, then type a city and state and choose members from the drop down.

I have over 10 years experience with Helpdesk/Desktop/Call Center support.

HELOCs aren't put in place quickly, btw and some lenders use desktop underwriting, while others will do a full appraisal. 

The automatic cloud backup and compatibility on desktop and mobile is excellent.

You may want to consider a bookkeeper or a software once you scale up.Software -Stessa is freeQuickbooks - You can get a desktop version and pay about $200 which should last 3-5 years before you require an upgrade.However, using a software requires you to understand the software and put the time into doing your own books.Hiring a bookkeeper will save you this time.

On desktop it works great.

But on desktop you have an option to go to the sub forum where it shows at the related topics.