MukatA,
Thanks so much for all your help.
One final question please...
We are a small mortgage company. I've prepared all my 1099's for our appraisers, etc.
Most of the appraisers are individuals or LLC's. I have 3 that are incorporated. I should not file a 1099 misc for an INC. correct?

Thanks again.

Yes, 1099-misc is normally for individuals. However in some cases you will issue to corporation. You should refer to instruction to Form 1099-misc at Internal Revenue Service (http://www.irs.gov). Read page 1.

This is copied and pasted from the 1099 instructions:

Reportable payments to corporations. The following payments made to corporations generally must be reported on Form 1099-MISC.
• Medical and health care payments reported in box 6.
• Fish purchases for cash reported in box 7.
• Attorneys' fees reported in box 7.
• Gross proceeds paid to an attorney reported in box 14.
• Substitute payments in lieu of dividends or tax-exempt interest reported in box 8.
• Payments by a federal executive agency for services (vendors) reported in box 7.

http://www.irs.gov/pub/irs-pdf/i1099msc.pdf