The mortgage company owns the appraisal even though the borrower paid for it. This is because the mortgage company orders the appraisal on the borrower's behalf, and the Appraiser lists that mortgage company on the report. The borrower does have the right to receive a copy; however it's the mortgage company's discretion to give the borrower the original appraisal report.
We've been helping customers afford the home of their dreams for over 29 years and we love what we do.
Company NMLS: 237492
9042 Garfield Ave. #307
Phone: (714) 420-3712