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 love helping people with their home purchase and refinance needs. We look forward to answering all of your mortgage questions. Call us today at 207-899-5354, we are here for you.
Company NMLS: 926200
Blue Stripe Mortgage