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.
"Helping customers afford the Home of their Dreams for almost two decades and we love what we do." - Keith Jacobson, President
Company NMLS: 163400 BRE # 01342072
5655 Lindero Canyon Road
Thousand Oaks, CA 91362-4030
Phone: (424) 325-6133