Who does the appraiser work for?
This question comes up all too often. The client is clearly defined on the appraisal order, and that appraisal is the property of the client only, regardless of who pays for it.
On an appraisal for a mortgage or refinancing, the appraiser’s client is the lender, not the borrower or seller. Even though the borrower or seller may be responsible for the cost of the appraisal, the appraisal is the property of the lender and cannot, under most circumstances, be shared by the appraiser. The lending institution can decide whether to do so. This is typically how the appraisal is shared.
If for some reason you contact us for an appraisal, then obviously as the client, you are entitled to the report. Since it is not always clear who the client is, be sure to ask.