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.
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Company NMLS: 1663729
7940 Silverton Ave. Suite 101A
San Diego, California 92126
Phone: (619) 338-9801