Can I get a copy of an appraisal a lender ordered on my home?
Under the Equal Credit Opportunity Act, your lender must provide you with a copy of the appraisal report upon your written request. In the residential appraisal process, the homeowner should understand that the appraiser’s client is not the homeowner, but rather the lender or financial institution that hired the appraiser. The appraiser has no obligation to provide a copy of the appraisal to the homeowner – even though they may be directly or indirectly paying for the appraisal. The appraiser is bound to professional standards and a code of ethics, which does not allow the appraiser to release the appraisal to any other party other than the defined user (client) of the appraisal.