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: 108686
All Tech Mortgage Inc. NMLS ID: 108686
7403 Lakewood Dr W, STE 4
Lakewood, Washington 98499
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