I did a refi appraisal ordered by Jennifer at ABC Mtg. Now Jennifer wants to take it to Mortgage Inc. and needs the name changed. I explained to her the laws that prevent me from doing this and offered a new appraisal at a discounted fee, which she accepted. But here's what I'm wondering. Who is actually the client on the first order, Jennifer or ABC Mtg.? One more question, Jennifer wanted to order the appraisal with the effective date from one week ago, the same date as the first report, so that the property doesn't have to be reinspected. I told her that would be a retro-appraisal, and I couldn't do it on a 1004. Am a wrong to tell her that, could I have used the same effective date since it was only a week ago? Thank you for your help!