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Borrower wants a copy of Appraisal

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I have a handout about the appraisal process that includes this question. I used it for a while and if anybody wants a copy, drop me an e-mail.

My answer to the question about giving a copy of the report to the borrower is to tell them that I give the bank 2 copies and under the Fair Credit Act, they are required to give them a copy of the report. As for me giving a copy, the report does not belong to be but my client the bank. It is theirs to do with what they will.

Interesting side note. I did a VA the other day on a house that had started to refi conventional. I asked questions about the property and the lady said, "Do you want a copy of the last appraisal that was just done? It might have some of the answers you need." Always happy to get my hands on one of the competitions reports, I answered yes. She then asked for my e-mail address and sent me a .pdf copy of the report that the lender had sent to her. Now we have the borrower into the e-mail game.

Wonder when the first lender will instruct me to send a copy to the borrower when I send them their copy?
 
The lender is required to have the borrower sign a form stating that they can receive a copy of the appraisal or any method of evaluation, if requested in writing within 90 days. I would getting a copy of this form and give the customer a copy with a short explanation as to the appraiser client relationship. Now, the problem may be that the lender did have the borrower sign the form, which is a violation of Truth in Lending or one of the other federal regulations.
 
The lender is required to have the borrower sign a form stating that they can receive a copy of the appraisal or any method of evaluation, if requested in writing within 90 days. I would getting a copy of this form and give the customer a copy with a short explanation as to the appraiser client relationship. Now, the problem may be that the lender did have the borrower sign the form, which is a violation of Truth in Lending or one of the other federal regulations.
 
The lender is required to have the borrower sign a form stating that they can receive a copy of the appraisal or any method of evaluation, if requested in writing within 90 days. I would getting a copy of this form and give the customer a copy with a short explanation as to the appraiser client relationship. Now, the problem may be that the lender did have the borrower sign the form, which is a violation of Truth in Lending or one of the other federal regulations.
 
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