I am trying to refinance my home. I contacted countrywide (my current lender) and they started the refinancing process, and ordered an appraisal. After a month's work and $500 paid for the appraisal to countrywide, I was denied for a home loan due to insufficent home value. After, I asked for a copy of the appraisal, which countrywide provided to me. I asked them if the rights to this document could be released to me, they told me at that time, they could not release it to me, but would transfer it to another lender. I found another lender, and when they asked countrywide to transfer the appraisal, countrywide told them they couldn't release the appraisal to them, only to me. (which is contrary to what they said previously) Finally I called countrywide and demanded a written release of the appraisal. they responded with a one sentence email stating they released a copy to me, and therefore released the rights to the document. Meantime, my second lender was trying to get two more comparables added to the appraisal by talking to the guy who drafted the appraisal. he only responded once, stating that he couldn't add anything to the appraisal because it was done for countrywide. after we had obtained the email stating countrywide's release of interest, no response was obtained from the appraiser after a week and two days of emails and voice messages. Finally I was forced to order another appraisal from another company, incurring the expense again. My question is what is the rule on appraisal transfer rights? and was what I was asking for i.e. two more comparables, a big deal? what rights do I have here? Is there someplace that I can log a complaint? any help would be great. thanks!