Historically, it's been up to the bank to decide if homeowners get to see an actual copy of their home's appraisal. Yes, you paid for it, but technically, it's owned by the company who ordered it -- typically the lender. They have full discretion about whether or not you get to see it. Irritating much? But if the lender is Fannie or Freddie and you're working with an AMC, lenders are required to provide you with a copy before closing.