Appraisals

Q: Can you ever get a mortgage without an appraisal?
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Q: We had a house appraisal done on October 9th for a mortgage refinance; paid for it and received a copy, then we canceled the deal before closing. We have found another company to refinance with and want to use the same appraisal, but the appraisal company wants to charge us for a second appraisal, claiming that the law states they have to do another if we are going with another company. Is this true?”
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