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Borrowers are entitled to receive copies of appraisal reports at least 3 business days before the closing of their loan.
Borrowers have the option to waive the 3 business-day waiting period for receiving appraisal reports.
If the loan is classified as a 'higher priced mortgage loan' under TILA, borrowers must receive appraisal reports at least 3 business days prior to closing.
By signing the form, borrowers acknowledge their rights regarding appraisal report delivery and their decision to waive the waiting period.
Regardless of whether they sign the waiver, borrowers will still receive a copy of the appraisal reports at or before closing.
