Hi Mike. Theoretically, the person who ordered the appraisal is the appraiser's client. While you are entitled to a copy if you paid for the appraisal, you are not the appraiser's client if your mortgage broker/agent ordered the appraisal. I would speak to your loan agent about finding another lender. It is definitely not commom for a lender to ask a buyer to pay for two separate appraisals and I agree with the others who suggested that a second appraisal will not make comparable properties magically appear. There are ways to make value adjustments for the lot size differences. That's part of what appraisers do and if the lender has an issue with what the appraiser did, they should have the appraiser make changes. If this appraiser can't make the changes they want, then another appraiser will most likely not be able to do anything different. Appraisers have to follow certain rules when they do their job and in my opinion, when the lenders require certain things to be done differently to fit their guidelines, they interfer with the appraisers job (i.e., to conduct an independent valuation) . Good luck to you you.