Hi Moore123... I'm happy to answer this for you.
1) If the person is applying for a loan through a mortgage company, YES, the mortgage company would order the appraiser. In actuality, the loan officer or processor that orders the appraisal doesn't even get to choose who the appraiser is...there is now a management company they have to go through. It helps, in my opinion, buyer and seller to know there is no shady business going on. Also, real estate agent being involved has nothing to do with that part...that is lender/buyer business.
2) From what I've been taught, the contract is between buyer and seller - however it is written and agreed. It does not have to be the official Residential agreement to buy and sale the property if a REALTOR is not hired to work the deal.
3) You will have to go through an attorney/notary in the end, so that the sale can be recorded. There are many out there..I'd be happy to recommend some that you could speak with and get their fees.
Of course, I do recommend including a licensed Real Estate Agent in this transaction - just so you make sure all the t's are crossed and i's are dotted...and so it's less stress on the two parties. Finding a house, negotiating price and conditions is only the beginning of a transaction...there is SO much more involved in the process and we do this every day. You can feel more confident that all your questions are answered and that everything is done on the up and up..nothing falls through the cracks. :)
If you have any questions, or need more specific answers - recommendations, I'm happy to help. Email me at Molly@mooreaboutyou.com
Thanks and have a wonderful day!
Tiger Town Realty