[Cecil Terwilliger]

Don't feel bad that the mortgage company didn't share the reports.

Usually the appraiser has to provide a letter of transmittal to share. There's some liability reasons for that. I'd imagine it's the same for the home inspector.

At the end of the day it probably isn't anything shady. The mortgage company probably gets discounted rates. Neither the home inspector nor the appraiser wants people to just get cheap priority appraisals/inspections by going thru their bank. They inspector/appraiser wants that business for themselves.

In my personal opinion though, I'd want my own inspection. That's for my peace of mind. If the mortgage company wants their own that's fine too though.