I get a fair amount of calls asking who orders the appraisal.
Since 2009 the lender is required to order the appraisal. In 2009 the Home Valuation Code of Conduct was enacted by Freddie Mac and the Federal Housing Finance Agency(FHFA).
Effective May 1, 2009 Freddie Mac no longer purchased mortgages from Sellers that do not adopt the Code with respect to single family mortgages delivered to Freddie Mac.
The Lender Requirements