We have a customer who, immediately after signing her loan docs, decided that the loan she had applied for and been approved for, was not the loan she wanted, so she rescinded. She still wants a loan though, secured by her home, and re-applied the very same day. I know that we (nor any third party) can charge her for the appraisal for the rescinded transaction, but if we re-use the appraisal on the NEW transaction (which I'm sure we will), can we charge her for it on that closing? [assuming she does indeed close on the new loan request]

If they are going to re-apply and you are going to use an appraisal that the borrower has yet to pay for, I do not think you would be prohibited from charging them for it on the second transaction.