It is good that you check with other realtors as to your rights. It would appear that you are encountering some doubts about the experience and/or advice of your current real estate agent.
Everything that Cindy Davis wrote, in addition to:
1. Check with your agent. - What is he/she advising you?
2. Check with a real estate attorney. - Your ultimate guide as to your legal rights in this particular case.
The seller is not obligated to sell or allow an appraiser in the house, even if you are still within your inspection period and have not release the loan or appraisal continengy.
A purchase agreement is supposed to have two willing and able parties. One that wants to sell, the other that wants to buy. If one, or the other does not uphold their end of the agreement, you may have the options to cancel or seek legal remedies. No judge will ever force a homeowner to sell their home, in the end, but other penalties may be forced on the seller. Seek legal advise.
Since, the owner seems reluctant to allow you your due diligence, you have some options.
1. Send the homeowner a Notice to Seller to perform.
2. Cancel the purchase agreement (if nothing else is stipulated in the standard CAR residential purchase agreement, to the contrary), and you are withing your inspection and/or loan/appraiser contingency periods.
3. Make sure that you are still within your rights to get your earnest deposti (down payment) back without any penalties.
Best of luck,
Tel. (310) 463-8088
Coldwell Banker Residendial
CA BRE# 01921046
First off, check your contract and escrow instructions. That will tell you everything. If the Seller is not complying with a mutually agreed upon contract, I would recommend contracting a real estate attorney to discuss your options.
All time lines are spelled out in your purchase agreement and escrow instructions. Everyone must comply or there are consequences.