Sounds like the advice you are getting from YOUR agent is USELESS. It is foolish to order an appraisal before you have total approval from the bank. Furthermore, there are some who would consider this trespassing since your appraiser has no right to go into the property. On top of that..if you were to do an FHA appraisal..without the sellers consent..it can really open up a can of worms. The FHA appraisal will stay with the property for 6 months! Now who would get in trouble for that?
Lastly, as Jay (s) mentions and as Jay (H) applauds..it's amazing that people come to this forum to get these types of questions answered. You obviously lack confidence in your agent and are seeking advice here...soo your question get's answered by a professional and your agent still gets paid. Think about this...how many other areas of your contract do you think are getting ill advised...GUARANTEED you are losing money elsewhere than simply your $$ you are throwing away between 275 or 285k. What is the value YOUR agent is bringing? OR..if you are going it alone (unrepresented) are you saving the 2.5%-3% commission...NO WAY.
I hope yourself and others learn something here. It costs you nothing to use a well qualified professional Realtor..But it will cost you plenty if you don't!
Best of luck and Merry Christmas.
Erik J. Weisskopf, ABR,CDPE,CRS,GRI