You have not provided sufficient information to give absolute answers. Are you represented by an agent? Did you use a CAR contract? The most important question is what does the contract say? If you used a CAR purchase agreement, and stipulated in the contract that you would be obtaining a loan, and had a loan and appraisal contingency written in the contract, then you have a legally binding right to obtain financing and a right to have the lenders appraiser gain access to the property. There were a couple of false statements in the previous response. If a loan and appraisal were agreed to in the contract, then the seller does have an obligation to grant access to the appraiser. If he does not, he is demonstrating bad faith and is in breach of contract. He must make the property available to your appraiser as well as any and all inspections during your contingency periods. Secondly the prior agent has apparently never heard of specific performance. If the seller refuses to sell or breaches the contract making it impossible to perform, you as the buyer can file a lis pendens on the property and sue the seller for specific performance. It would require you to hire an attorney, but after the filing of the lis pendens tying up the property, you could request mediation assuming you included that in the purchase agreement. If mediation is unsuccessful, then the next step is arbitration. If the seller refuses to comply, the attorney would go ahead with a law suit, and the seller would be responsible for his and your attorney's fees. That is a routine procedure when the seller breaches the contract, and a judge forcing a seller to sell who had breached the contract has happened tens of thousands of times. If you are represented by an agent, you should be talking to your agent about this. If he is not knowledgeable, then talk to his broker, and get their legal department involved if necessary. If you want to play hard ball, you can advise you agent and broker that you will retain an attorney if they can not resolve the problem promptly, and they will be drawn into the law suit as a defendant. If you did not have an agent, and did not use a standard California Association of Realtors purchase agreement, and did not have a loan contingency and appraisal contingency, then you need to cancel, and get your deposit back.