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who does the appraiser contact for access to an unoccupied home, the loan officer or the realtor?

My loan officer at the bank that I have been dealing with for 25 years & whom I know has my best interests at heart, said that the appraiser had to have contacted the realtor. The realtor is giving me a hard time about it saying that it is up to the loan officer. But the loan officer  doesn't have access to the house..LONG STORY SHORT, I think I have caught the realtor in a few lies & I really need to know if I am being lied to. thank you !