I signed a contract of sale on a house. I applied for the loan within the 5 day time frame stated in the contract and I have all documentation to prove it. My loan was denied. I cannot get the seller to call me back and he has not returned my earnest monies. My secretary noticed that it only has the husband's name and signature. She said in the states of North & South Caroina, both spouses have to sign a contract of sale. It only takes one to buy, but both to sell. Is it the same in Florida?