We had a contract, wife (a physician) had a job offer for a future date. Lender was sent the job offer contract early in the process. Wife was yet to obtain her license to practice. Lender knew this- as it's on the job offer letter. A few days before closing, Lender says it won't proceed, because wife doesn't have licence to practice yet, hence job, isn't guaranteed. They knew this at least a month before.
Well, we now wonder how we can get earnest money back. And how to find someone who could review our contract and see if there are ways we could get our money back?
The legal analysis would start with a review of the contract to purchase the home, and extend to the communications with the lender. If you complied with the contract concerning a financing contingency, you should consider preparing a letter to mail by certified mail, return receipt requested, to the seller to set out the facts and to request a termination of the contract and the return of your earnest money.
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