WOW what a mess for you and I am sorry this happened to you. Most Lenders look at mogrtage lates when you are qualified. Some go back 12 months others 24 months Please call eveyone, get an extension, and you will need to go ahead and close on your loan, since the lady already sold her home You can/will get this to go thru, for the other couple that you are buying their home to get their money. The lady that already sold her home, to buy your home, let her have your home, you have 30 days to move out of your home, so take that time, and #1 get another lender on board to close the deal. #2 call Lending Tree and let them know you are getting an attny, that you will be staying in a hotel, and that they are responsible for the motel room. (Don't think they will accept the hotel bill, but does not hurt to mention it). Everyone has a boss, go up higher up from the loan officer, to the Manager to the Supervisor, etc. If you go elsewhere, Talk with a broker, a broker underwrites for many company's (I underwrite for 150 companies) so I only have to pull credit 1 time, and they look at my credit. A single lender (not a broker) has programs available, but they may not be able to help you and your situation, so you go elsewhere, and than that person pulls your credit (see what I mean.) If you shop, your credit is pulled and that is considered a soft pull, for a 30 day period. Just like shopping for a auto, it is good for 30 days. If you apply for a credit card, that is considered a hard pull and it drags down your credit score. When looking for a home, please do not apply for a credit card, Department Charge Card, Gasoline Card or make any major purchases, like a auto, etc. This will pull your credit down. Try to find someone (broker) that will pull your credit one time, and submit your loan application to company's that will go off his credit report. By the way, a loan application is called a 1003, and they will issue you a GFE (Good Faith estimate, with-in 3 days, that is per the RESPA laws, and the TIL (Truth in Lending). The GFE will tell you the up-front closing cost associated with your loan. The TIL will tell you the terms, rate associated with your loan. This is a estimate only not the final but it does help you figure things out, as you have found out. I went to lending tree to find you a management phone number and there was no phone numbers listed on their site sorry.