My question involves real estate located in the State of: WA
We were to close on my house on May 31. We declined another offer to accept this offer. After all requested repairs were made following the inspection, the appraiser was to come and re-inspect. We were getting close to the 31st so I asked my agent to ask the buyers if I could rent back the house for a month while searching for my own place to live. I was told by my agent that that is not usually possible and to make arrangements to move since I would have to turn over the keys on the closing day. At this point, I had 8 days until closing. I sold all my furniture and other belongings,since I was planning on downsizing from a large 3 bedroom house to a one bedroom condo, and moved out on the 28th. The appraiser came for re-inspection on the 29th. I signed a contract extension since the lender said the appraiser was taking his time turning in the paperwork. My agent said that the lender assured her that the only thing holding up the loan was the appraiser's paperwork. Then a week later, I was asked to sign another extension as the buyers had changed their loan type from a VA to conventional. I signed the extension. Then the next day, my agent called to tell me that the buyer's loan was not approved because they had included child support as part of their income and it was not a consistent income. This was NEVER a concern. I was led to believe that the only thing holding up the process was the appraisal report. The buyers signed a rescission forfeiting the earnest money of $3000. My agent says "sorry". Other than the signed rescission forfeiting the earnest money, I have no documentation of the reason for rescission. For all I know, they changed their minds and is giving a bogus reason. When I requested to get a written document for the lender's loan denial, my agent just said she's not sure if she can because they forfeited their earnest money. Now, I sold EVERYTHING I own to downsize and already moved out on the advise of the agent. I am now under a lease for 1 year that I cannot get out of. My agent led me to believe, and says that she was led to believe, that the lender had "assured" her that the loan was good to go as soon as the appraiser turns in his paperwork. I think it strange that the buyers were so easy on forfeiting their earnest money, especially if it was the loan that was not approved. I have a suspicion that they probably found another place that they liked better and wanted to back out of the deal. What rights do I have?
At this point, I want to sue my agent for her incompetence and the buyers for screwing up my house sale and financial situation. I now have an empty house to show potential buyer (instead of a nicely furnished home), no furniture to furnish the home even if I do move back to the house, no other offer since i declined one to accept this one, and have to pay more mortgage until the house actually sells, and having another lease that I signed that I cannot get out of. Am I entitled to get a copy of the loan denial and the reason? Can I get the appraiser's report? What documents am I legally allowed to obtain? Should my agent pay out of her pocket to stage my house for further showing? Has anyone heard of such a situation???

