Mortgage Company denies loan 3 days before closing after being approved for months

[freezalord]

Okay so I worked for my self and filed a tax extension in 2016 (my dad loaned me his carpet cleaning equipment to start my own business and I worked for him before that)
In 2017 we merged my company and his back and I started working for him again
So I was preaprroved for a mortgage loan
They knew about my work and 2016 taxes and told me multiple times the underwriter approved of it based on all the millions of papers and proof we sent her
So they knew about this info since march and 3 days before closing they call me and say nevermind because of my 2016 taxes and work
After telling me it was fine for months and making me pay for an appraisal and inspection and waiting long enough for my earnest check to be lost
This happened last week
So after months of lying to me and taking my money the short notice they gave of my denial has now made me lose my apartment with no where to go at the end of the month and causes financial and mental stress on my girlfriend and I with our newborn baby
What can I do they scammed me of my money

 

[FlyingRon]

"Pre" approval means squat.
I'm not seeing anything actionable here.

 

[adjusterjack]

I don't see anything actionable either.

Though it wouldn't hurt to get a free consult with an attorney just in case.

 

[HRZ]

Pre approval has the strength of wet toilet paper...and even many so called approvals contain broad right of lender to pull the plug ....

OFten if the lender pulls the plug the deposit is returnable ...and that because the seller in accepting the "pre" committment , if that is what they did, takes it subject to lenders right to pull the plug ....

I don't see a scam n there ...you may have some options to recover your deposit if there was a finance contingency and the lender balked thru no fault of your own

 

[Ohiogal]

Pre approval has the strength of wet toilet paper...and even many so called approvals contain broad right of lender to pull the plug ....

OFten if the lender pulls the plug the deposit is returnable ...and that because the seller in accepting the "pre" committment , if that is what they did, takes it subject to lenders right to pull the plug ....

I don't see a scam n there ...you may have some options to recover your deposit if there was a finance contingency and the lender balked thru no fault of your own

You can't state this. What if they were to close in 30 days and it has been 35? The deposit is lost. That is fact -- unless the sellers agree otherwise.