Your downpayment is anything BUT a joke to Realtors. But Realtors are not the ones who make a decision as to whether or not you can obtain a loan.
Lenders want to look at a history of you paying your credit debts. But if you have never used any credit, then they don't have any history to use.
You might approach a smaller local bank, who keeps their own loans and likes to put its money to use within the community. They like to have a certain percentage of "portfolio" loans, and if you've paid all your bills on time for the past 45 years, they might give you a thumb's up.
It sounds like the Realtor didn't do anything wrong. Everything was disclosed to you and ultimately you made the decision to accept the contingent offer. The agent did a fine job. You may have some personal issues with your agent earning her commissions. So you want to sell your house for over asking price, buy your new house contingent on the sale of your property and get everything that you want!!?? AND... you want to possibly ruin the reputation of your agent that is helping you accomplish all of this?? I feel for your agent...... more