I would also suggest that you make an appointment to sit down with the agent and the Broker, and ask them to clearly explain to you what is GOING on - step by step. I think you should do this in person and not on the phone. Take notes if you aren't clear on what you are being told.
If you are still not satisfied with the answers you receive, and you think you are not being properly represented - then by all means call a real estate attorney for his legal opinion. This is too big of a purchase not to understand what is being done on your behalf.
You have every right to know exactly what is going on and WHY !
I think it is always a good idea to engage the services of a real estate attorney - after all, a contract is a legal document. I would demand that your agent provide a copy of the document that you signed as well as copies of revisions that may have been communicated to the seller.
Good luck to you,
Unwavering Commitment to Service
To answer your question, absolutely! You are to receive a copy of the signed contract no question about that and you and the seller should at minimal initial any changes made to the contract.
I would recommend you call the office of this agent and ask to speak with the "Broker in charge". Tell that person your concerns and get the correct information and copies of all your documents. Then you can determine how serious or how liable you are for things going on.
Good luck to you. And be very careful of any and all documents you sign. Even a good intention agent may not be current on the law. Protect yourself.
as fas as the loan situation, do you have the contact information for your mortgage rep? it may be best to speak with him/her directly rather than leaving to your agent to straighten things out. Re-applying to another bank may certainly take more than 2 weeks thougth.
I agree with my more direct colleagues who believe you should demand copies of everything you sign.
Depending on the state (and refer to the post by those REALTOR licensed in your state), some states make it MANDATORY for the REALTOR to give you copies of what you signed and usually they attach a time frame. 24 hours, 3 days etc. I am not licensed in your state so I can't speak specifically about what the real estate laws are there, but demand copies to your satisfaction.
As everyone else has already told you, you should definitely be able to get a copy of your contract, and anything else you sign if you ask for it, as well as a copy of the appraisal on the property. Why did the realtor say that they changed the contract many times? What have they changed? It seems like there is a lot going on here, and someone needs to answer all your questions.
If you need someone to look at your situation from a financing standpoint and to make sure everything looks correct, you can contact me even if you proceed with them. Or if the financing falls through I'll give you my honest opinion, free of charge.
You absolutely should receive a copy of every document you sign and nothing should be changed without your written consent and approval. You should meet with the agent's broker to address your concerns and complaints. Considering your overall concerns as to how this transaction is progressing, my suggestion is that you should get a real estate lawyer to protect your interests.
During escrow things are sometimes changed because of lender requirements, but not the basic offer/contract between buyer and the seller. You should get a copy of the final paperwork, called a HUD-1, before you sign for the close.
In Arizona, where I am licenced, you would get your earnest money back if you cannot obtain financing.