In the acceptance letter from Wells Fargo, Item # 3 pertains to a relationship between buyer and seller. As long as you are not a relative and don't have any other undisclosed terms, you have no worries, but you probably owe the Realtor that you were working with. The big lesson to take from this is you really aren't represented by anyone fully...that's not a good position to be in when making such a big purchase! Work with a pro, appreciate their work and make sure they get compensated...then rinse and repeat!
You are not without fault.
You tried to do this without your own agent; why?
At this point, maybe talking to the Agents' Broker would simplify things:
Understand that who get some commission and who doesn't, is really none-ya.
The fact that you did not sign the "DUAL" agreement is significant.
The fact that you already have a CONTRACT is significant.
No one can force you to AMMEND the Contract.
Good luck and may God bless
End of story for me, you are well aware of what should be done and how it is to be done. I do not believe your other agent did not care and so go ahead, or you are not telling us something. You made your bed, enjoy it.
That your "Realtor"has a copy of the approval letter is unimaginable---how could someone without any
ties to the transaction get a letter of approval from the sellers lender/title co. If I were the seller or sellers agent, I would have a problem with that. Why hasn't the sellers agent delivered the approval letter to you?
Interested to know how this pans out...and that your "Realtor" is trying to help you still is pretty good of him/her.