Where in NY are you buying? In the downstate area, we are a lawyer dominated area. The seller's lawyer writes the purchase contract and the buyer's lawyer reviews it before they allow you to sign. In the upstate area the realtors rule. If you used a realtor call them and they will handle the problem.
I hope you used a realtor, I would never purchase a house without one.
You should probably let this property go and get your act together. Number one hire a realtor. Number two hire a lawyer (someone has to order and read the title). Number three find a mortgage officer that knows what they are doing.