I feel you my friend. I have heard many a story with builder's lenders doing anything to "get the deal done". And I'm not surprised they are affiliated with Countrywide. I know of many people that went with KB's Countrywide and had similar things happen, in fact they almost got my brother to go with a No Doc loan because his job couldn't even support a stated income as high as they wanted to make it. Luckily he called me before he signed anything.
I know Beazer homes was under investigation (and still may be) as a much larger than normal percentage of their homes were going into foreclosure.
On your previous loan application when the loan officer stated your income at 5800, did you put your signature on this application? If so it may be much harder to claim a fraudulent loan, as you may be found responsible for stating the false amount. Another thing going against you is the builder may have a clause in their contract that states you should have gotten your loan commitment 30 days after deposit....in which case after those 30 days you are in default of the contract and they won't give your $ back.
Your best plan of action is to CONSULT A REAL ESTATE ATTORNEY. If the builder doesn't offer you your money back after explaining your loan situation (which they most likely will NOT) get an attorney.... more