This exact same question has been asked many times in the past few weeks - do a general search in Trulia for all local area cities and you will see many, many answers to this question.
Bottom line, builders cannot sell you a home you can no longer finance, and most are willing to give you back your deposit in this circumstance. Key word: most.
Steven A. Ornellas, GRI, ABR, e-PRO, CMPS, RE Masters, MBA
REALTORÂ® / Mortgage Banker-Broker / Certified Mortgage Planning Specialist
Steven Anthony Real Estate & Financial Services
Expect Excellence. Get What You Expect.â„¢
Usually once you have signed all contingency removal; itâ€™s hard to get your deposit back.
In the market condition today, where one of you may lo longer have the same job; you can certainly try by giving your job layoff letter. Lenderâ€™s letter is good to give that states that you are no longer qualified for the loan. In my opinion the real proof is a letter from your HR Dept. When you signed up for the home and paid a deposit, did they ask to be approved by their lender even though you may take a loan from any source? If thatâ€™s the case, then it works in your favor. You can submit the letter from your job and have the builderâ€™s lender give you a certification of non-approval.
If your deposit is high enough to pay an attorneyâ€™s cost, may be its worth to hire an attorney to help you get your money back.
Hope you can get your deposit back and good luck for the next job.