It would be difficult to answer your question without more specific information.
Having said that, who is it that ou tink is not dong their job? It could be that a Loan Officer or Realtor did not do a good job of helping you understand the process of the time frames involved. It is possible that if in fact you are purchasing a Foreclosure home, the Bank's Asset Manager is not cooperating.
I would encourage you to speak with the lender and not let them go until you are fully satisfied with the answers you get. Remember, they are working for you- so you are entitled to a complete understanding of the situation.
Best of luck, call me if I can be of service to you!
There is no right answer to this question -- I'm sure you are looking for a black and white answer. I would recommend that you sit down with both your lender and agent in the same room if you can and discuss openly your issues. Let them know in a non-confrontational way what you are and were expecting, and how they are not living up to their expectations.
Keep in mind that your expectations and theirs are not necessarily the same. Be open to a frank discussion, and if your lender and agent are open minded, they will hear what you have to say and let you know where your expectations will work and where they won't. That way you can move forward to the common goal of a closing. If they cannot live up to your expectation fire them, and hire a new lender. Hiring a new selling agent may be more difficult if you have an accepted contract, but you can discuss this with their broker and possibly another agent in the office will be able to help you complete your closing to your satisfaction.
I wish you the best of luck, and a successful closing.
Tamara Stoebe, REALTOR, QSC, e-PRO
TROTH GMAC REALTORS
1801 W. Ave. K
Lancaster, CA 93534
Cell: (661) 466-6849
Fax: (661) 422-3006