I am repeating what everyone else is saying, but you do need the signed addendums to proceed to closing.. Unfortunately, the paperwork could be sitting on someone desk. Ratified contract means that "all" signatures and initials have been completed. You should contact the listing agent and find out where the documents are (if this was a listed property). If not, contact the asset manager or supervisor. Foreclosures usually move along pretty fast. I don't know what type of loan, but if it is FHA, check also to make sure that the condo development is FHA approved.