Well, the one thing you stated below caught my attention. You said: " We signed an extension for January 10 and switched lenders who have approved the loan ( so the realtor said)" .....what do you mean: "so the realtor said"?? It's YOUR loan - the lender should be getting back to YOU, NOT the agent. You should be told exactly what is going on and whether this is all a waste of time. I have no idea what is going on with your deal. And, to have the agent send an email, at this late date, blaming your low credit for the problems seems absurd. Clearly your qualifications for obtaining a mortgage were weak from the start due to your credit issues.....that shouldn't be a surprise to anyone (btw - who recommended the lenders?)......the people around you don't seem to be on top of things or very professional (in my opinion).....and the sellers are stuck (yes, I know you are, too) with a house they thought was sold, and apparently may not be sold. Also - asking your son to sign for the loan puts him in a position to have his credit negatively impacted, too. Certainly, it may prevent him from getting loans of his own in the future. Unfortunately, no one here can really help you. Your situation is unusual, and complicated due to all the twists and turns with the loans. The only advice I'd give is....insist on finding out what the exact status of your loan is. If you can't get straight answers, or you are told you need more "extensions", I 'd advise you to start looking for a new rental. Best wishes.