I made an offer on a house where the seller required notice of failure to obtain financing 10 days before closing. 2 weeks before closing they gave me a commitment letter and assured me that I was fully approved for the loan. Then 5 days before closing they suddenly notified me that I could not use any profits from my business to pay for the down payment. They also lied and claimed that I had told them I would be making the down payment from my 401K -- something I would never do because the IRS would charge me a 25% tax plus a 10% penalty. So I have lost out from buying a dream home plus with the tens of thousands of dollars of earnest money that I lost I can no longer afford to buy another house!