DDM
What has your agent told you?
Check your contingencies. It sounds like you are past your removal dates? People should know that they can have the loan contingency applied until the loan is funded so that there actually much less risk of this type of thing becoming and issue. Look at your RPA, hopefully you checked “the loan contingency shall remain in effect until the designated loans are funded.” In these times it seems imperative to do that. Maybe it makes the offer a little weaker but with lending all over the place it seems like You say take it or leave it. I would even consider writing an addendum,included withthe offer, that explains it further becasue the contract wording could be better. I am not picking on you just trying to warn others who might be reading.

If you cancel escrow you should try to get some or all of your money back but you really have to make that decision in accordance with the contract for the seller to be obligated . Are there any other grounds by which you can cancel? Usually those pass concurrently or before the loan contingency but if people have been sloppy there might be a way.

Are you interested in asking for an extension to get funded another way?

I had a person come to me once. Not a client of mine. They lost their earnest money deposit this way. It was clear the realtor and lender had abandoned them and failed to represent them with regards to the loan contingency. I wrote some letters which they signed and they got their money reimbursed from the supervising broker. Don’t know if that applies here?