True Homes

My name is Tammy Richardson and I was trying to qualify for a home but the lender could not get my numbers where I could afford them and then my co-signer backed out because she knew I couldn't afford the $2,047.00 a month payments nor could I give them the 88,000.00 down. I mean who can do that? Also, the underwriter was having an issue because I didn't have a job in NC yet so they denied the loan and sent me a denial letter. But the manager of True Homes calls me and says to use a different lender . I told him my co-signer backed out. So, he proceeds to put on the paperwork that I refuse to close when he knew I couldn't qualify for the loan and kept my 5,000.00 deposit. I would like the deposit back please. I feel I was treated unfairly with all of this. If you can't qualify then there is nothing you can do I shouldn't be punished and keep my deposit.