<prompt> Human: First some context. My dad and I have been trying to buy a house for few months. We are buying it under my name and I was prequalified for decent sized loan. We found a house we liked and put in an offer that was in line with my loan prequal and it was accepted. Shortly after we handed over a 2000 check in earnest money. Around that same time I ended up buying a motorcycle. Both our real estate agent and the loan officer knew I made this purchase and said nothing. In retrospect, I probably shouldve asked how that would affect my buying power but they didnt seem too worried about it so I let it go. After that, our loan officer would regularly text me to ask for paperwork that was requested by the underwriter. I would sometimes take a few days or even a week to get him the documents he requested. This went on for about 2-3 months. This brings us to a few days ago when our loan officer told us that I no longer qualify for a loan big enough to purchase the house because the motorcycle was now on my credit report. They said if I wanted to buy the house I would need to make up the difference in cash at closing. We dont have that kind of cash laying around so we had to decline. They then said that the bank will not be giving back our 2,000 earnest money because I took too long to provide the documents that the underwriter requested. This sounds fishy to me because Im not backing out of the deal because I changed my mind or got cold feet. The reason we are not buying the house is because I no longer qualify for a good enough loan. So can the bank keep our earnest money solely on the premise that I took too long to furnish documents to them? I live in Illinois if that helps. Thanks in advance for all the help.  <response>: Under what circumstances the earnest money will be returned to you is outlined in your purchase agreement. Odds are you wont get it back. 