<prompt> Human: Our lender missed our first date when they changed loan personnel 3 days prior to close. They requested docs they allready had requested and then requested further information from the county, appraiser and city to address some zoning and sq footage concerns. We scrabbled like crazy and hit this resolved. No big deal. We rearranged a few things and set a new close date.2nd date comes. Our closing costs were paid and our documents were signed. All that was left was for the lender to do was to make the wire transfer to complete the deal. They claimed to have sent the money but nothing arrived prior to the close if business.My wife and I are now on the hook for 4 more days of lodging, storage of our household goods, and boarding our dogs in addition to other stuff.Do we have any legal recourse to pursue? Or are we just boned?  <response>: Something doesnt sound right here...your call should not just be to the lender but to the escrowtitle agent. Once you signed your loan docs, wired in your closing costs and down payment funds, you should have received a reconciled good faith estimate with exact sources and uses of funds, i.e, bank wires loan amount into title company, title company disburses cash to seller, minus any broker fees and other credits. What you describe doesnt sound right. If the lender claimed to have wired the money, there would be a Federal Funds Reference number. Is your lender a bank or a mortgage banker? If you locked your rate awhile back, your mortgage banker could be fucked when they try to sell it due to rates moving against them. You need to get on the phone with the title company first. Then the lender. If you are still not satisfied, then and only then lawyer-up. 