Afetr reading all the posts on this thread,I would have to say this was a mistake on the part of the lender and partly on the realtor with not being savvy enough to know this type of lending was not allowed. I live in a condo complex that doesn't approve of FHA loans so one buyer was rejected much to my dismay so I can see Tracy's point of view in that I would have been p***ed off if this happened to me.
As far the other post, No one or nothing in life is perfect. To demand that it is, sets someone up to be sick. We should never be naive but never be totally cynical. I think that looking at all the positives of living in TV would make one grateful to be able to enjoy a great lifestyles. Just like driving a car is a privledge, not a right to be taken lightly.
I personally can't wait to get to TV and avoid the snowfall due today. Where is a transporter when you need one.
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"It doesn't cost "nuttin", to be nice". 
MOM
I just want to do the right thing! Uncle Joe, (my hero).