the standard practice for this is SPA before Loan Agreement. but there are cases where LA was signed before SPA.

things you need to check now;

1)Check with your lawyer what are the items the seller failed to provide to complete this transaction. SPA? title? supporting docs? And what other alternatives the lawyer can practice to resolve this.

For the time being;

2)What is the availability period for the loan you applied? (Availability Period is the time frame the bank will reserve the money for claims and billing) It can range from 6 months (usually for completed units) and up to 36 months (for under construction units or projects).

3)check with your Mortgage Officer whether can they extend the period if there's a delay in transfer the property. update him/her with the current status.

4) Preparation for the worst; give a dateline to the lawyer how long do you want to pursue this. If there is still no action from the seller, make claim for your deposit (and any compensation u see deem fit). A normal house purchasing transaction will take you no more than 4 months, provided that there are no hiccups or delay among all involved parties. Dont DRAG this.

Hope the above helps.

u can drop me a call if you need any help with the matter.

good luck.