Contracts

An Ohio purchase contract contains both a home inspection contingency and a financing contingency. The buyer waives the inspection but the loan is denied. The buyer is entitled to:

ANothing — waiving one contingency forfeits all rights
BReturn of earnest money under the financing contingency, which remains in effect✓ Correct
COnly half the earnest money because one contingency was waived
DProceed to closing despite the denial

Explanation

Each contingency is independent. Waiving the inspection contingency does not affect the financing contingency. If the loan is denied and the financing contingency is still in place, the buyer can cancel and recover earnest money.

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