I read the contract again and there was a clause we both initial that agreed to an arbitrator as binding.

In the paragraph numbered 1 of the Love Funding Engagement Letter of August 20,2015 was this statement: LFC will have the exclusive right to represent Borrower in its application to HUD in connection with this project for the purpose of obtaining Section 223(f) mortgage insurance for the Loan and all meetings and correspondence with HUD will be accomplished solely through LFC.In the paragraph numbered 6 of the same letter, was this statement:Any amounts not used will be refunded or credited to the Borrower at the Loan closing.In the paragraph numbered 11 of the said Engagement Letter were these sub-paragraphs:(ii) Each party agrees to the use of binding arbitration administered by the American ArbitrationAssociation to resolve any claim for damages related to or arising from this Letter Agreement, the Firm Commitment or documents executed in connection with closing the Loan (the "Loan Documents").Borrower and LFC each hereby waives its rights to a trial by jury and agrees not to file any complaintfor damages, engage in any legal action or proceeding in any court, or appeal the outcome of a finaland binding arbitration.

When we  we got to court the judge made us talk with the arbitrators until we came to a decision - then the judge simply enforced it.

I was in this situation with a seller once, and went through the Title company to help me arbitrate the matter and get a difference check from the seller.

If they do have the "big ones" to show up with these false claims you do not want to do a negotiated settlement with an arbitrator.

It also might say you agree to arbitration or mediation instead.We used Shapiro & Cedja, LLC (based in Oklahoma City) to do a foreclosure for us in Enid, OK and they did a good job.PM me and I'll send you their contact info.

A homeowner has been in foreclosure for a couple years and has filed motions against the mortgage holder, its counsel and mortgage advisors asserting that they did not have legal authority to schedule a sale, that they failed to obtain proper, legal valid assignment of mortgage and power of sale, that the foreclosing party is in violation of Federal money laundering and wire fraud statutes, that there were violations in Truth in Lending, that he filed for bankruptcy, that he had a binding arbitration underway, etc. etc.  

. - You can file a complaint against the licensed agent/brokerage with IDFPR:https://www.idfpr.com/Admin/Complaints.aspIf the agent/brokerage is a Realtor, you can file an ethics complaint here:https://www.nar.realtor/about-nar/governing-documents/code-of-ethics/key-ethics-and-arbitrations-formsIf the agent/brokerage is a member of the Illinois REALTORS association, you can file an ethics complaint here (including anonymously):https://www.illinoisrealtors.org/ethics/ethics-citation-program/There are several methods to file a complaint in general with the Cook County here (might not be too quick a response):https://www.cookcountyil.gov/service/filing-complaint-0There is a board which oversees the land bank.

If it's the CU's fault that you incurred those costs, then you might have a legal case, or you may have signed something that binds you into arbitration first. 

@William Webb - I would strongly recommend what @Chris Mason said - the CAR Residential Purchase Agreement has tons of built-in protections for buyers and sellers (particularly mediation & arbitration clauses).