I'm refinancing my home and have signed the contract and closed, yet
my lender refuses to fund because (in 4 months they have taken prior
to signing) my wife has given birth to our baby. She is now on leave,
though verifiable documents show she can return to work and is
receiving significant diability, the lender refuses to fund 3 weeks
after signing contracts.

Does anybody have a good boilerplate Breach of Contract letter that I
can use? Also, does anyone know a good attorney who can discuss the
damages I can seek for the lender's breach?

I am in California. Also, I read the contract and the only provision I
can find for delaying funding is a review of the appraisal, which I
can document happened BEFORE the contract was signed.

I'm very grateful for any help offered.