be careful. since you already have had a binding contract with a price that all parties have agreed on, you can not ask for price change simply based on that you will change your way of financing. you will need something more legit than that. whether you can or can not get a loan is not the seller's issue and seller has no wrong doing here. if you want 砍点价, you will need to back off from current contract first. otherwise, you break the contract and for that you will face trouble. the contract law has no difference between regular sale and short sale. if this is a regular sale and you do this to the seller, you will be in trouble and your earnest money may be gone. so if you changed your mind on this property, use inspection to get out.