I suspect that Brock is correct. No bank is going to go out on a limb with the chance that the collateral is going to be damaged. Follow the money.
The poster is quite right in that it is not wise to bend or attempt to bend the tabs of a fiberglass shingle in cold weather, especially with older shingles, many of which were made with really crappy asphalt with all the light oils cooked out of it.
It is my opinion that most "Whole House" Inspectors know just enough to get themselves, the seller, and the buyer in trouble. There are rare exceptions, but they are rare.
Tinner is quite correct in that we would need more info, but push will probably come to shove based on what the bank says.
" Most people would rather die than think, and most do " Bertrand Russell