Appliances are always negotiable until they are an agreed upon item to be included in the sale. This is accomplished by making an offer to purchase them in the offer to purchase. The MLS Sheet does not obligate them to stay. No disclosure obligates them to stay. The offer to purchase and accepted offer by the seller is the only tool used to negotiate them or anything movable not attached by a screw, a nail or a planting of any sort.... more
This is some information I was able to pull regarding your request. As you can see it's up to you to prove the bankruptcy was beyond your control.
FHA applicants must be screened and lenders have to check the CAIVRS database. It's required by law.
If you show up on CAIVRS as delinquent on federal debt or if you have had a claim paid in the last three years on any HUD loan, you will not be granted FHA financing. You have to pay off that debt and bring your payments current under an approved repayment plan. Then you have to provide a written copy of the plan from the debt holder. Federal IRS tax liens may go unpaid if the IRS is willing to subordinate the tax lien to the FHA home loan.
There are a few exceptions to this rule:
Bankruptcy: If the property was included in a bankruptcy that was caused by circumstances beyond your control, you may be eligible (it's up to you to prove the circumstances of the bankruptcy).
I hope this helps.
Karen Paytas, GRI, CMS
Real Living Kee Realty