Like Tony said, 2 years from the discharge date for FHA, and even then it depends on the credit you were able to establish since then and the payment history. Typically lenders are looking to make sure you do not have any type of delinquent credit since the discharge of the bankruptcy.
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Senior Loan Officer
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Keep in mind that RealtyTrac's information may not always be accurate and oftentimes can be misleading--you could be looking at a lis pendens property--notice of default--or some other fees, some of those properties may not be for sale yet, and some may never be, if the default is satisfied by the owner. If you are interested in foreclosures, work with an agent--he/she will have access to reliable information--also don't overlook traditional sales as some may turn out to be a much better bargain than some of the foreclosure properties...... more
Katie, You can try foreclouser.com they provide a free trial period and it is $ 30.00 a month after that. I have used many different sites and this one seems to have a better base of information.. Suffolk county has a tax sale in the Fall the list of properties comes out aroud Sept. and the auction is in Oct.-Nov.
I know that the listing services for Long Island is indicating the status of properties listed. As an agent I have access to this information and could provide FREE account at email@example.com if you have any property in question or that you would like access to I would be happy to work with you.
If you have trouble opening an account contact me Nunzio.Zappola@elliman.com... more