Asked by Robert, 80909 • Tue Jan 8, 2013
Hello, we back in 2010 filed CH-7 BK and it was discharged in 2010. We did not re-affirm the house because of the current state of the economy in 2011 we started talks with our lender about HAFA (Homeowners Affordability Forclosure Alternitive) a Gov Approved option to get out of a mortgage. We did or started this the lender kept loosing paperwork and stalling the process took over a year to complete there are two paths short sale or deed in lieu. You first go with Short Sales we had no buyers, then we were qualified to do Deed in Lieu and this ended Feb 2012 with the house going back to the bank.I am trying to find out if there is ANYWAY to get a FHA loan at less 3 years from Short Sale. We would like to get a house under CHFA.
Arguments I have are that the lender stalled the paperwork, lost the paper work and other things. Second it is my understanding that if you file a BK and the house is including in the BK then the date of your resposability is the discharge date of the BK which
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