Buying after foreclosure

[juice13610]

Well, I just typed out a big long post and then hit enter and was told I needed to fill out some more info in my profile and it didn't post - not a very good setup/design

ANYWAY, a mortgage guy recently told me I can't buy until 2013, which makes no sense to me - I'm hoping you guys can help me out.

I filed chapter 13 in October 2007. I was discharged in November 2010. I let my house go thanks to a renter/family member that screwed me over. I don't believe anyone bought the hosue from US Bank until sometime mid-2010. Here's how my credit report reads.

US BANK HOME MORTGAGE
Opened - 05/07
Last active - 11/07
Reported - 11/07
Payment - Bankruptcy
Foreclosure proceedings started; Closed 11/07

Here's the second one related to US Bank

US BK HM MTG
Opened - 05/07
Last active - 09/08
Reported - 09/09
Payment - bankrupcty
Foreclosure proceedings started; Chap 13 bankruptcy; Chapter 13 Wage Earner Plan account; closed 11/07


So in other words, what do these numbers mean? He acted like FHA has told them no on lending to us. Does "closed 11/07" mean thats the day that the 3 years should start counting from? I'm just clueless.

[tobee43]

i have heard different stories. but the fha guidelines are supposed to be three years AFTER your foreclosure. that means the actual date of the foreclosure itself, not the starting date of the foreclosure porceedings.

do you know which date the house foreclosed and your names were taken off the deed..and there was a tranfer of the title???