My husband and i were under the understanding that we were stuck in our current home for the next 7-10 yrs due to our ch 7 bankruptcy. We saved our house and all of our possessions and only cancelled debts. We have been rebuilding credit, always in good standing with our mortgage company, have two credit...

Live in CA, Home included in Chapter 7.
Discharged April 2009
Bank didn't take title (foreclose) on home until July 2011 !!!

I have had lenders tell me:
1.) That the 3 year waiting period for FHA loans begins when and ONLY when the bank takes title back on the home....