I swear to god i hate banks. This is not a pity party or looking for sympathy but this is bullshit. We had to file chapter 7 over 2 years ago because of the economy like most people. I lost a crap load of money at work but was lucky to keep my job and still have it to this day. I was never late on any bill and made all payments on time. Then it hit started to make late payments but kept my car payment and house payment up to date. So I filed for bankruptcy and included the house and car even though I was up to date because I knew it was going to get worse. 2 weeks after our bankruptcy was discharged we moved out of the house because I was brought up honest and I didn't feel right living in a place that I was not paying for. It took 10 months for the bank to transfer the house out of my name and that was only because I called them every week until it was done. Well a few years later now I am at the present time and trying to buy a house again. We have been renting but I want a place that is mine. I have the money for the down payment and closing cost. My credit score i high enough to qualify with no problem. I faxed the the lender all my papers on the bankruptcy because I wanted to make sure I could get the loan. They sent the papers to the underwriters and they said all I have to day is wait until 7/1/12 because that would be 2 years after the discharge that is FHA policy and their will be no problem. So now we have house that we put a bid on and am starting to fax all my papers they need in to make sure everything goes smoothly. Well after all this and doing all my do diligence I get a call apologizing to me that they made a mistake and that I will not be able to get the loan because the rules with FHA state also that if a house is included in a bankruptcy even if you are not in default and never missed a payment its considered a foreclosure and I have to wait 3 years after the bank transfers the house out of my name. So now I will not be able to get a house now until at least 9/13/13. I called HUD and explained to them my situation and they told me that it is up to the lender to possibly make an exception but in these times it is not likely but always worth a try. I already told my landlord that we are moving because this house is barely kept up and all improvements we did not the landlord. He is a typical landlord and all he wants is the cash and I get that its a business. What a crock of shit. I did everything within my power to be honest and what the hell does it get me. I would think its the banks job to know how to do their jobs and know the rules. So now unless we can find a new place to live my kids are going to be out of a safe area to live and a great school district. WTF If i did something like that at my work not only would I personally feel horrible but would also be fired. My day has gone from great to hell. All this prep and planning and packing for nothing. Sorry just wanted to vent. I am not even going to get into the bank bailout. This fucking sucks.
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