Hi everyone, from what I have read on here it is 2 years post BK7 to qualify for FHA home loan. Maybe something has changed or I read it wrong so could someone like Starting Over please clarify. My BK7 was discharged 9/14, mortgage with Wells Fargo not reaffirmed but never missed a payment. Sold home this month and was planning on buying a home this fall. However after talking to loan officer at Quicken I was told when mortgage is included in BK it is the same as foreclosure and that I would have to wait until 3 years from the time title transferred. Please tell me this guy is nuts…..