She completed the plan, but they never filed to actually discharge my note.

If a BK is discharged and property is included then borrower won't have personal liabilities associated with the debt.

GENERAL RELEASE KNOW ALL MEN BY THESE PRESENTS: That I/we hereinafter called _____________ for and in consideration of the sum of One and 00/100 ($1.00) Dollars, or other valuable considerations, received from or on behalf of , _______________ hereinafter called _____________ , the receipt whereof is hereby acknowledged.HEREBY remise, release, acquit, satisfy, and forever discharge the saidAssignor, of and from all, and all manner of action and actions, cause and causes of action, suits, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, damages, judgments, executions, claims and demands whatsoever, in law or in equity, which said ___________________ ever had, now has, or which any personal representative, successor, heir or assign of said , ______________________ hereinafter can, shall or may have, against said Assignor , for, upon or by reason of any matter, cause or thing whatsoever, from the beginning of the world to the date of these presents, and in particularly in regard to any lease, option, or contract regarding the real property located at: ______________________.IN WITNESS WHEREOF, I/we have hereunto set my/our hand(s) and seal(s) this day of _____________, A.D., 2019.Signed, sealed and delivered in presence of:______________________ ______________________State of __________________________County of_______________________________

This was originally a second mortgage before the first mortgage was discharged.

I see that a bankruptcy must be discharged for 1-2 years in order to be eligible.

I found out the hard way that if you are literally within 100 miles of a property you already own, then FHA will NOT give you a loan.Here's what you can do.Wait until you get to your next duty station and then use the fha loan  orGet a loan through Navy Federal Credit Union (You do not have to be in the Navy, you simply need to be on active duty in any branch of the military or honorably discharged)....yes they will let you go zero down with no PMI and you can use it while you have a VA loan in place.

Yes, you can but there are some other things that can affect your eligibility like type of discharge.  

@Gabriel JerohSaying "in Chapter 13" isn't saying if the bankruptcy has been discharged or not.At the time of filing until the discharge, the Bankruptcy Code provides an automatic stay that prohibits creditors from obtaining any money or property.

Discharged at age 20 and started reading about real estate.

Nothing to do with BK directly but can be affected by BK - as a discharged debt can not have a deficiency sought.