Predators (and they are predators) know that you must discharge your weapon for reasons such as self-defense, but these individuals will shoot you for no good reason and do it when they know you're not ready.

Minimum of 2 years from Chapter 7 or 13 bankruptcy discharge Minimum of 3 years from Preforeclosure, short sale, deed in lieu, foreclosure from discharge date or release date.Down Payment Requirements The borrower is required to make a minimum down payment into the transaction of at least 3.5% of the lesser of the appraised value of the property or the sales price.

Is it discharged?

Not sure i'd spend all of my energy on this option either.I don't know a bankruptcy lawyer alive that would be dumb enough to think a bankruptcy discharge conveys free and clear title to the borrower.

Having said that, the language of the contract is fairly clear.Just my 1 1/2 cents.noun: lien; plural noun: liensa right to keep possession of property belonging to another person until a debt owed by that person is discharged.

I 'thought' it just meant the water was turned off, faucets open to drain lines and antifreeze in discharge lines. 

Hi @Bill Hughes: you can definetly discharge it without the involvement of the current owner.

Is the BK over with, discharged?  

Does anyone have any experience with the VA approving loans on the premise that you will move into one of the units upon 60 days of discharge for the future.  

There are things you can do to increase it....You need at least a 620 credit score for conventional.A few examples:pay off collections and judgements, with an agreement that they will remove from your credit scoremake payments on timepay down debtIf you have a foreclosure, you will not get conventional financing for 7 years.If you have a bankruptcy, you have to wait 3 years from discharge for conventional.