I had a bankruptcy discharge in april of 2012. My previous mortgage was included in the bankruptcy. The bank who had the mortgage waited until 2015 to foreclose on the house.  I have recently found out that my name will not be removed unti march of 2017, so that means another 8 months before I can use my VA loan for a house.  Is there any way around this?  Especially since the bank waited so long to do the foreclosure? Do I have any options here?


Thank you,




My short sale is on my credit report for 7 years, that's the standard.


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