Hello - About 2.5 years ago I went through a Chapter 7 Bankruptcy and my lawyer recommended that I do not reaffirm my mortgages. I was told that after 2 years I could get a new FHA loan to buy a new house. My home was included in the bankruptcy and it shows a $0 balance on my credit report. For the last 2.5 years I have stayed current on all my payments, but now that we are looking to move, I will probably walk away from the house as it has a lot of issues that I do not have the means to fix before being sold. We are looking to move and I started shopping around for mortgage loans since it has been over 2 years and I was told some different things by different companies. So I am a bit confused. I was told that the 2 year rule is true, except when the home is included in the bankruptcy, then it falls under the 3 year foreclosure rule, this is where it gets tricky and I have been told different things. One place told me that it is 3 years from the date the house was included in the bankruptcy (discharged), but another place said that my 3 years does not start till either the home is sold, reaffirmed or the trustee take possession? Is this true? It seems like you are punished for not walking away immediately and making payments.