you could buy right away with owner financing. Alternatively, if your credit score is above 620 (you can get it there within a few mos. depending on what is on there) you can be in ballpark for FHA but property must appraise, your debt to income ratios need to work ,etc.
If you haven't already given the keys back, please let me know since I'm finishing up discharging 5 mortgages for lender fraud and can do the same for you.
Google "where's the note" and "Kansas Supreme Court- MERS" Banks don't "lend" money. They create credit from thin air and use your "wet ink" signature on the note to create the "money" to "lend" you.
The whole game is a fraud. People are finally wising up to this financial slavery and beating the banks and crooked judges and foreclosure attorneys at their own game.
Blasphemy? Not really once you understand how the con works. I'm in this game full time every day and we have many unconventional, highly effective tools that the government and lenders don't want the average person to know.
Do your research and you will see there are many other options to giving the crooked lenders the keys to your house.
Remember "possession is 9/10th's of the law"
