CAIVRS CLEARANCEI defaulted on a HUD loan in 1996 during the last real estate bust and the loan was never paid. I want to buy a house now while prices are low. My credit score is around 720 now. HUD says you can apply again for an FHA loan 2 years after a default/foreclosure, but you can't be on the CAIVRS list. I can't get off the list unless I pay the loan - which I can't. Do I have to pass a CAIVRS check with Homepath?February 08 2011 - American River Parkway00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.