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I answered your other similar question, but since you are telling us you are not making the Chapter 13 payments on time, FHA probably will not work.There is the FHA Hope for Homeowners program, but that hasn't had any success yet - it seems the government is still trying to make it work.I am not sure on the rules for a 13, but perhaps you can go back to the trustee and try to get lower payments. You may want to discuss your options with the bankruptcy attorney that you filed your 13 with.
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