What is the real date FHA uses for the marker of the 3 yr. waiting period after a foreclosure?Bought a home after Katrina then my job was lost due to the total failures in New Orleans. Tried to sell; had a short sell and the lender drug their heels causing the buyer to abandon. Worked with the lender to complete a foreclosure, relocated with a new job and am ready to buy a home again - I have been given three dates that "may" constitute the 3 yr. waiting period. 1. The date the foreclosure appeared on my credit report 2. The date the mortgage company filed for the sheriff sale; 3. The actual date of the sheriff sale - which was an appauling 120 days later! Which date is it and would my situation qualify for extenuating circumstances?March 08 2012 - New Orleans00YesReport 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.