When can we buy again after Ch 7 and deed-in-leiu?My husband and I filed for Chapter 7 bankruptcy in May 2010 and included our home. We were discharged in August 2010, and moved into a rental. The bank agreed to a deed-in-leiu and we signed the house over to them in September 2011, and it was recorded in October 2011. We would like to buy a home again and have saved enough for 20% down. I know that there is a 2 year waiting period after the bankruptcy FHA, but is it true that we will actually have to wait 3 years after the bank took our home back with a deed-in-leiu to be able to buy again? Our credit scores are both over 700 and we have a lot of cash to put down. Is there any way around this waiting period? Would anyone know of a portfilio Lender that does not adhere to the Over lays for a FHA loas, USDA will not work we make to much Money We are in orlando AreaDecember 03 2012 - Orlando00YesReport 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.