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I am 2 weeks out from settlement on a home. I applied for an FHA loan and the UW kicked it back for a CAVIRS report. I had a bankruptcy discharged in 11/2014 (property was included in bankruptcy) and surrendered the property to the lender in 12/2014. They got a decree of forclosure in 9/2015 and the Sheriff sale was not until 4/2017 due to the another party who was on the deed chose to fight the lender in court for 3 years. I have not heard from the FHA Center yet but when I called they explained that there was a claimed file and it is three years from the date the title transferred out of my name not when when the date of discharge from the bankruptcy. Is there any remedy to get a waiver or suppression or I am out the $5000 I have already invested in the property (down payment, appraisal, inspection). Any help or assistance would greatly be appreciated.