For mine it was instant. Initially they cleared mine and when I told the lender to run our reports again my wifes was still showing. I called the HUD HQ researcher right back and while on the phone with him he removed it. I called the lender right back and it was clear. It took all of 5 minutes with the phone calls. Do you have the number for your HUD researcher? They would have called you from an area code 202 number.
I have been reading all the info and I am in the same situation. I filled a Chaper 13 BK in 2010 and surrendered the property immediately. I was pre approved in mid April and went in contract on April 22nd. On May 2nd she said that I still had a claim on CAIVRS. She was floored and the loan processor said that she has only worked 1 case like this before. It looks like they waited till 6/2012 to file for foreclosure and after all that the house did not sale until 3/2015!!! My mortgage originator has compiled all the paperwork from my BK, discharge, schedule of creditors, etc. The morgage companies attorney said if I can get a copy of the court order approving the sale of the property, he will prepare a letter to FHA with all the backup paperwork arguing my case.
I have done the same. I emailed email@example.com on Friday and a lady named Cynthia called and left me a VM. I could barely understand her, but she said nothing could be done before 6/9/2016. I have tried to call her back and I emailed them yet again for help. I prepared my letter to my local congressman today and I am taking off work tomorrow to go to his office with everything. I am not supposed to close till 6/10 but we still need to order the appraisal, etc. I have already given notice to my landlord and paid over $1000 in up front costs on my new home. Hopefully I will have the same success that all of you have had. Is there any other advise you all would like to give me?
Also, I am confused a bit because when I look at all the history of the foreclosure, the plaintiff is Bank of America and the defendants are me, my ex husband AND Farmers National Bank. Why would another bank be on the case paperwork?
I sure hope it works out for you. Keep me posted and I will do the same for you as well... :-) This has been such a stressful situation to be in...
I am happy to say that my CAIVRS was cleared today. It took my congressman 2 business days to have it cleared after I submitted the waiver he requested and other documentation. I recommend following FHA's "produres" in combination with contacting your congressman. I didn't have to go to his office, all corespondence was through email.