i have a discharged chapter 13 but they have not forclosed yeyt can i get a fha loan?

Not likely... The first things lenders do is look at your credit report. With a chapter 13 and someone about to foreclose, how do you think your credit report looks?

I do not know of a lender that would lend to you in this situation. If your plan is to let the home continue into foreclosure. You will need at least three years from the completion of the foreclosure, before you will qualify for an FHA mortgage.

Unfortunately, you mandatory waiting period for financing has not even begun.. the rules are interpreted differently from lender to lender, but in general, FHA says you must wait 3 years from the date of foreclosure. Most lenders interpret this as the day the property is taken out of your name.. for you, that hasn't happened yet.. Other lenders say if the home was included in the BK, they go by the BK discharge date, not the property transfer date. But again, your clock has not started yet.. FHA does have a new loan product that says if you suffered at least a 20% reduction in income, and you have had no late payments on any obligation in the past 12 months, you can purchase a new home... realistically, if the home is still in your name, and the lender has not set a foreclosure date, then you should hire a real estate agent and do a short sale.. you can at least get the property sold and out of your name without having to wait on your lender.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

You have to wait 36 months after the FHA pays off the lender, which may take some time after the foreclosure is completed at the auction.

Probably not. FHA requires 3 years after home title has transferred to the bank from a foreclosure. There may be an exception to this, but you really need to speak to an experience local lender. Good Luck!!!

Unfortunately, you mandatory waiting period for financing has not even begun.. the rules are interpreted differently from lender to lender, but in general, FHA says you must wait 3 years from the date of foreclosure. Most lenders interpret this as the day the property is taken out of your name.. for you, that hasn't happened yet.. Other lenders say if the home was included in the BK, they go by the BK discharge date, not the property transfer date. But again, your clock has not started yet.. FHA does have a new loan product that says if you suffered at least