I applied for a mortgage loan to purchase a home. I got an approval from the lender subject to proving a home that I put in a bankruptcy 4 years ago has been removed from my name. Currently it still shows in title I am the owner. My lender XXXX told me I had to have the old home out of my name to get an FHA loan regardless if I put it in my chapter XXXX. I called Bank of America direct. They are the lender that had my loan on the home in my chapter XXXX. They told me that there records show the chapter XXXX and that I do n't owe anything on the home but it is still in my name. I asked them why they have not started the foreclosure since its been 4 years. They had no answer. I asked them if I could just sign a deed over to them and give them the house back. They said no. I asked them how to remove the home from my name and they told me I would have to sell it or wait for the foreclosure to be completed. I had my lender search records to see if Bank of American has done anything in the last 4 years. Title records show that Bank of America has done nothing to start the foreclosure process. My new lender said they can not give me a mortgage to purchase my new home because HUD requires my name off the old home. Due to Bank of America doing nothing, I am unable to purchase a new home for me and my family. I have done everything right by getting new credit, paying my bills, good credit scores and saving money. Now my lender, HUD and Bank of America can not come up with a solution to help me. How long can Bank of America tie up my name and ability to buy? Is there a way for HUD to see the problem is not mine and allow my new purchase? 
