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Foreclosed on Nov 2013, Deed not recorded until July 2016!!

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    Foreclosed on Nov 2013, Deed not recorded until July 2016!!

    Hello all,

    I filed ch 13 & surrendered a home in Sept 2011. With the help of the folks on this forum, I kept my sanity & successfully completed my 5 year plan on Nov 2016. I was able to refinance my home when my credit returned to the 700 range in Nov 2018. I was required to pay private mortgage insurance (PMI) for the life of the loan only because my foreclosure was not yet being aged 7 years. I incorrectly assumed it was 7 years from the foreclosure sale date but my mortgage lender told me it is 7 years from when the deed was recorded. As the title says, the home's foreclosed sale date was on Nov 2013, but Deed not recorded until July 2016. My lender told me deeds should have been recorded quickly, but this was over 2.5 years. Has anyone else experienced this? Can this be corrected or disputed?

    Thanks

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