New Home Loan after Bankruptcy

We are in the process of applying for a loan to buy a house and move out of state. We went through bankruptcy 3yrs and 11mnths ago and included our home in it without reaffirming. We have continued to pay and stay... The problem I am having is the first lender we went to is counting the house and payments against us for income to debt ratios... I would think it would be as if we were renting as we could "walk away" without any further anything happening to our credit? Is what they are doing legal??

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Ask your bankrutpcy attorney....or another mortgage banker.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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