Hi - I'm having trouble refinancing my mortgage because of a charged-off second that has now been paid an the lien has been cancelled and released at the county about 3 months ago. The original charge off date was 2013, but we managed to pay it off in 2019. My home is worth $225k. I owe 99k on the first and have 50k in debt I'd like to pay off so refinance would be $150k plus closing costs. Our lowest score is 680 range (highest 720). Getting conflicting information from lenders. Tried to refinance last year but lender (Ditech) said because we were making payments on charged-off second that we didn't qualify (payments were less than the original mortgage agreed amount). So we paid off the loan and got it completely removed from our credit report and confirmed lien release. Now lender (Quicken) is saying we can't do FHA because it has to be paid off over 3 years ago. I sent them the letter with the charge-off date of 2013 so waiting now. How can a charged-off second mortgage with a lien release and clear title that isn't on my credit report be causing so many problems? Does the FHA keep records longer than the credit bureau? Thanks. Really would appreciate the help and get this mortgage refinanced.