I have a discharge and all loans against this house have been discharged. Where do I stand in regards to the ownership of this home? I haven't heard anything from the bank and I'm still residing here. Is it my home now because of the bankruptcy chapter 7 being discharged?
You have a common misunderstanding of what a discharge is and does. It does NOT remove liens against your property. Unless you obtained a separate order avoiding the mortgage liens (which you cannot do in a Chapter 7 case), then all the discharge did was remove your obligation to pay on the underlying debt, but the lien against the property remains. Thus, if you fail to make the required payments on your mortgage, they can exercise whatever rights they have under your state's laws against the property (usually foreclosure).
My article on what happens to mortgage debts after discharge may be of interest to you.
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