What is a code warning code 3 on a home loan after bankruptcy?

You may want to check with the bank for an explanation of what that means.

Banks have their own internal "warning" codes. Only the bank can answer what that code means. Once you know that, you can post a question based on that. However, if you listed the debt against your house in the 13, even though you kept making payments on your house, your debt to the bank secured by the house should have been discharged unless you signed a reaffirmation agreement specifically reaffirming the debt secured by the house, which I don't know any lawyer who would suggest that as to a debtor's residence. If you do a deed in lieu, there should be little effect to you as the debt was already discharged anyway. What that means is that you do not have any liability for the debt secured by the house at your personal level, but the house does continue to be security for the bank, which can proceed to foreclose, etc.

Who knows. Sounds like the bank's internal jargon for some bank policy. Remember bank policy and procedure is not law, and in fact may actually violate the law.

Sounds like a code 3 warning by the Bank is created by the Bank and therefore they should be asked. There is nothing in the bankruptcy law that requires the Bank use of the word code 3 warning.

Was the mortgage discharged? Did your plan call for surrendering the house? If not, the loan was probably not discharged. "Code 3" is not a bankruptcy or legal term, so it must have something to do with the lender's internal accounting.