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How soon after a bankruptcy and a foreclosure can I get a mortgage?

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  Answers  |  4

June 10, 2014

Generally speaking, 4 years. If there were extenuating circumstances, then possibly only 2 years.

$commenter.renderDisplayableName() | 01.17.17 @ 15:16

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January 21, 2015

1 day really if you have enough of a down payment. Higher rates of course and more fees if you cant get qualified with FHA or Fannie/Freddie.

$commenter.renderDisplayableName() | 01.17.17 @ 15:16

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October 27, 2015

One year with perfect pay after the event, buy then hold for the conventional refinance with 15 - 20% down

$commenter.renderDisplayableName() | 01.17.17 @ 15:16

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November 06, 2015

It depends on the lender, or in my case, our investors. I've done it as soon as 2 years. We really like to see how you bounce back from it, not the actual bankruptcy itself, although it does play a part. Just focus on building as much good credit as you can and don't be late on anything after your bankruptcy, that's what will really mess with you.

$commenter.renderDisplayableName() | 01.17.17 @ 15:16

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