When can I get a mortgage?

Hi tmielke! Welcome to forums! After a bankruptcy discharge, you need to wait for 3-4 years in order to qualify for a mortgage. However, as your property was foreclosed in 2011, you need to wait 3-4 years after the foreclosure in order to get a new mortgage to buy a property. It would have been better if you could have asked the lender to foreclose the property in 2009. Feel free to ask if you've further queries. Sussane

I did ask them to foreclose but they did not, then they sold the loan off to another lender. The foreclosure preseeding began in early 2009 then they sold the loan it it all started over. Is usda loans an option at this time??  

I have learned that the home to be purchased or served must be located in an eligible rural area as defined by USDA. Do you fulfil this criteria.

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