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Hi there… I need help! We had a vacation property which had to let go into foreclosure. This was around 2 years ago. Now, I own a primary residence in another state whose value is around $1.1M and I have a mortgage on it of $279K with 4.75% fixed rate. I have a good income and never missed any mortgage payments. The foreclosure 2 years back did not affect my score. But I am still not able to [url=]refinance[/url] my primary home mortgage. What are my chances? Do I have to wait one more year before trying again?

johndzialo1's picture
johndzialo1 | Joined: August 21, 2012 02:18 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I agree with the posts above that one cannot refinance a home loan after a foreclosure. But if you wait for at least a period of three year then you may do so.

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