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Among today’s mortgage crisis there seems to be much confusion about the length of time a foreclosure will negatively affect ones credit, and how long it will take before they are able to purchase a new home after foreclosure. The most negative affect a foreclosure has is the fact that it will remain on your credit report for about seven years. Even if a borrower requests from their lender to remove the foreclosure from their records, many times they will not be interested in doing so, and there is very little you can to make them. So therefore these borrowers will more than likely have to put up with having a foreclosure on their report for almost an entire decade. But the worst affects of foreclosure will be during the first couple years after this event has taken place.
The worst affects are during the first few years because as the years go by the foreclosure will have less of an impact on their credit scores. A foreclosure and all the missed mortgage payments will instantly drop your credit score anywhere from 200-300 points after the sale and eviction have taken place. But as the years go by homeowners can start repairing their credit score by trying to pay off all other debts and even arguing the past negative effects on their credit report. By doing this one’s credit will slowly begin rebuilding itself even with the foreclosure.
The time a homeowner will be eligible for a new mortgage will completely depend on their effort in trying to repair their credit. One can possibly apply for a new loan within about a couple years after the foreclosure has taken place, but only if they have showed good payment history since then. It is also important to save up quite a bit for a down payment to help make it easier to apply for a new home loan. So if you constantly focus on repairing your credit score you may be purchase a new home within a few years after foreclosure, while someone who does not focus on repairing their credit may have to wait about 4-5 years for their credit to gradually start repairing itself. If you are one of thousands who have had their homes recently foreclosed on remember the key to purchasing a new home will be focusing on rebuilding your credit scores as soon as possible.
To read more information on this article, visit LoanSafe.org
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.