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Youâre usually staring at a seven-year wait from the foreclosure date for conventional loans. Borrowers who can show the foreclosure resulted from circumstances truly beyond their control may be able to qualify after three years. But youâll also need to make a down payment of at least 10%.
The discharge of that was Jan 2010. We have waited 3 yrs, as required, and now are looking to buy a house. The bank we are working with is telling us that the deed in lieu of foreclosure has a discharge date of march 2011, and so we must wait for another year to buy.