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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%.
You own it until that day. If you stay after the foreclosure date, it will take the bank 30 days to evict you. Do not do this. If you have a foreclosure AND an eviction on your record, you won't be able to rent an apartment in the future.