Question: Trying to make a decision on my mortgage...HELP!!? After filing chapter 7 bankruptcy and having foreclosure on my home, is there any lending institution out there that can say without a doubt that I would be able to finance another home in the future?? If so, how long into the future?

Answer: Another option would be to reaffirm your current mortgage assuming you can afford to pay the monthly payments. \n\nIf not, then the other answers are good (you can get a loan at a higher interest rate and you will have to put down 10-20% or more).
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