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08-01-2007, 03:13 PM
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It is almost a guarantee you will not get another mortgage. That will be on your credit report legally for another 7 years but if a lender realizes it that will be your doom even after that time period.A lot of loans now are not from your hometown bank. They are from third-party groups of investors with no empathy and a rigid set of rules they follow.
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08-01-2007, 06:20 PM
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It destroys your credit and should be avoided at all cost. Yes, it is only on your credit for 7 years, but every mortgage application has a question on it (have you ever had a foreclosure) that you will have to answer honestly for the rest of your life.
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