But that is not your real question.
The real question is can I get financing?
And the answer to that question is yes.
The caveat is, did you ride the wave or did the wave ride over you?
If you rode the wave, you will be able to get financing, but not via the "too big to fails."
You have more options than you imagine. Check with your real estate agent.
Finally, if the wave rode over you, as others have stated, you will need to wait the appropriate time and keep your ratios in check.
We see this all the time. When you discharged your bankruptcy makes the difference though. Establishing new credit lines will make you eligible for a mortgage.
If you have no credit I have a contact with a non profit company that will assist you
Here's a lender that can really help
Joseph S. Cordova NMLS# 146855
Evesham Mortgage, LLC
22 South Maple Avenue
Marlton, NJ 08053
office: (856) 985-9944 ext. 103
direct fax: (206) 333-0946
cell: (856) 304-2381
Search foreclosures and short sale here: http://www.BuyNJShortSales.com
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