sorry it wouldnt give me enough room to post details... My husband and i filed bankruptcy 3 years ago. recently we have split. neither of us can afford the mortgage payments on our own and we stopped paying our mortgage at the begining of the year. In the bankruptcy even though the loans were discharged the deed was left in our names as we had every intention of trying to keep the house. So eventually the banks will need to go through the foreclosure process to remove our names from the deeds. I am hearing that this can take some time, and in the interim my husband is still living in our home and i am living with our children at my parents at no charge. this gives me a great opportunity to save money quickly. Obviously first step is divorce, which i think will go fairly quick since we have worked out most of everything in family court with the kids and have little assets to split up. My main question is... I know that once the foreclosure is complete it will appear on my credit report as a public record and it will be about 2-3 years before i can apply for a mortgage. If i am able to get a divorce and save enough money for a down payment BEFORE they complete the foreclosure process to i have a chance at a mortgage?