Good Mrnoing Kevin,
The very first thing I would suggest is to sit down and talk to a lender. He can pull your credit and let you know what you need to take care of right now, & what will be counted when quilifying you for a loan. Some bills that can be paid off in 6 months are not counted. You can get a lot of information from them regarding the loan process and what it will take to get a new loan. Be aware that you might not be able to buy as much house as before but at least it will be a start. If you need a lender let mk know. I will be glad to help you start this process again. youner Mcleod cell 703-980-0031 - Wed May 6 2009, 07:45