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Bankruptcy and Mortgage Options
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I know a couple folks who've managed to buy again within about two years post-bankruptcy, but it wasn't exactly smooth sailing. They went the FHA route since it tends to be more forgiving, but still had to jump through hoops—lots of documentation, explanations, and proof they'd rebuilt credit responsibly. Definitely doable, but patience and prep work are key. Also, expect slightly higher interest rates initially... refinancing later can help once your credit improves.
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