OK. My last post was very negative. The point I was trying to make is that there is a misconception "out there" that in 2 years after a BK, all is going to be well. That's not true.I have not met any type of lender that isn't going to consider it when making their decision. I have credit cards - Providian and Discover. They charged me over 18% because of the BK. I have a used car loan at 14.95%. My wife and I consolidated our CC's thanks to a loan program through my wifes' employer and we had to do some real talking to get it.Other than the BK, my credit was excellent before and after. We have paid very aggressively on all our debts. We currently have only 2 months of our net income in debt other than our house. It has made little difference to the credit and lending industry.They see the BK and it has been insurmountable for us. We earn pretty good money (upper 5 figures) and have been very cautious. You will need to get your financing set before looking at a house. If you do get the financing, consider yourself lucky. I am sorry to give you this news. It's just my personal experience. Good luck to you!
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