In Texas I have wondered years before why homeless people sat and lived practically outside the HUD offices? The answer is that so often, by Federal Decree, the staff at HUD had to go out on the street and give a home away! Yep, you bought, worked to pay, and then probably lost, your home. You dream. But there were (are?) ways to get a home free! That is one that has been foreclosed upon. That is; unless you play the game straight, and work hard, and are raising a family. Then you get to pay! Pay for all the shenanigans those that are in a fiduciary position should be held liable and answerable for themselves! But again, the system don't work that way!
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When you apply for a loan the bank or https://www.entrepreneur.com/article/223517 agencies will check your credit record and you will have to prove that you earn enough in a month to sustain the monthly payments. As this loan is secured against your home the lenders know that they cannot lose any money. For this reason they are always keen on lending money to home owners.
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The law requires that a bankruptcy will remain on your credit report for 8 to 10 years. However there are methods of rebuilding your credit after a bankruptcy which will make your ratings robust enough for you to get loans in the market. The best and fastest way to improve your credit after a bankruptcy is to opt for secured cards. Even a single secured credit card with a credit limit of $ 2000 or more will go a long way in strengthening your ratings. You should however make sure that your balance never goes beyond 30% of the credit limit. You should also be sure to pay off the balance every month. A secured card will not be able to get you any merit with the financial institutions but will eventually enable you to obtain an unsecured credit card.
Check out the common areas and the services and amenities that the public would use in the property. Do they give the best impression and are they functional to standards that will impress the shopper? Are the common areas 'user friendly' and attractive?
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