LTS.
The OP stated “they all declared bankruptcy and foreclosed on their homes during the bubble aftermath”
My mistake for assuming that was within the last 6 years.
For a new loan:
Conventional guidelines are currently 7 years after foreclosure AND a decent credit score.
FHA is 3 years with a possible exception.
VA is generally 2 yrs.
There certainly may be other programs available,
It’s just not the norm to have this happen and I’m not sure what ‘stuff’ you think I’m making up.
Your insight is apparently better than mine.
