A foreclosure used to be a major black mark on your credit record and meant you could not obtain financing to buy another house for seven years. There is hope that if you have suffered through a foreclosure your ability to qualify for another mortgage may not be as compromised as you think.

Today most buyers will only have to wait three years and depending on the reason you lost your house, the wait could be even shorter. Some potential buyers they may qualify for a mortgage as soon as 24 months after the fact if the foreclosure was the result of “extenuating circumstances”. Extenuating circumstances could be a serious illness or the death of a wage earner. Things that are not considered life-changing events are divorce, a business failure or too much debt.

Waiting the required time period after extenuating circumstances won’t automatically qualify you for a new loan you also have to demonstrate that you can handle credit and afford the payments.

Homemade soft scrub cleaner is one of the quickest and easiest cleaners to make. It is so easy you won’t be spending lots of money of expensive store bought cleaners anymore.

Here is an easy recipe for scrubbing cleaner:

Ingredients:

3/4 cup baking soda
1/4 cup borax
dishwashing liquid

1. Combine the baking soda and borax.

2. Mix in enough dishwashing liquid to make a smooth paste.

3. If you prefer a pleasant smell, add 1/4 teaspoon lemon juice to the paste or a few drops of essential oil.

 

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