Is it possible to be considered for a mortgage before the 3 year waiting period after foreclosure?My husband and I included our house in our bankruptcy which was discharged in May of 2010. The bank did not take ownership of the property until the fall of 2012. The transfer out of our names took place January 2013. We are currently in a lease purchase situation and want to be able to purchase the property pursuant to our agreement. The landlord has already extended the option term for us, but now it is even later than we thought. We were originally told that we should be fine 2-3 years after the discharge date. We are afraid that he will put it on the market when our term is up if we arent able to get a loan. Do mortgage lenders ever consider the length of time it took the bank to do something with the property? Is it possible for us to get financing with a cosigner? We have a car loan and credit cards and have been on time 100% of the time. My credit score is 672.August 08 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.