Can a person with a 680 credit score after foreclosure get a new mortgage withthe help of a cosigner or co borrower? Also the foreclosure was a little over 1 year ago. THanks for any answer!

You'll have to wait a minimum of 3 years from the foreclosure before you'll qualify for any type of loan. Co-Signers can be used for additional income but they will still consider your credit for qualification.

Anytime you you have a foreclosure you need to wait a minimum of three years, and unfortunetly a co-signor won't work. Lenders wil still analyze you credit in the transaction therefore won't allow. You are in the position of a lot of people out there that want to buy but can't for a while. Keep your credit scores up as you have at 680 and wait another two years.

3 years from the foreclosure before you'll qualify. They go off the date of the home was sold at auction back to lender or investor