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In my opinion that a foreclosure can have a important effect on the applicant's life. Home foreclosures can have a Several to 10 years negative effects on a borrower's credit report. Any borrower having applied for home financing or any loans for that matter, knows that your worse credit rating is actually, the more tough it is to acquire a decent mortgage. In addition, it might affect a borrower's capacity to find a reasonable place to let or hire, if that gets to be the alternative housing solution. Interesting blog post.