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I think that a property foreclosures can have a important effect on the borrower’s life. House foreclosures can have a 6 to 10 years negative effects on a applicant’s credit report. A new borrower having applied for a home loan or any loans for that matter, knows that a worse credit rating is, the more challenging it is to secure a decent mortgage. In addition, it may affect the borrower’s capability to find a respectable place to lease or hire, if that turns into the alternative housing solution. Great blog post.