How I did it: This was a bit of a bitch. After my divorce, I had to claim bankruptcy.
I claimed chapter 13 which meant I made payments for three years,
effectively postponing the discharge for that long. Then, in order to
buy the house, I had to be free of the discharge for two years.  I had
no money to put down, but am a veteran so I had that. I also wanted to
be sure to qualify for the tax credit and wasn't sure if they were
going to renew it. Well, they did and ... I now own a house as of
yesterday. I move in today.

Lessons & tips: This was also one of my New Years resolutions.  See my entry there.

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Jan 15, 2010, 05:45AM PST | 1 comment | 1 cheer