I am happy to report that after losing my home almost 10 years ago I purchased another place to call home. I have been reading and working hard to repair my credit. I purchased a townhome for $207k with $7k sellers concession at 4.50% interest rate. Thank you all for sharing your struggles and successes. To those that are still on the journey please be patient and never lose hope. The next stop for me is the 800 club. Remember the turtle finished the race because he went slow and steady!