Reporting from Washington – It is never too soon for folks who have given up their homes to start pointing to the day when they will once again decide to take the plunge.

Whether you were able to persuade your lender to accept a payoff for less than what you owed and dump your albatross in a short sale or lost everything to foreclosure, if you start rebuilding your credit now, you may be able to buy another place in as little as two years.

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