!--more-->
Borrowers with a credit score over 740 with a foreclosure in the past two years paid an average rate of 5.02%, according to LendingTree. That compares with 4.70% for borrowers who had not had a foreclosure, or at least not had one in the last seven years.
The difference is an extra $17,135 in borrowing costs on a $250,000 mortgage, LendingTree said, which falls to $4,580 for buyers who wait at least three years after a mortgage to apply for a new mortgage.