Filed BK7 in 2008, discharged in 2009, did not reaffirm mortgage. Looking to relocate to a different state. Spoke to a lender and they would not do a mortgage loan because they said we have no disposition on our current home. Suggested that we foreclose or reaffirm. Reaffirm is out of the question. We don't want to foreclose until we purchase another home. We can qualify for both homes. I don't understand the lender reason.