The ability to get a mortgage again after a previous one depends on various factors, including your credit history, financial situation, and the reason for the previous mortgage. Here are some general guidelines:

1. Credit Score: Lenders typically look for a credit score of at least 620 to qualify for a conventional mortgage, although some may require higher scores for better interest rates. If your credit score has improved since your previous mortgage, you may have better options available.
2. Debt-to-Income Ratio: Lenders also consider your debt-to-income ratio (DTI), which is the percentage of your monthly income that goes toward debt payments. Generally, a lower DTI is better when applying for a mortgage.
3. Previous Mortgage History: If you’ve had a foreclosure, short sale, or bankruptcy, there may be waiting periods before you can qualify for a new mortgage. These waiting periods vary depending on the type of loan and the circumstances of the previous mortgage.
4. Financial Stability: Lenders want to see that you have a stable income and employment history. If you’ve changed jobs frequently or have irregular income, it may be more challenging to qualify for a mortgage.
5. Down Payment: The amount of down payment you can make can affect your ability to get a mortgage. A larger down payment may make you a more attractive borrower and could help offset other factors that may be working against you.
6. Type of Mortgage: Some types of mortgages, such as FHA loans, may have less stringent requirements compared to conventional loans. However, these loans may have other drawbacks, such as higher interest rates or mortgage insurance.
7. Financial Counseling: If your previous mortgage issues were related to financial mismanagement, seeking financial counseling or working with a credit counselor may help improve your financial situation and make you a more attractive borrower.

It’s essential to shop around and compare offers from multiple lenders to find the best mortgage terms for your situation. Additionally, working to improve your credit score and financial stability can increase your chances of qualifying for a mortgage in the future.