After A Short Sale When Can I Buy Again Page

The waiting period to buy a home after a short sale generally ranges from , though it can be as little as zero days or as long as seven years depending on the loan type and specific circumstances. Standard Waiting Periods by Loan Type

2 years. This is typically the shortest standard wait among major government-backed programs. after a short sale when can i buy again

3 years. This applies if you were in default at the time of the short sale. The waiting period to buy a home after

Lenders follow strict "seasoning" requirements before you can qualify for a new mortgage after a short sale. These periods officially begin on the (closing date). 3 years

3 years. These loans for rural areas usually mirror FHA timelines.

4 years. Standard Fannie Mae and Freddie Mac guidelines require a four-year wait for a primary residence.

If your loan-to-value (LTV) ratio is over 90%, the wait for a conventional loan can extend up to 7 years . Rules for FHA Loans Following a Short Sale