Buying after a Foreclosure or Short Sale
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Buying after a Foreclosure or Short Sale
- 1. Shelley Williams / swilliams@peoplesmortgage.com / Direct: 928.821.0782 Conventional 7 Years from Trustee Sale 2 Years with 20% Down 4 Years with 10% Down 7 Years for Full Eligibility 4 Years from Discharge or Dismissal Date 2 Years from Discharge Date 4 Years from Dismissal Date FHA 3 Years from Trustee Sale 3 Years from Sale; **No waiting period IF no Lates on Short Sale Mortgage 2 Years from Discharge Date 1 Year of Payout with Satisfactory Payment Performance & Court Permission VA 2 Years from Trustee Sale 2 Years from Discharge Date 1 Year of Payout with Satisfactory Payment Performance & Court Permission *Extenuating Circumstances may lessen waiting periods. Revised 4/28/2013 LO Licensing: AZ LO-0914359 NMLS-222861 Company Licensing: AZ BK—0904164 NMLS-6274 USDA 3 Years from Trustee Sale NO WAITING WITH GUS APPROVAL Otherwise, 3 Years 3 Years from Trustee Sale 2 Years from Trustee Sale Short Sale & Modifications Foreclosure Occurrence Chapter 7 Bankruptcy Chapter 13 Bankruptcy IF Short Sale involved a VA Loan, THEN treat as a foreclosure. Otherwise, NO additional guidelines 2 Years with 20% Down 4 Years with 10% Down 7 Years for Full Eligibility 3 Years from Deed Date 2 Years from Deed Date 3 Years from Deed Date Deed In Lieu Of Foreclosure