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Know that sellers will take a bigger hit on their credit report by going through foreclosure than going through a Short Sale.
Of course paying you mortgage with a few late payments and modifying your loan is the best course of action, however that topic is for a different blog. FICO score may sway towards the following:
Foreclosure A hit of 200 to 300 points may occur within the 3 different credit bureaus. This means if a seller's FICO score before foreclosure was 720, it could dip lower than 300. The seller has to also consider the initial dings from the lates caused prior to the end of the foreclosure.
Short Sale The affect of a short sale on a seller's credit report is much less damaging. The ding on credit will show up as setteled less then amount owed, some sort redemption status, or a few other different ways. But the result in the loss is about 60 to 140 points. This means a short sale with a previous FICO of 720 will see it fall to 550 to 600.
Estimated Waiting Period Before Buying Another Home
Foreclosure When the seller now becomes a buyer it will take about 60 months before a lender will offer a rate that you may consider. Of course at a purchase price of half of what you may have bought prior to this. But now with the constant daily guideline changes the lending industry is experiencing rates may not be economical for the buyer. Moreover, with the new restrictions of the guidelines the cure time and consequences may be worse. "The presence of a foreclosure on your credit report probably will make it extremely difficult to obtain new credit at the best rates, especially if you also have problems with other credit accounts. A foreclosure remains on your credit report seven years to 10 yrs, so it will have a long-term effect on our creditworthiness. "Experian - Credit Bureau
Short Sale The good news for short sale sellers is that the wait is much shorter before buying another home. Short sale will show up on your credit for approx 3 years and you can build your credit with ease. Make sure to keep paying all other debit on time.
We offer free, discreet consultations over the phone, at our office or in your home and there is never any obligation. Contact us today or apply online for more information.
Please take the time to browse through our website and gather the information that you need. If at any time you have further questions about what we can do for you in your situation, you can email or call us at anytime and we will be happy to assist you. Thank you for reaching out to The Marcus Rice Team.
Contact our team today to learn more about your options
Please contact Marcus for a free consultation and we will work with you to either help you save your home or sell it.WWW.RICHMONDVAHOME.COMfor more info or call 804-247-8187
Finding your Richmond, VA. dream home has never been easier, use our linksto get started.
The Marcus & Tonya Rice Team specializes in Richmond, Va, Henrico County, Chesterfield County, Powhatan County, Hanover County, Petersburg, Colonial Heights, and Fort Lee Homes and Real Estate for sale. We are tech savy realtors with over 11 years experience. Please join us on our Social Networking Network to stay up to date on Richmond Virgina real estate news and more...
RICHMOND VIRGINA SHORT SALES, PETERSBURG VIRGINIA SHORT SALE SPECIALIST, COLONIAL HEIGHTS VIRGINA SHORT SALE SPECIALIST, CHESTER VIRGINIA SHORT SALE SPECIALIST, RICHMOND VIGINIA SHORT SALE SPECIALIST, SUNTRUST SHORT SALE VIRGINIA, HENRICO COUNTY SHORT SALE SPECIALIST, CHESTERFIELD COUNTY SHORT SALE SPECIALIST, VIRGINIA SHORT SALE SPECIALIST, MOSELEY SHORT SALE SPECIALIST, VARINA SHORT SALE SPECIALIST, RICHMOND SHORT SALE SPECIALIST, FAIRFAX COUNTY SHORT SALE SPECIALIST, MIDLOTHIAN SHORT SALES, GLEN ALLEN SHORT SALES, CHESTER SHORT SALES, MIDLOTHIAN SHORT SALE SPECIALIST, BRANDERMILL SHORT SALE, HANOVER COUNTY SHORT SALES, RE/MAX SHORT SALE RICHMOND, WOODLAKE SHORT SALE, SHORT SALE PETERSBURG, STOP MY FORECLOSURE VA, STOP MY VIRGINIA FORECLOSURE, STOP VIRGINIA FORECLOSURE NOW, MIDLOTHIAN SHORT SALE REALTOR
About the Author: Suzanne Hinton and The Hinton Group are recognized local real estate experts for the Overland Park KS home market as well as the Johnson County KS home market. Suzanne can be reached at 913-529-1453.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.