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Waiting Period Requirements to Buy Again
Waiting Period Requirements to Buy Again
  
The waiting periods in order to qualify for a home loan after a foreclosure, deed-in-lieu, short sale and bankruptcy varies both by the government agency purchasing or insuring the loan as well as the dollar amount of the loan.
  
Federal Housing Administration (FHA)
 
1)     Foreclosure is 3 years
2)    Deed-in Lieu is 3 years
3)    Short Sale is 3 years
4)    Bankruptcy is 2 years
Veterans Administration (VA)
 
1)    Foreclosure is 2 years
2)    Deed-in Lieu is 2 years
3)    Short Sale is 2 years
4)    Bankruptcy is 2 years
Conventional Conforming (FNMA/FHLMC)
 
1)    Foreclosure is 7 years
2)    Deed-in-Lieu is 4 years < 80% LTV and 5 years > 80% LTV for primary residences. 7 years for second homes and investment properties regardless of LTV.
3)    Short Sales is 2 years < 80% LTV and 5 years > 80% LTV and 7 years > 90% LTV
4)    Bankruptcy is 4 years
Conventional Non-Conforming (JUMBO)
 
1)    Foreclosure is 7 years
2)    Deed-in-Lieu is 7 years
3)    Short Sale is 7 years
4)    Bankruptcy is 7 years
... more

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