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Foreclosures, Short Sales, Bankruptcies & CCCS...
Clients often ask about foreclosures, short sales, bankruptcies and consumer credit counseling.
"When can I get a loan having filed one of those?"
The answer is: IT DEPENDS. It depends on the loan program you are trying to qualify for. See the chart below to get an idea of the time frame you have to wait... 
Also keep in mind this is just a reference and each client's scenario is different. Sometimes the lenders will accept less than the noted timeframe with "exceptions." Death in the family, dire illness, loss of job, are some examples. 

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