California FHA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale

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California FHA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale

Many California Families and Individual Homeowners have encountered financial Hardship during the past several years.  Job Loss, Failed Businesses, Risky Mortgage Loans, falling Real Estate Prices, etc have created financial Hardship for many homeowners across the Country in the form of Bankruptcy, Foreclosure and Short Sale. 

We have good news for prospective homebuyers looking to re-enter the market:   You can get a FHA Loan soon as 2-3 years after one of these events.     

Here is a quick list of the waiting period for each Hardship.

California FHA Loans After Financial Hardship:

  • FHA Loans after Bankruptcy - as soon as 2 yrs after Bankruptcy Discharge
  • FHA Loans after Foreclosure – as soon as 3 yrs after Foreclosure Sale Date
  • FHA Loans after Short Sale – as soon as 3 yrs after Short Sale date - please call to review your situtation to see if you may qualify before 3 yrs
  • Short Sales that had no late Mortgage Payments prior to date of sale may be eligible sooner than 3 yrs (sometimes immediately after sale if a Job Transfer is involved)

If you have experienced one of these financial hardships and would like to explore the purchase of another home utilizing FHA Financing,  please call us to find out how soon you may qualify to purchase a new home, upgrade your existing home, or refinance your current loan to take advantage of low interest rates.  866-900-2342 toll free direct.  VanDyk Mortgage is a Direct Lender offering FHA and VA Loans since 1987. 


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Brian Skaar

VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
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