VA FAQ #20 - VA Loans and Foreclosure dates - what date is used?

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VA FAQ #20 - VA Loans and Foreclosure dates - what date is used to determine the minimum waiting period? 


The operative date for the VA waiting period after a Foreclosure may surprise you,  as it varies somewhat state by state and the corresponding methods of Foreclosure Transfers.   In many states,  it is based on the Trustee deed or Sherrif's deed, which corresponds to the date the home was sold on the courthouse steps.  


>>> Complete VA Jumbo Loan information for post Foreclosure VA Loan qualification


Note - If your prior Foreclosure was included in a Discharged Bankruptcy and surrendered, we will use the date of the Bankruptcy discharge as the operative date for the VA Foreclosure waiting period.   If you are being told by your Lender you must wait due to the homes sale date being a very long period after the BK discharge, and the 2 years has not elapsed on the home transfer, but the BK was discharged 24 months ago or more,  please call us.   We allow this calculation, many lenders do not.  Call the VA Loan Pro's,  we can help.   760-752-4480. 


This is part 20 of our VA FAQ series for Frequently Asked VA Loan Questions.    FAQ = Frequently Asked Questions, and when it comes to VA & VA Jumbo Loans, we get plenty of questions and we have the answers for you.  

We have been making VA Loans since 1987 and are a Direct Lender offering both VA Loans and VA Jumbo Loans for the Purchase or Refinance of your Primary Home.  Please give us a call to get help with your VA Loan or VA Jumbo Loan questions, and see if you qualify for a VA Home Mortgage - 866-900-2342 toll free direct,  or contact us online at  

We offer VA Loans, VA Jumbo Loans (aka VA High Balance Loans) for purchase, refinance and VA IRRRL streamline thoughout our service area:  California, Colorado, Georgia, Indiana, Massachusetts, Michigan, Mississippi, Tennessee, Texas, Virginia, Washington and Wyoming.   Give us a call to get started today - 760-752-4480


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Brian Skaar

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