Mortgage Waiting Periods

Mortgage Waiting Periods For Different Loan Types:

Conventional Loan Waiting Period
Bankruptcy: 4 Years
Foreclosure: 7 Years
Deed in Lieu: 3-7 Years
Short Sale: 3-7 Years

VA Loan Waiting Period
Bankruptcy: 2 Years
Foreclosure: 2 Years
Deed in Lieu: 2 Years
Short Sale: 2 Years

FHA Loan Waiting Period
Bankruptcy: 2 Years
Foreclosure: 3 Years
Deed in Lieu: 3 Years (only if mortgage was current at the time)
Short Sale: 3 Years (only if mortgage was current at the time)

USDA Loan Waiting Period
Bankruptcy: 3 Years
Foreclosure: 3 Years
Deed in Lieu: 3 Years
Short Sale: 3 Years

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Alfy Sprenger, Principal Broker
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