How long after a short sale can I buy a home?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
After a short sale, expect to wait four years for conventional, three for FHA, and two for VA, from the completion date. Documented hardship can shorten FHA and conventional waits.
A short sale is treated more gently than a foreclosure. We'll confirm your timeline and prepare your credit for the earliest possible re-entry.
Short sale timelines
A short sale reopens the door faster than a foreclosure. FHA usually wants three years. Conventional runs two to four years based on your down payment. VA is often around two.
The completion date of the sale starts your clock. Documenting it can shorten the wait.
Getting back in Florida
Short sales were common here, and most sellers buy again. Steady credit since the sale is what matters. It rebuilds lender confidence.
We calculate your exact eligibility date. Bring the closing paperwork and we will chart your return.