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.