Credit
How long do I have to wait to buy after a short sale?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
After a short sale, conventional loans require four years, FHA three years, and VA two years before you can buy again. Documented extenuating circumstances can shorten the FHA and conventional waits.
The clock runs from the short sale completion date. We'll pin down your exact eligibility date and help rebuild credit in the meantime so you're ready with a strong file.
Related Credit Questions
Have a follow-up question?
Talk to a licensed Florida mortgage broker — no cost, no obligation.