VA is 2 years, FHA is 3 years.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com
VA only requires a two year wait period and the re-establishment of credit and adequate eligibility. It can be more complicated if the loan on the property short-sold was a VA loan. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950
at least 2 yrs from when the house was totally out of your name linda yourloanpartnerforlife@live.com
VA requires at least 2 years from finalization of short sale
If it has been 2 years I'd be happy to help you. Make sure you also have re-established credit and have a decent (640 or higher is much easier to get approved). Also, if the last loan was also VA make sure you have sufficient entitlement left to buy another home using VA financing.
PS roughly the same as FHA, but potentially a bit less restrictive - FHA is much more difficult if less than 3 years.
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