Can you get an FHA Loan 3 years after a short-sale?

The waiting period is 3 years, so if you're beyond that, then you would be ok... Mid score of 640 for most lenders is required, as well as sufficient debt to income ratios... there could be other things on your credit that could prohibit you from getting approved.. The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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

Yes we can help you.Our office services your area and would be glad to work with you to get an approval.Mark WCS Lending 800-485-1387 Extension 107

The answer is yes, however in many cases if a short sale was set up a certain way there may be no wait time, however, this being said if it appears on the credit report as a short sale we may be able to do a refinance in as little as two years. Give us a call..Joyce 301 915 5644 or email speedlad@aol.com thanks

Yes! Except for a few exceptions, the general rule is that FHA requires that the new loan close escrow not less than three years from the date the Foreclosure Deed instrument is recorded with the county recorder's office. An exception to this would be if the foreclosure was an FHA loan. The same rules apply to short sales. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com