4 years. Standard Fannie Mae and Freddie Mac guidelines require a four-year wait for a primary residence.
3 years. This applies if you were in default at the time of the short sale. after a short sale when can i buy again
2 years. This is typically the shortest standard wait among major government-backed programs. 4 years
Lenders follow strict "seasoning" requirements before you can qualify for a new mortgage after a short sale. These periods officially begin on the (closing date). This applies if you were in default at
The waiting period to buy a home after a short sale generally ranges from , though it can be as little as zero days or as long as seven years depending on the loan type and specific circumstances. Standard Waiting Periods by Loan Type
If your loan-to-value (LTV) ratio is over 90%, the wait for a conventional loan can extend up to 7 years . Rules for FHA Loans Following a Short Sale