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Buying after Bankruptcy

FHA Mortgages

  • 2 year wait time after Chapter 7
  • 1 year wait time after Chapter 13 Bankruptcy. You will have needed to have made 12 payments on time to the trustee and must have trustee and judge approval to purchase another home.
  • 3 year wait time after foreclosure.
  • 3 year wait time after short sale if there were any mortgage late payments in the 12 months before the short sale.
  • There is no waiting period if you had no mortgage late payments in the 12 months before the short sale occurred.

Fannie Mae or Freddie Mac

VA Mortgage

  • 2 year wait time after Chapter 7 Bankruptcy.
  • 1 year wait time after Chapter 13 Bankruptcy. You will have needed to have made 12 payments on time to trustee and must have trustee and judge approval to purchase another home.
  • 2 year wait time after foreclosure.
  • 2 year wait time after short sale.

Van Law Firm has helped many in the Las Vegas and Henderson community with foreclosure, short sale, bankruptcy, debt settlement, loan modification, and personal injury.

Please feel free to contact us today so that we may discuss the options that are available to you.

Van Law Firm at 702-529-1011.