Yes — FHA commonly allows you to buy again about three years after a short sale completes. Waiting periods, credit recovery, and documented extenuating circumstances all matter. Ryan and Steve confirm your exact completion date and map the fastest eligible path.
The clock usually starts when the short sale closes — and the rest of your credit story still matters.
FHA typically requires roughly three years from the short sale completion date before a new purchase.
We use the date the short sale closed, not when you first listed or went into default.
Documented events outside your control may support a shorter waiting period on some files.
New on-time tradelines and clean recent history strengthen AUS findings.
Conventional waits are often longer; Non-QM may open earlier at a different cost.
We confirm your timeline, rebuild credit, and pre-approve when you are eligible.
Step 1
We verify when the short sale officially closed.
Step 2
Map FHA guidelines against lender overlays.
Step 3
Focus on on-time payments and usable scores.
Step 4
Shop with a clear timeline and realistic expectations.
Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles on FHA qualification and credit events.
Sep 2, 2026 • 2MG Daily
Read article →
Sep 3, 2026 • 2MG Daily
Read article →
Sometimes with documented extenuating circumstances — we review whether your lender and FHA guidelines support an exception.
Often similar on FHA — commonly around three years from completion — but we confirm your exact event type.
Possibly. Waiting period eligibility and score/DTI approval are separate hurdles.
Conventional short-sale waits are often longer. FHA is frequently the better first path after a housing event.
Ryan & Steve will confirm your waiting period, rebuild plan, and FHA pre-approval timing.