FHA waiting periods after a short sale, credit, and how they differ from foreclosure. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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After a Short Sale
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.
We confirm your timeline, rebuild credit, and pre-approve when you are eligible.
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Ryan & Steve will confirm your waiting period, rebuild plan, and FHA pre-approval timing.