VA waiting periods after a short sale versus foreclosure, and next steps. From The 2 Mortgage Guys at Luminate Bank, lending nationwide.
Home
VA Loans
Short Sale
About two years from short-sale completion is typical for VA purchase, plus re-established credit. Ryan & Steve confirm your dates, residual income, and whether FHA or conventional is a better fit.
Timing starts from short-sale completion — and credit rebuild still matters.
A clean rebound after the short sale is as important as the calendar date.
Avoid these common mistakes that delay VA approval after a short sale.
Waiting periods differ — VA is often among the faster paths back to purchase.
Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will verify your completion date, residual income, and lender overlays — then get you pre-approved when the clock clears.