How Soon Can I Buy After a Shortsale?

FORECLOSURE
-Conventional-7 years from the completion date on the foreclosure action as reported on the credit report or other foreclosure documents provided by borrower
-FHA-3 years from the completion date on the foreclosure action as reported on the credit report or other foreclosure documents provided by the borrower
-VA-3 years from the completion date on the foreclosure action as reported on the credit report or other foreclosure documents provided by the borrower

SHORT SALE
-Conventional-2 years form the short sale date per HUD-1 if putting 20% down,
4 years if putting 10% down,
7years if putting less than 10% down,
-FHA-Treated as a foreclosure
-VA-Treated as a foreclosure

BANKRUPTCY CHAPTER 7
-Conventional-4 years from the discharge date or dismissal date of the BK
-FHA-2 years from the discharge date or dismissal date of the BK
-VA-2 years from the discharge date or dismissal date of the BK

BANKRUPTCY CHAPTER 11
-Conventional-Same as Chapter 7
-FHA-Same as Chapter 7
-VA-Same as Chapter 7

BANKRUPTCY CHAPTER 13

-Conventional-2 years from the discharge date or 4 years from the dismissal date
-FHA-Eligible to buy once they are done with their payments and have approval from BK
-VA-Eligible to buy once they are done with their payments and have approval from BK