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“can I get a mortgage after a short sale”
A short sale is not a foreclosure, and the waiting periods are significantly shorter. Many borrowers qualify for a new mortgage within 2-3 years of a short sale, sometimes sooner with the right program.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Home value dropped below mortgage balanceSolution exists
- 2Relocated and could not sell at break-evenSolution exists
- 3Financial hardship forced sale below payoffSolution exists
- 4Market crash reduced property valuesSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
FHA 3-Year Wait
FHA allows applications 3 years after a short sale with re-established credit.
Available nowVA 2-Year Wait
Veterans may qualify just 2 years after a short sale.
Available nowNon-QM Immediate
Some Non-QM lenders have no waiting period with 20%+ down payment.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Short sale in your past? Let us map your path back.
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Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
FHA: 3 years. VA: 2 years. Conventional: 4 years (2 with extenuating circumstances). Non-QM: potentially no wait.
Yes. Short sale waiting periods are typically shorter, and lenders view them more favorably since you cooperated to minimize losses.
It will appear on your credit report, but the impact diminishes over time. After the waiting period, it has minimal effect on approval.
Short sale in your past? Let us map your path back.
We will reach out at a time that works for you. No pressure, no obligation.