Waiting Period Calculator

Many people have experienced a derogatory action that adversely affects their credit profile — short sale, bankruptcy and foreclosure. Below is a calculator that details the amount of time that must pass after each derogatory has occurred before being eligible for a mortgage loan. It is broken down by FHA, VA, USDA and conventional loans. SHORTER WAITING PERIODS MAY BE AVAILABLE, so please call 813-707-6200 to see if you’ll be eligible sooner.

Are overlays killing your home sales? Find out how you can beat a realtor’s worst enemy.

Take the next step

Getting started is easy. Just pick one of the options below and answer some questions. It only takes a few minutes.

Get Prequalified to Buy or Build

Refinance or Get Cash Out