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.

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