Home Buying in 34689>Question Details

jkc, Home Buyer in Tarpon Springs, FL

Buying after short sale

Asked by jkc, Tarpon Springs, FL Sun Apr 13, 2014

Home was only in my husband's name, I don't make enough to apply for a home loan myself, when would we be able to apply together for a loan? Or is there any other options out there? Thank you so much.

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3
Yup, just had a previous client who had a foreclosure 1.5 years ago and just purchased a new home. Hardworking, diligent and good credit scores are key. So don't give up.
0 votes Thank Flag Link Mon Oct 13, 2014
Most programs do call for a 2 year waiting time, but it will depend on your how the credit was affected or reported. The best bet is to meet with a local and trusted loan officer who can pre-qualify you and let you know given your case.
0 votes Thank Flag Link Mon Oct 13, 2014
Typically the waiting period is about 2 years. However, there are programs out there that will let you purchase homes sooner if your current credit score is high enough.
0 votes Thank Flag Link Mon Oct 13, 2014
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