{"id":3270,"date":"2023-02-03T09:29:17","date_gmt":"2023-02-03T09:29:17","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3270"},"modified":"2023-04-27T11:14:59","modified_gmt":"2023-04-27T11:14:59","slug":"faillissementen-foreclosures-scheidingen-3","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/nl\/faillissementen-foreclosures-scheidingen-3\/","title":{"rendered":"Mortgage Waiting Periods For Bankruptcies and Foreclosures"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3270\" class=\"elementor elementor-3270\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8faa9e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8faa9e9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ea94e4\" data-id=\"8ea94e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0788fe0 elementor-widget elementor-widget-heading\" data-id=\"0788fe0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Waiting Periods For Bankruptcies and Foreclosures<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05f0f5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05f0f5b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-392c6f2\" data-id=\"392c6f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f6c190 elementor-widget elementor-widget-video\" data-id=\"3f6c190\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/uQ2t8Er7mVs&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65fa554 elementor-widget elementor-widget-text-editor\" data-id=\"65fa554\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>What Is The Waiting Period After A Short Sale Due To Bankruptcy Or Foreclosure?<\/strong><\/p><p>There\u2019s a common misconception; that after a short sale, bankruptcy or foreclosure, you\u2019ll have to wait 7 years before you can get a new mortgage. Here\u2019s some good news regarding the waiting periods:<\/p><ul><li>FHA has <u>NO<\/u> waiting period on a short sale, if you are current at the time of the sale, and on time for the past 12 months.<\/li><li>If you were in default at time of the short sale, FHA will make you wait 3 years.<\/li><\/ul><p><strong>What Is The Shortest Waiting Period For Bankruptcy?<\/strong><\/p><p>The shortest waiting periods for Bankruptcy is on chapter 13. Where FHA and VA only 1 year waiting period! They will require 2 years for chapter 7 or 11.<\/p><p><strong>How Do Fannie Mae And Freddie Mac Approach Bankruptcy?<\/strong><\/p><p>Fannie Mae and Freddie Mac are more conservative and will either require more money down or make you wait up to 7 years although with specific extenuating circumstances, they too will shorten the wait periods to 2 years.<\/p><p><strong>What About Extenuating Circumstances Leading To Foreclosure?<\/strong><\/p><p>All agencies have extra rules to allow for extenuating circumstances. So, if you planned the foreclosure, the agencies can require that you wait 7 years regardless. BUT if you had a serious illness you might be able to shorten the waiting period to 1 year. There is hope at the end of the tunnel and it can come a lot sooner than you thought.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mortgage Waiting Periods For Bankruptcies and Foreclosures What Is The Waiting Period After A Short Sale Due To Bankruptcy Or Foreclosure? There\u2019s a common misconception; that after a short sale, bankruptcy or foreclosure, you\u2019ll have to wait 7 years before you can get a new mortgage. Here\u2019s some good news regarding the waiting periods: FHA [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3270","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Waiting Periods for Bankruptcies and Foreclosures<\/title>\n<meta name=\"description\" content=\"Here\u2019s some good news regarding the mortgage waiting periods for Bankruptcies and Foreclosures. 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