Want A Mortgage But You Have Baggage

Want A Mortgage But You Have Baggage

What are the guidelines if you have had a bankruptcy, foreclosure or short sale? 

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Well, it depends on the type of mortgage you are applying for. 


Conventional: 4 years from discharge  - FHA: 2 years... - VA 2 years... - USDA: 3 years....


Conventional: 7 years from recorded Trustee's Deed upon sale - FHA/USDA: 3 years... - VA: 2 years...

Short Sale

Conventional: 4 years - FHA/USDA: 3 years - VA: 2 years

Min. Credit Scores

Conventional/VA: 620 - FHA: 600 - USDA - 640 

If you are interested in getting pre-qualified for your next home let me know. 

Amy Rodriguez - The Queen Team - Keller Williams AZ Living Realty - 928-202-6149 - amy@queenteamhomes.com

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Phone: 928-303-8134
Dated: July 13th 2016
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Keller Williams Arizona Living Realty - #BMP Network
2800 Hualapai Mountain Rd.
Kingman, AZ

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