Hi Everybody,

One of the most common questions that I get from Veterans who have experienced a short sale is the following…

How long do you have to wait to get a VA Loan After a Short Sale?

The truth is that often times Veterans are given information that may not be true as it relates to this specific topic. That said, the answer is simple…it depends.

Veterans applying for a VA Loan After a short sale will typically have to wait at least 1 year (in my experience) to get a VA Loan. That said, the VA does not have an actual written policy on short sales so it’s actually up to the lender to decide whether or not the Veteran is an acceptable credit risk.

Now in my experience Veterans are often told that they must wait 2 years in order to apply for a VA Loan after a short sale. Having said that, we have helped Veterans purchase a home in just as little as 1 year after the short sale. Now it’s important to understand that not all Veterans will qualify for a VA Loan just 1 year after a short sale. The Lender will need to determine the following before you are approved. Why did it happen? And why is it not going to happen again?

For more information about waiting periods for a VA Loan After a Short Sale feel free to roger up with me at 602-908-5849 or email me at [email protected]

Semper Fidelis,

Jimmy Vercellino