Posts: 8,918
Registered: ‎03-06-2010
Re: Included Home in Bankruptcy and Still Shows Foreclosure on My Credit Report

Not every lender is the same. But the information that I have regarding VA loans is different. This is what I have on file from lenders in my area:

2 years from date f/c was completed and transferred back to the bank; 12 to 23 months if there are acceptable extenuating circumstances.


The good news for a VA loan after a short sale, if there were no late payments on the mortgage or consumer debts for twelve months prior to the short sale, AND the borrower is not taking advantage of market conditions, then there is no waiting period