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Your Advantage Is
My Experience
Call Bill Ladewig
866.204.9733
858.451.1481
Closing Home Loans Since 1970..
Your Mortgage Mentor
California Home Loans Since 1970
Waiting Periods For Major Credit Derogs
National Association of
Mortgage Brokers
Waiting Period
FHA 2 Years
Conventional 4 Years
2 Years from Discharge
4 Years from Dismissal
5 years if more than one filing in past 7 years.
7 Years Conventional
3 Years FHA
2 Years up to 80% LTV
4 Years up to 90% LTV
7 Years up to maximum Fannie/Freddie Guideline LTV
Derogatory Credit
Bankruptcy
Chapter 7 or 11
Conventional
Chapter 13 Bankruptcy
Multiple Bankruptcy Filings
Foreclosure
Conventional
Deed-In-Lue of Forclosure
Pre-Foreclosure Sale
Short Sale
