What is the minimum wait time after short sale 2013?

If you had a short sale and there were zero late payments on the mortgage or any of your other obligations, then FHA has a loan product where you can finance right away.. the guidelines are strict and they want to be sure you're not taking advantage of the market, but so long as you meet the guidelines you can apply right away.. otherwise, FHA requires 3 years, VA requires 2 years, USDA requires 3 years, Conventional requires 2 years if you have 20% down, 4 years if you have 10% down, and 7 years with less than 10% down. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Guidelines require 3 years after the date of sale.

You may get some varying answers here, but with us it would be 4 years for Conventional loans, 3 years for FHA loans, 3 years for and 2 years for VA loans.

Generally FHA and VA are 3 years after a short sale, USDA is 2 years after a short sale. Possible 2 years if there were no delinquencies. I am a local licensed mortgage originator and would be happy to answer any questions that you may have.

Most times it will be 3 years.

You got some good answers already... But I would add that you see a lot of "extenuating circumstance" talk where you might be able to qualify earlier. The reality is this almost never happens, for plan on waiting the full time period.