What is the waiting period for refinance after short sale?

Depends on which type of loan, if you were not late in the last 12 months of short sale then most lenders do NOT have a waiting period, which I have not come across anyone that fits that category, Then there is up to 3 years again depending on whether is FHA,VA or conventional

Your individual circumstances would predicate the waiting period. New programs just released allow Borrowers to purchase one day out of Short Sale even with late payments.

Depends on the loan program, and what happened along the way to the short-sale. For example, did you have late mortgage payments?? I suggest talking to a local mortgage broker in your area for more assistance.

Hi Sherwin, I'd be happy to help you with this. The other answers are all correct. No waiting period if you were current at the time. If you were not current on the mortgage, there's a three year waiting period. However, this can possibly be reduced to one year if the circumstances surrounding the short sale were caused by a loss of income out of your control. all, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

FHA allows for a PURCHASE after 12 months if you can document a 20% reduction in income.. but not a refinance.. conventional allows for a refinance or purchase 24 months after a short sale so long as you have at least 20% equity.. .. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Yes ranging from NO wait to up to 3 years depending on the type of loan and down payment available