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Youâre usually staring at a seven-year wait from the foreclosure date for conventional loans. Borrowers who can show the foreclosure resulted from circumstances truly beyond their control may be able to qualify after three years. But youâll also need to make a down payment of at least 10%.
It can be confusing and deflating to consumers who have to wait 3 -7 years after the unfortunate incident of a Foreclosure or 3-4 years after a Short sale and be able to Purchase and or Refinance again.