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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 will depend on the closing date as set forth in the contract. For privately owned sales-assume a normal 30-45 days...It could be less if it's a cash deal. For foreclosures-usually 30 days. For short sales-it should be 30-45 days after the 3rd party lender approves the contract.or privately owned sales-assume a normal 30-45 days...It could be less if it's a cash deal. For foreclosures-usually 30 days. For short sales-it should be 30-45 days after the 3rd party lender approves the contract.