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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%.
Buying a House with a Conventional Loan 4 years after a short sale with less than 20% downpayment (i.e. 5%-15% down payment) The standard wait time to buy a house after a short sale with a minimum of 5% down payment using a conventional loan is 4 years after a short sale (or 7 years after foreclosure).