3 years. This applies if you were in default at the time of the short sale.
If your loan-to-value (LTV) ratio is over 90%, the wait for a conventional loan can extend up to 7 years . Rules for FHA Loans Following a Short Sale after a short sale when can i buy again
The waiting period to buy a home after a short sale generally ranges from , though it can be as little as zero days or as long as seven years depending on the loan type and specific circumstances. Standard Waiting Periods by Loan Type 3 years
3 years. These loans for rural areas usually mirror FHA timelines. Rules for FHA Loans Following a Short Sale
2 years. This is typically the shortest standard wait among major government-backed programs.
4 years. Standard Fannie Mae and Freddie Mac guidelines require a four-year wait for a primary residence.