Arizona Mortgage Blog by Kelly Zitlow

An Arizona Mortgage Specialist with over 15 years exp., Kelly produces this Arizona Mortgage Blog for realtors & home owners in Arizona who wish to be informed concerning the ever-changing Mortgage Market and FHA Loans, VA Loans, and Conventional Mortgages. Information about obtaining a Mortgage in Arizona can be found at www.kellyzitlow.com.

Archive for tag: Waiting Period

Buying a House After Foreclosure, Short Sale, & Bankruptcy

Believe it or not we are already starting to see buyers who have met their waiting period time frames and are getting close to buying a house after a foreclosure, short sale, or bankruptcy. Many people think they have to wait 7-10 years and their is a lot of rumors and miss-information circling around. Knowing what their individual waiting periods are can be liberating.

The wiating period time frame following a foreclosure, short sale, and bankruptcy is based on their completion date of their unfortunate event.

To read last weeks update which broke down each situation and the waiting period for a FHA Loan, VA Loan, Conventional and more, just click here for waiting period update.

I have also launched a helpful and informative website to educate borrowers about their waiting periods and how we can work together during their waiting period to have them ready when their individual time frames are up.

www.buyingahouseafter.com

If you or a client ever has a question, do not hesitate to call me. I'm here for you.

Revised VA Loan after a Short Sale Condition

Just a quick revision to our "Waiting Period Chart" for borrowers who have had a short sale in Arizona.

"If no mortgage lates in the 12 months leading up to the short sale, a VA Loan may be obtained in less than 2 years." To access the whole revised waiting period chart, click here.

We do a lot of VA Loans and this is a great option for those who have benefits. Feel free to contact me anytime you have a question regarding a VA Loan and we can walk through it.

~ Kelly

 

Investors get Waiting Period Exception for Cash-out Mortgage Financing

Our Arizona market has many investors paying cash today! These buyers are in a position to pay cash now with the intention to obtain a mortgage on the property in the future. Standard waiting period has been 6 months.

Great News! Fannie Mae just released and "Exception" which can waive the 6 month waiting period.

Read the requirments that need to be met here.

I know, I know.....there's a lot to digest! Good news is you don't need to know ALL of the details. That's what I do!

If you're currently working with cash investors, I am happy to research the mortgage guidelines and prepare a personal financing strategy for them to leverage their cash position. Don't hesitate to call me.

~ Kelly

 

Revised Waiting Period Chart

Yesterday we posted a revised waiting period chart that now includes "Deed in Lieu" situations for each loan type. And it also still covers the latest mortgage scenarios regarding the waiting periods for FHA, VA, Conventional, Jumbo, and USDA for those who have endured foreclosure, short sale, and bankruptcy.

Click Here to See it.

~ Kelly

Revised Waiting Period Chart

I just posted a new "waiting period" chart for those looking to buy a house after a short sale, foreclosure, or bankruptcy. It covers FHA Loans, VA Loans, Conventional, as well as Jumbo and USDA Rural (which just had a revision).

Click here to view the Waiting Period for Buying a House After - Chart

Call me any time with your Arizona mortgage or market questions.

Kelly