Welcome to LORI & TONI'S home buyer's section. We want to assist buyers looking for real estate and homes for sale in the Phoenix, Paradise Valley, and Scottsdale metropolitan areas of Maricopa County, AZ. Please tell us how we can assist you in your search. We offer homes from our own INVENTORY as well as... MLS - HUD HOMES - NEW HOMES -SHORT SALES - FORECLOSURES and FOR SALE BY OWNER.

HUD HOMES INFORMATION * HUD HOMES * HUD HOMES INFORMATION * HUD HOMES * HUD HOMES INFORMATION

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BUYER FORMS

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As a buyer, you need to know when you can get back into the market…

 *BUYER WAITING PERIOD TIME FRAMES*

*Waiting Period Time Frames vary by lender and circumstances. Information contained herein is deemed reliable, but is in no way intended to be guaranteed. Requirements and restrictions vary and can change at any time without notice. This information is intended to be a guideline for typical scenarios and is correct as of the time of publication. If you have further questions please feel free to contact Lori & Toni for more information, or you may also speak with a lender of your choice. If you would like a lender referral, you may always contact us for names of lenders we have worked with in the past.

 

Foreclosure

 

7 Years

Short Sale

  • 2 Years with 80% LTV Ratio
  • 4 Years with 90% LTV Ratio
  • 7 Years with >90% LTV Ratio

Chapter 7 Bankruptcy

4 Years from Discharge or Dismissal Date

Chapter 13 Bankruptcy

  • 2 Years from Discharge Date
  • 4 Years from Dismissal Date

Freddie Mac

Foreclosure

  • 4-7 Years with 90% LTV Ratio
  • 7 Years from completion date >90% LTV Ratio

Short Sale

4 Years from Completion Date

Chapter 7 Bankruptcy

4 Years from Discharge or Dismissal Date

Chapter 13 Bankruptcy

2 Years from Discharge Date

FHA

Foreclosure

3 Years from Completion Date

Short Sale

3 Years from Completion Date
* Per FHA ML 09-52, FHA financing can be obtained in less than 3 years under certain conditions.

Chapter 7 Bankruptcy

2 Years from Discharge or Dismissal Date

Chapter 13 Bankruptcy

1 Year of payout must elapse and payment performance must be satisfactory; buyer must receive permission from the court to enter into a mortgage.

VA

Foreclosure

2 Years from Completion Date

Short Sale

No specific information on this yet. Assume 2 year rule.

Chapter 7 Bankruptcy

2 Years from Discharge date

Chapter 13 Bankruptcy

1 Year of payout must elapse and payment performance must be satisfactory; buyer must receive permission from the court to enter into a mortgage.

 




 

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  • FORMS

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3131 E. Camelback Rd. SUITE #125 • Phoenix, AZ 85016
Lori's Cell 602-725-6922 • Toni's Cell 602-725-6923

Call Us Toll Free @ 1-877-684-1075


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