1 - If there were no late payments on the prior loan during the 12 mos leading up to the short sale date.

2 - If the home was surrendered and the mortgage was included in a Bankruptcy, then the seasoning period can begin from the date of final discharge.

3 - 4 years for financial mismanagement. 2 years with extenuating circumstances.

4  - 7 years for financial mismanagement. 3 years w extenuating circumstances

5  - If the foreclosed property was protected in BK, then BK rules can apply.

6  - With extenuating circumstances only.

7  - If Chapter 13 (Conventional): 2 year waiting period from date of discharge to the new closing date.  If the process was dismissed at any time, then there is a 4 year waiting period that begins from the filing date of the dismissal (even if the BK was eventually discharged)

8 - If Chapter 13 Discharged (FHA), no waiting period required.  If less than 2 years has elapsed since discharge, the file may be eligible for a manual underwrite (see your loan originator for details)  If the BK is not yet dismissed, must provide 1) proof of 12 months of current payments and 2) a letter from the Bankruptcy judge authorizing the purchase of a home.