Zillow Advice: Mortgage - Can I qualify for a loan with 20% down, if I short sold my previous home almost 3 years ago? http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ Zillow Advice | Zillow Real Estate I suggest to speak to a local ... http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ I suggest to speak to a local lender but it sounds like you would be a good candidate - You did not mention credit score though. But certainly speak to one.&nbsp; Wed, 20 Nov 2013 17:44:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ 2013-11-20T17:44:00Z Gladding, we have a portfolio ... http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ Gladding, we have a portfolio program where you can qualify 1 day after a short sale. <br/>Different lenders have different programs and I think you believe that too from posting your question.<br/><br/>bets regards, Sat, 16 Nov 2013 04:09:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ 2013-11-16T04:09:00Z You should be able to get ... http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ You should be able to get a loan through a Fannie or Freddie direct lender, such as my bank. &nbsp;You have already seasoned the loan for 2 years. &nbsp;Give me a call if you would like to talk more about your situation. Fri, 15 Nov 2013 23:54:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ 2013-11-15T23:54:00Z You may have been told that ... http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ You may have been told that because that is what one lender requires. But all lenders are different and they don't always require the same thing. The usual wait period when you have 20% available is around 2 years. Since you are past that you have a much better chance at obtaining a loan. There are California lenders like myself that have been able to give loans to people in situations like yourself so give one of us a call. We would be glad to speak with you to help you get the loan you need!<br/><br/>Well I hope this helps! If you have any other questions or if you would like a loan, feel free to contact me.<br/><br/>Good Luck! Wed, 02 Oct 2013 21:21:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ 2013-10-02T21:21:00Z Hello Gladding,Yes you can, ... http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ Hello Gladding,<br/>Yes you can, with 20% downpayment you are elegible after 2 years after a shortsale, and the required fico score is 660 or higher.<br/><br/>Please let me know if I can assist you with this.<br/><br/>You can reach via my profile or<br/>626-643-2945<br/>lgutierrez@gemcorp.com<br/><br/>Luis Gutierrez<br/><br/>Regards; Tue, 01 Oct 2013 21:54:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ 2013-10-01T21:54:00Z For a Fannie Mae home loan ... http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ <p>For a Fannie Mae home loan the following waiting period requirement apply:<br/><br/>Two year for transactions with a maximum of 80% loan to value so you in your situation it has been 3 years so if all else is good you could do this</p> Tue, 01 Oct 2013 20:52:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ 2013-10-01T20:52:00Z Hi Gladding,Depending on ... http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ <p align="left">Hi Gladding,<br/><br/>Depending on the circumstances, you may be able to qualify 2 years after the short sale.&nbsp; Generally, you will be required to put a minimum of 20% down.<br/><br/>Feel free to contact me via my profile if you have any questions.<br/><br/>Best,<br/><br/>Bryan</p> Tue, 01 Oct 2013 20:46:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-loan-with-20-down-if-I-short-sold-my-previous-home-almost-3-years-ago/513725/ 2013-10-01T20:46:00Z