| Foreclosure | Ch. 7 BK | Ch. 13 BK | Short-sale | |
| Conv | 7 years | 4 years | 2 years | 4 years w/ 10% Down 2 Years w/ 20% Down |
| FHA | 3 years | 2 years | 1 year | No minimum so long as they follow Mortgagee Letter 2009-52, (no mortgage lates), otherwise 3 years |
| VA | 2 years | 2 years | 1 year | 2 years |
| USDA | 3 years | 3 years | 2 year | 3 years |