Bankruptcy – Chapter 7:  4 year waiting time from either discharge or dismissal date, depending on the bank or lender.

Bankruptcy – Chapter 13:  2 year waiting time from discharge date or 4 year waiting time from dismissal date.

Foreclosure:  5-7 year waiting time from completion date, auction sale. Principal residence occupied loans only, must have 10% minimum down payment, require 680 or better FICO tri-merge credit score. Cash out refinances are not permitted.

Deed-in-Lieu of Foreclosure:  4 year waiting time from completion date. Minimum 10% down payment, require 680 or better FICO tri-merge credit score.

Pre-foreclosure Sale / SHORT SALE:  2 year waiting time from close of escrow date. Requires 680 or better FICO tri-merge credit score. Cash out refinance is permitted.