Significant derogatory credit marks can make getting a home loan very challenging. We thought it might be helpful to see a detailed breakdown of what the waiting periods are for various types of loans with derogatory credit marks. Please be advised that this information is subject to change and we will do our due diligence to have the most updated information on our website. If you have any questions please feel free to contact us. We have a team of lending professionals who we work closely with to analyze each situation.
  • FHA/VA Derogatory Credit Chart

    We have created a reference guide to assist you in determining the waiting period for a new FHA or VA mortgage

  • Fannie Mae vs. Freddie Mac

    We have created a reference guide to assist you in determining the waiting period for a Fannie Mae and Freddie Mac backed mortgage

  • Foreclosure vs. Short Sale

    This chart will show you how differently you might be effected by a Foreclosure vs. Succesful Short sale


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Keller Williams Professional Partners
1626 N. Litchfield Road 110 • Goodyear, AZ 85395
Main: 623.536.1111 • Fax: 866.500.2647
John And Marta Baxter
Your Realtors For A Lifetime!