• Conventional Loan: 4 year time period from either the discharge or the dismissal.
• FHA / VA Loan:  2 year time period from the discharge of the bankruptcy.

• Conventional Loan: 2 years from the discharge date or 4 years from the dismissal date. 
• FHA / VA Loan:  Acceptable with 12 month acceptable payment history of the bankruptcy and permission from the court.  Credit Must be reestablished outside the bankruptcy.

• Conventional Loan:  5 year time period from the most recent dismissal or discharge date required for borrowers with more than one bankruptcy filing within the past 7 years.
• FHA / VA Loan:  Same

• Conventional Loan: 3 year time period from the most recent discharge or dismissal date.
• FHA Loan:  3 year time period from the completion date.
• VA Loan: 2 year time period from the completion date.  Borrower must have reestablished good credit.

• Conventional Loan:  2 years for 80% LTV/CTV or 4 years for 90% LTV / CLTV or 7 years for LTV per standard guidelines.

• FHA Loan: 3 year time period from completion date.
• VA Loan: 2 year time period from the completion date.  Borrow must re-establish good credit.

•    Same as Deed in Lieu

• Conventional Loan: 2 years for 80% max LTV / CLTV or 4 years for 90% max LTV / CLTV or 7 years for qualifying per standard guidelines.
• VA Loans:  No seasoning required so long as the following guidelines are met:  1. The borrower has no lates on previous mortgage.  2. The borrower has not entered into any agreement with the previous lender or servicer that obligates them to repay any amount associated with the short sale, including a deficiency judgment.
• FHA Loans:  1.  Borrowers are not eligible for a new FHA mortgage if they pursued a short sale agreement on his or her principal residence simply to:  take advantage of declining market conditions and purchase a similar or superior property within a reasonable commuting distance.  2.  Borrowers are considered eligible for a new FHA insured mortgage if they were current on their mortgage and other installment debts at the time of the short sale of their previously owned property, and the proceeds from the short sale serve as payment in full.  If the borrower was in default on their mortgage at the time of the short sale, are not eligible for a new FHA insured mortgage for three years from the date of the pre-foreclosure sale.

Hopefully that provides you with some helpful guidelines.  If you find yourself in the situation of needing to consider any of these options feel free to give me a call.  I have worked with several people facing foreclosure and short sale and can at least get you pointed in the right direction.