Unfortunately you will not be able to get a loan from a traditional lender for 3 years (FHA) after the foreclosure - but I would find a reputable mortgage advisor and realtor in your area and see if there are any local loan programs or seller financing type of properties available.

You will be required to wait 3 to 4 years from the date of the foreclosure.

Katy, it will be 3 years from the date that your previous deed of trust came out of your name, check the title records and see what that was, that is the date we will use to determine when the 3 years for FHA is up. Conventional is 2 to 7 years depending the reason for the foreclosure.

The fact that you made reference to CAIVRS tells us that you pursued an FHA insured home loan. The waiting period generally speaking to get a new FHA insured home loan requires 3 years from the date that the home transferred back to the bank and/or deed transferred to new owner. If you had an insurance claim against HUD, then CAIVRS will tell you the exact date as to which the claim was filed. From that date the soonest you can apply for an FHA insured home loan is 3 years and 1 day.

Sorry, as everyone has stated, you will not be able to get a loan right now and the length of time you will have to wait will depend on if you want to get a FHA or a conventional loan. All the best!

For conventioal guidelines, its 2 years from the date the property transfered out of your name with extenuating circumstances and 10% down. For FHA it's 3 years. WilliamAcres.com

You will be required to wait three years and one day before you will qualify for a new FHA loan. The clock starts the day the old bank recorded the Foreclosure Deed taking title from you. There are some conventional lenders that will consider a new loan in as little as 2 years with extenuating circumstances and larger down payments. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com