Purpose-built financing that helps qualified buyers purchase a home sooner after a foreclosure, bankruptcy, or short sale—with short seasoning periods and flexible guidelines. Ask ChatGPT
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Recent Credit Event loans are specialized financing programs for buyers rebuilding after a foreclosure, bankruptcy, short sale, or major late payments. Instead of waiting the traditional 3–7 years, qualifying borrowers may be eligible with much shorter “seasoning” periods—sometimes as little as one day on select programs—paired with flexible guidelines that consider your full financial picture, not just a past setback.
Life happens. These loans are designed to help you move forward sooner, converting a temporary chapter into a fresh start. With commonsense underwriting, alternative documentation options, and down payment structures tailored to risk, this path can restore buying power, stabilize monthly housing costs, and get you back into a home on a timeline that fits your goals.
Begin with our quick online application. Elliman Capital’s team will review your credit event, clarify the eligible seasoning window, and map the best-fit program—including rate, terms, and documentation—so you can move ahead with confidence. We handle the details with discretion and care from pre-qualification to closing.
