Adverse Credit Seasoning

Read the fine print.

These waiting periods are the minimum time to become eligible. They are not a promise of approval. Credit, income, assets, and recent payment history still matter. A borrower can be past the seasoning clock and still not qualify. Non-QM figures reflect typical investor guidelines and vary by lender. Guidelines change. This is a reference tool, not a commitment to lend. Confirm every scenario with America First Mortgage.

Last reviewed: July 2026