My mom is behind on her mortgage payment. How long does she have to wait to get a mortgage?

To secure mortgage loan today, you can have no thirty-day mortgage leads in the last 12 months. Your mom will have to wait a period of one year to be able to secure mortgage loan financing.

RELATED MORTGAGE ADVICE FROM SCOTT SHELDON

Should You Buy a Rental Property for Cash Flow or Appreciation?

Cash flow and appreciation can both build wealth through rental real estate, but they work differently. Learn how to balance income, equity, financing, and tax planning.

New Fannie Mae Departing Residence Rental Income Rules: What Homebuyers Need to Know

Fannie Mae’s 2026 departing-residence update changes how rental income may be documented when you keep your current home as a rental and buy another primary residence.

How to Buy a Home With a Financed Down Payment

A financed down payment program may help qualified buyers purchase with little or no down payment. Learn the payment tradeoffs and who it may fit.

Income, Credit, and Down Payment: How Mortgage Approval Really Works

Mortgage approval is about more than a credit score. Learn how income, debt, credit, and down payment work together when buying a home.

View More from The Mortgage Files:

Row edge-slant Shape Decorative svg added to top
Row edge-slant Shape Decorative svg added to bottom

begin your mortgage journey with sonoma county mortgages

Let us make your mortgage experience easy. Trust our expertise to get you your best mortgage rate. Click below to start turning your home dreams into reality today!