Mortgage Lender Approvals After Bankruptcy, Foreclosures, and Short Sale.     Conventional (Fannie Mae) After Bankruptcy, Foreclosures, and Short Sale. Foreclosure 7 years from completion Bankruptcy Ch. 7 – 4 years from discharge/dismissal Ch. 13 – 2 years from discharge/4 years from dismissal Short Sale 4 years from completion   Conventional (Freddie Mac) After Bankruptcy, Foreclosures, and Short Sale….