A Fresh Start in
Maryland Homeownership
Whatever happened before, it does not define what comes next. We help returning buyers get back on the path to ownership with no judgment and a clear plan forward.
You Have Been Here Before
Life happens. A foreclosure, a short sale, a divorce, a period where owning simply was not possible. You are not defined by what happened and you are not disqualified from owning again.
CAST Realty MD works with returning buyers every day. We understand the waiting periods, the loan options available to you, and how to position you for the strongest possible application when the time is right.
- Buyers who went through a foreclosure or short sale
- Buyers who have not owned a home in three or more years
- Buyers rebuilding credit after a difficult period
- Anyone who owned before and is ready to own again
How Long Do I Have to Wait?
| Event | FHA | VA | Conventional |
|---|---|---|---|
| Foreclosure | 3 years | 2 years | 7 years |
| Short Sale | 3 years | 2 years | 4 years |
| Bankruptcy Ch. 7 | 2 years | 2 years | 4 years |
| Bankruptcy Ch. 13 | 1 year | 1 year | 2 years |
Waiting periods run from the discharge or completion date, not the filing date. CAST Realty MD will review your specific situation in your free consultation.
What Getting Back on Track Looks Like
The steps are the same as any home purchase. What is different is how we approach them given where you are starting from.
Know Where You Stand
Free consultation to review your credit, your timeline, and the loan options available to you right now.
Build Your Plan
We map out exactly what needs to happen before you are ready to apply, with realistic timelines and no guesswork.
Get Pre-Approved
When the time is right, we connect you with a lender experienced in returning buyer situations.
Find Your Home
Search, offer, inspect, and close — with a full team supporting you every step of the way.
No judgment. Just a clear path forward.
Brenda has helped buyers in all kinds of situations get back to homeownership. Your first conversation is free, confidential, and comes with zero pressure.
Tell Us Where You Are Starting From
Everything you share stays confidential. We are here to help, not to judge.