# Can a lender require a waiting period before loan approval?

**URL:** <https://community.propertyradar.com/t/can-a-lender-require-a-waiting-period-before-loan-approval/818>\
**Category:** Lending & Financing\
**Created:** [September 4, 2009, 9:39am UTC](https://community.propertyradar.com/t/can-a-lender-require-a-waiting-period-before-loan-approval/818 "2009-09-04T09:39:27Z")\
**Posts on this page:** 4\
**Page:** 1

<div class="post-metadata">

**Author:** ![Richard1](https://avatars.discourse-cdn.com/v4/letter/r/50afbb/32.png) [@Richard1](https://community.propertyradar.com/u/Richard1)\
**Post date:** [September 4, 2009, 9:39am UTC](https://community.propertyradar.com/t/can-a-lender-require-a-waiting-period-before-loan-approval/818/1 "2009-09-04T09:39:27Z")

</div>

I purchased a house at auction, fixed it, listed it and it is now in escrow. The buyer’s lender is requiring a 90 seasoning period before they will approve a loan. I have heard of this on FHA loans, but thought that the anti-flipping rule had been recinded. Any thoughts on this?

---

<div class="post-metadata">

**Author:** ![Sean](https://avatars.discourse-cdn.com/v4/letter/s/f0a364/32.png) [@Sean](https://community.propertyradar.com/u/Sean)\
**Post date:** [November 4, 2009, 6:20am UTC](https://community.propertyradar.com/t/can-a-lender-require-a-waiting-period-before-loan-approval/818/2 "2009-11-04T06:20:38Z")

</div>

As I understand it, the anti-flipping was only rescinded for bank owned properties… still impacts the rest of us. Try to avoid FHA when flipping, and try to go after offers with the largest downpayment.

---

<div class="post-metadata">

**Author:** ![Melika](https://avatars.discourse-cdn.com/v4/letter/m/6de8d8/32.png) [@Melika](https://community.propertyradar.com/u/Melika)\
**Post date:** [November 4, 2009, 11:05pm UTC](https://community.propertyradar.com/t/can-a-lender-require-a-waiting-period-before-loan-approval/818/3 "2009-11-04T23:05:28Z")

</div>

You cannot do a flip on FHA. I do have Investors that will do Conv flipps and VA flipps.

---

<div class="post-metadata">

**Author:** ![David7](https://avatars.discourse-cdn.com/v4/letter/d/df788c/32.png) [@David7](https://community.propertyradar.com/u/David7)\
**Post date:** [May 26, 2010, 11:36pm UTC](https://community.propertyradar.com/t/can-a-lender-require-a-waiting-period-before-loan-approval/818/4 "2010-05-26T23:36:26Z")

</div>

Hello,  
We have a short term private capital program in place that can be used to refinance a property purchased at foreclosure, free up working capital, and get taken out once the 90 day FHA period has expired. Feel free to call or email me: [david@minerscapitalinc.com](mailto:david@minerscapitalinc.com) or 805.484.7800