Hello Jellyfish, You may buy a home now as it has been three years since your short sale of your home. I will need the address of your short sale home to get the exact date on paperwork which I can email you for your records. I offer FHA CHF Access half percent down payment program with a minimum 580 fico score to qualify. This can also contribute towards your closing costs as well. You may also even qualify for USDA Rural with a minimum 620 fico score to qualify and has no mortgage insurance. I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify.
Here are brochures and a needs list to qualify. I only need to ask a few dozen questions...
CHF Access half percent down flyer, pdf
CHF Access half percent down brochure, pdf
Sheryl Arndt, standard needs list checked, pdf
Why Rent brochure
CHF Access income limits http://tinyurl.com/8lzf8he