I recommend refinancing only if you are getting an interest rate 1.5 less than what you have, to make it worthwhile your expense.
I am a realtor with 26 years in the business, I hope my information helps you.
Best of Luck!
So the answer is that after a short sale if you have any late payments you need to wait 3 years. on the other hand if you have any late payments the waiting period is 3 years at this time. On the other hand we may be able to streamline your existing FHA loan and lower your payments now even though the three years may not be up.
Would really need to put in a loan application to find out.
It will be up to the lender you have on your new home or any other lender you apply to. The big name lenders would probably be the same in what they answer, then there are mortgage brokers and they are all different in what they can do since there financing money comes from different venues
You may have a better chance with a mortgage broker. If you would like a list of them just send me an email
I know to purchase a home you would have to wait 2 years minimum
Ingrid Ski Realtor