Mortgage Wholesale Network
This is an old post, anyone needing to short sale or with a past short sale should be contacting their loan officer immediately to find out what the CURRENT guidelines are. Answers that apply now didn't apply two years ago when this post was written.
If the original poster were to post again, the best suggestion would be to tell us the circumstances surrounding the short sale as well as when the loan we're discussing was originated to see if it's HARP eligible.
Do you know if your loan is Fannie or Freddie? That could make refinancing easier with a relief refinance or a HARP loan. Neither are credit qualifying and neither care about past history, value or income if they were originated before May 31, 2009.
Please contact me for assistance.