Do you have something in writing that you were forgiven the loss on your short sale? If not you may still owe that lender..
All the best,
Future Home Realty
There a certain lenders that may take on your file if other factors of your file are strong. However, it is very important that you provide your new lender evidence that the title of the home has been transferred back to the former lender that you used to finance your home. They will go by that date of transfer to measure when you were no longer the owner, not by the time of when you completed the short sale closing. I have provided a web link below so that you may find that date.
Call or email me if you have further questions.