Laura Maldonado, BBA, MBA, MLO’s answer
Extenuating circumstances do play a role sometimes. For example, a short-sale as a result of a new job that is 50 miles or more away. I'm very sorry that good people like you get caught in a black hole, does not seem fair. Another black hole is for people who just retired and the financial benefits have not kicked in yet or only have a month of income. I too have an excellent credit repair company that only takes clients by referral. They've been in business for 25 years.
The best way to determine if you can qualify for a loan today is to contact a lender. I can provide you with the names of three excellent mortgage brokers. Please contact me by email, text or phone for their contact information.
Birgit O'Hearn, Realtor
Keller Williams Realty
Not in my experience.....here's an idea......have your short sale removed by a credit cleaning company....takes 30-45 days and they can do wonders with your credit.....not all companies are alike...some are not reputable but I do know a good one.....drop me a private note or call me....
Linda M. Lukas