Another dream home will appear for you!
The good news is my tenant just got approved with 20% down by GTEFCU.org and he closed his short sale only 2 months prior and also had a bankruptcy. So try GTE credit union or another credit union because they have different guidelines than the standard "Fannie Mae, FHA, Freddie Mac" that most lenders must FIT you into. You see, with banks and mortgage brokers, they normally just sell off your mortgage the day after closing so they cannot sell it if you do not fit into the very specific guidelines.
All the best,