I have a client that actually just closed on a Short Sale a month ago and GTE Credit Union is giving him a mortgage!
Contact GTE Credit Union or if you got it alone, your husband's income wouldn't be able to be used to qualify for your mortgage.
Also if a credit union cannot get you a mortgage, we also have a great program you may be able to go through:
Just make sure to have your Realtor sign you up with NACA or she may have to give a large portion of the commission to NACA.
If you're not yet working with a Realtor, I would be happy to assist you. Visit my website to sign up for a free Listingbook account and you can browse all listings "like a Realtor".
All the best,
Alma Rose Kee PA
Future Home Realty
Laurie Dykeman, Realtor
Cornerstone Properties & Investments, LLC
Liane Jamason, REALTOR, CDPE
Smith & Associates Real Estate
I have a couple of questions to ask you.
1. Was your name on the 1003 Mortgage Application?
2. Was your name on the Note?
If you answer no to these two questions then you're okay. If you answered yes to the questions, then you would not be able to purchase for 2 years after your short sale. Talk to a mortgage lender/broker though to make sure you are able to purchase.
With regard to your mortgage, all spouses in the State of Florida have to sign the mortgage and truth and lending statement. Check your mortgage to make sure.
Hope this information helps. Take care.