Things that happened 12 months ago tend not to be as relevant as your payment history over the last 12 months. On time payments are a big plus.
It's best to be honest about your situation and ask if your application has the possibility before you pay the money (if you had a foreclosure, a short sale, a big ugly dog, or anything else that you have doubts about). Some newer landlords or managers expect your report to be perfect - if it were, you probably wouldn't be trying to rent. Experienced landlords and managers can sift through the medical payment data and focus on unpaid utilities, judgments for back rent and so on.
CFS Mortgage assists homeowners who have recently been through a foreclosure, short sale or have recently emerged from bankruptcy.
This September we are wanting to rent in a different city and need a house with a better layout. I'm scared we are going to lose our application fees due to our short sale. Can someone tell me how high of a possibilty this is. We have paid our rent month to month in full & on time. We did have to stop paying our last mortgage for 2 months to be considered for a short sale. So that will be
Cherry Hill, NJ