There are more and more lenders that are offing loans after short sales. Recently however the rules have gotten stricter on FHA and Conventional lending.
First you should ask a friend or family member for a referral... if you cannot find a good referral source you should search your local area for a Private Portfolio lender on Google like this one if you are in the SF Bay Area.
Do some research... look at public comments and reviews then make a few phone calls. Once you are comfortable with a lender local to your area that can help your unique situation I'm sure they can help you submit a proper loan application that would be allowed right after a foreclosure or short sale.
Dear Ebdb: You've received some great answers to your very important question. I always tell my Buyers to shop around and get good faith estimates. You do it for a car, right? Why not for a Mortgage that your will be paying for a long time?
You have a great point. So, I've asked two of the many great lenders I deal with to give me their input. I wanted to get their perspective. I'll post their reply for you.... more