You may have found a loan officer by now but in case you haven't my bank does have a 2nd Chance loan that involves no seasoning after a short sale or foreclosure. We require 20% down and a 660 credit score.
We also offer all of the conventional loans with the standard seasoning requirements. We are a direct lender for Fannie, Freddie, FHA and VA . We also have bank backed products as well.
The rates are very competitive. I would be happy to give you more detail over the phone. Feel free to look over my website as well.