Allan, I know this is a delayed response, but did want to share some really good news. Within the last month our company is able to lend to those just one day out of a short sale. Traditionally, you would have to wait two years.
If you are looking to get back into the market, I'm here in Santa Barbara and happy to help you look into this option further, line out the details of the program, and help you determine what is the next best step to get you back into owning a home.
Feel free to call me or stop by my office.
3700 State Street #340