Sandor, I have former shortsale clients now trying to get a new loan. Lenders are looking at between 2-3 years depending on your credit and they have fairly strict loan criteria, so please contact specific lenders for what they require. I think any lender you call will give you similar answers. You used the term "refinance" which is a different catagory than a new loan, but I think you meant "new" loan to purchase a home.
Best Wishes and Happy New Year,