Sorry it took a while to get back to you; some family emergency issues the past few days...
I do have a lender which seems to meet your needs: Will do standard loan-to-values for "non-delinquent short-sales", which means to 85% for them. Would need to get credit score up to 720, but that should not be a problem as you are now at 717. Everything else sounds doable.
Give me a call or send me an email and we can look at all the details to assure there are no issues once we do "turn over every stone". :)
Bill Parker, Loan Officer
AZ Lic# 09011570
CPA--Licensed, no longer practicing
GenCor Mortgage Inc.
15730 N. 83rd Way, Suite 103
Scottsdale, AZ 85260
(O) 480-525-8496, EXT 743; (M) 602-565-3646; (F) 480-436-5226
MISSION STATEMENT: To create an unbelievably enjoyable experience for my clients, while guiding them through the most important financial transactions of their personal lives. My clients know me as their Mortgage Lender for Life. I truly appreciate your referrals.
If you think it's expensive to hire a professional to do the job, wait until you hire an amateur.
Red Adair, Oil well firefighter