There are some government loan programs that you might qualify for. But you would have to do an application to see if you could be approved. One of the best programs is the USDA loan program, our office is licensed to do USDA loans, and there is no fee to apply. I would be happy to see if you could qualify for this or another program. You can fill out a no cost application at http://www.mtgcapital-mi.com
Mortgage Capital Associates
Congratulations on getting your credit score back up!!!
I can give you three different lenders that you can speak to so you can find out what they have to offer.
The bankruptcy is the bigger issue, but you never know until you speak to someone. We have a buyer purchasing now, fully approved that we did a Short sale with 3 years ago.
Let me know if you want that list of lenders.
Good Afternoon!! Talk to a mortgage lender the time frame for purchasing after a bankruptcy and short sale vary. Ask your friend to refer you to the lender that helped her if possible.
Karen Paytas, GRI, CMS
Real Living Kee Realty