Awesome! Thank you!
When did the deed pass to the new buyer in the short sale? (date)
What type of loan did you have before, VA, USDA, FHA?
If the mortgage was discharged in the bankruptcy and you didn't reaffirm the debt, then if the BK discharge (assuming it's a Ch 7) was over 4 years ago, then you would be eligible now with Fannie Mae financing and 5% down (perhaps even 3%) - as it goes by the BK discharge date and not the foreclosure/short sale date. See the thread here. While that thead only discusses mortgages discharged in bankruptcy that were later foreclosed on, it also applies to mortgages discharged in bankruptcy that later short sold (as I've gotten those done).
You are welcome. Most lenders offer Fannie Mae programs, but just a small percentage of loan officers are aware of that guideline. What is even a smaller percentage, are the underwriters who know that it also applies to short sales & deed-in-lieu of foreclosures (since the guidelines don't specifically say). I had to convince our underwriter to call Fannie Mae directly to confirm it also applied to short sales.