It depends on which type of mortgage you have now... for example, if you have an FHA mortgage, you can refinance right now, so long as there has been no late payments in the past 12 months.. (Not all lenders, but there are a few out there that will do them..).. However VA, USDA and conventional have different guidelines and waiting periods.. And it also depends on whether there were any late payments on the home you short sold as well.. but really we need more info to answer properly... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.comOct 12th 2012
I'm not certain whether you sold your home as a short sale, or purchased a home that was a short sale. Others have answered the first option, if you were the buyer, you can refinance any time. There isn't any waiting period for the purchaser, but the lender who financed you generally would prefer you make at least 5-6 payments first or they have to pay a "early pay off" penalty. I lend in VA if you would like to look at options. (But I don't have options for you sold a house as a short sale unless you fit the conditions others stated)Oct 12th 2012
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