Do I have to wait a full two years after short sale to APPLY or simply CLOSE after two years?We closed our short sale on 12/2/11 and would like to refinance our FHA mortgage into a conventional 30 year. There is enough equity to maintain 20% after cashing some out. The question is can I apply now and CLOSE after 12/2/13 or do I have to wait and APPLY after 12/2/13?October 25 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.