Options for Mortgage with after short sale 3.5 yrs agoHello, I am in market for buying but we were forced to do a short sale 3.5 yrs ago. Now, I understand that Fannie Guidelines require 4 yrs wait period. Are there any options besides FHA? I wouldnt like to do FHA due to lifetime MI.We are looking to put down 10-12% initially and looking for in 450K price range (which is quite low considering expensive prices in Northern VA)Please advise, and Thanks in AdvanceDecember 12 2013 - Fairfax00YesReport 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.