Refinance after short saleWe are 2.5 years out from a short sale which required 2 defaults. How long until we can qualify to refinance our current mortgage? We have a good credit (except for the short sale) and would easily have an 80%LTV ratio. September 20 2012 - 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.