What type of Loan EDITEDI apologize I was pre-coffee when trying to type our situation. And while re-reading it realized it was clear as mud. Let's try that again. Here are the facts... My husband and I had to do a FHA PreForclosure Short Sale Program back in January 2012. It will be two years seasoned as of January 2014. We do not have 20% down to do a Conventional loan after 2 years. We heard you can do Conventional after 2 years with 10% down with extenuating circumstances. I'm not sure what exactly qualifies since we do not have a death in the family or any medical conditions. My Husband's credit score is around 659-661. He is employed for over 7 years now with the same company. Mine is around 720 though I am unemployed. We live in Florida. We have gotten out of $15,000 worth of debt since doing the FHA Preforclosure Sale and pay all our bills 100% on time and early. We have rented a home now for nearly 2 years and paid on time and early. What type of loan can we qualify for at our 2 years seasoned mark in January 2014? We are looking for something with 3%, 5% or 10% down.October 18 2013 - US0YesReport 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.