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how do i get a home loan?

how does a short sale effect my credit.  i moved out of a family home 8/08 and signed a contract on another home.  my ex husband chose at that time to no longer make the house payment.  the day i moved out my credit score was 802.  i want to buy a home.  I am currently paying 1800.00 rent and work full time.  I have a substantial down payment just need advise and help.
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July 14 - Happy Valley
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Try www.annualcreditreport.com . They will provide you your credit reports for all three bureaus. They do not provide scores, unless you want to pay around $8 per bureau, but you will be able to see how the short sale is being reported.
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July 16
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Kelly Gebler, "Kelly the Realtor"

Portland OR Metro Area

Real Estate Agent
Contributions: 27
Hi Denise - My manager is close to you.

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July 16
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I would contact a local lender and have them run credit on you.  The key deciding factor will be how the short sale is being reported. 

Good luck.
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July 15
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Since July 2009

You need facts to make a strong decision.

The first fact you need is your credit report.  Not only is the score important but you also need to see how the short sale is being reported.

You can use one of the online services or talk to a local loan agent.

Once you have this information, you can make decisions about what to do next.
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July 15
 

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