Zillow Advice: Credit Scores - 630 score, short sale 2 years ago, can put 50% down http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ Zillow Advice | Zillow Real Estate Hi JB,I know an excellent ... http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ Hi JB,<br/><br/>I know an excellent lender locally who may be able to help you.&nbsp; Message me via my agent profile on Zillow and I'll give you her contact information. Sun, 17 Nov 2013 03:03:00 GMT http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ 2013-11-17T03:03:00Z [promotion deleted by Zillow ... http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ [promotion deleted by Zillow moderator.&nbsp; Please check out our Good Neighbor Policy for posting guidelines] Fri, 15 Nov 2013 23:18:00 GMT http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ 2013-11-15T23:18:00Z Private money you can do ... http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ Private money you can do with 50% down but the rates are a lot higher. Wed, 07 Nov 2012 04:05:00 GMT http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ 2012-11-07T04:05:00Z JB,There are lenders out ... http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ <p>JB,<br/>There are lenders out there for just your circumstances.&nbsp; They will lend to clients who have reliable income and a substancial down payment.&nbsp; Their loans are for a shorter period of time than conventinal but have no pre-payment requirements.&nbsp; This type of lender can get you through that one to two year waiting period and allow you to purchase a home now when the prices are at a all time low.&nbsp; <em>[deleted by Zillow moderator, Please see our Good Neighbor Policy for posting guidelines]</em> Check them and any others you can find out so you can take advantage of the market today and not have to wait a couple of years when the prices are sure to rise.</p> Mon, 05 Nov 2012 01:17:00 GMT http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ 2012-11-05T01:17:00Z To answer your question since ... http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ To answer your question since you are looking at a conventional loan given your scenario you need to wait at least 3 years before you can apply for a mortgage again. FHA is the only option that will allow you to purchase after 2 years from date of short sale. You will need to improve your credit score to 640 or better. Not sure what you mean by your wifes modest income. Hope this gives you more clarification. Sat, 03 Nov 2012 19:40:00 GMT http://www.zillow.com/advice-thread/630-score-short-sale-2-years-ago-can-put-50-down/465710/ 2012-11-03T19:40:00Z