Zillow Advice: Mortgage Types - Had short sale 2 years ago, which lenders do not have an overlay? http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ Zillow Advice | Zillow Real Estate Hi Ed,No overlays here... ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ Hi Ed,<br/><br/>No overlays here... In fact we have an exclusive loan program that allows you to buy again just one day after Short-Sale or Foreclosure..<br/><br/>It's our most popular loan and we are closing them constantly! Thu, 09 Jan 2014 00:44:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2014-01-09T00:44:00Z I don't think Homepath will ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ I don't think Homepath will work for you, but the Back to Work program that just got passed in August significantly lowers requirements to purchase after short sales and foreclosures. Ask your local mortgage broker to help you look into that. Wed, 18 Dec 2013 17:35:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-12-18T17:35:00Z Go talk to FirstBank on University ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ Go talk to FirstBank on University Blvd. They have flexibility with their in-house loans.<br/>For a good laugh, mention my name.......they are great bankers. Mon, 16 Dec 2013 20:48:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-12-16T20:48:00Z I think this could be done.&nbsp; ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ I think this could be done.&nbsp; There is a new program with FHA called The Back To Work Program which you may qualify for.&nbsp; In addition, with your score being around 700 it would be good in respect to compensating factors.&nbsp; Please feel free to reach out to me with any questions or concerns.&nbsp; Thanks and have a great day! Fri, 13 Dec 2013 20:12:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-12-13T20:12:00Z Fannie Mae has the 80% max ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ Fannie Mae has the 80% max with 2 years since DIL of foreclosure or preforeclosure sale.&nbsp; No exceptions for HomePath program sorry,&nbsp; If you have the 20% down and would like to explore your options I'd be happy to help just shoot me a message.<br/> Fri, 05 Apr 2013 15:08:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-04-05T15:08:00Z I have 3 Credit cards, never ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ I have 3 Credit cards, never missed a payment on them. Longest card is 14 years and all cards have a low balance.&nbsp; Have one auto loan that is just under one year old, I am using it to better my FICO score. Guessing FICO is around 700.&nbsp; The short sale did involve 120 day late payment.<br/><br/>Would prefer 10% down.<br/><br/>What about Home Path?<br/><br/>Thank you in advance for your help. Fri, 05 Apr 2013 01:29:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-04-05T01:29:00Z Have you maintained multiple ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ Have you maintained multiple other credit lines post short sale?&nbsp;What is your credit score now?<br/> Thu, 04 Apr 2013 14:48:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-04-04T14:48:00Z Yes we have programs 2 years ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ Yes we have programs 2 years out with 20% down. &nbsp;If there were no late payments on the short sale we can finance you 1 day out of the short sale. &nbsp;Let me know if I can help further. &nbsp;My contact info is on my profile. Thu, 04 Apr 2013 13:58:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-04-04T13:58:00Z Do you have 20% down? I have ... http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ Do you have 20% down? I have one in process right now. Please visit my profile if you would like to discuss. Thu, 04 Apr 2013 08:09:00 GMT http://www.zillow.com/advice-thread/Had-short-sale-2-years-ago-which-lenders-do-not-have-an-overlay/486233/ 2013-04-04T08:09:00Z