Zillow Advice: Home Buying - Bouncing Back from the Mortgage Crisis http://www.zillow.com/advice-thread/Bouncing-Back-from-the-Mortgage-Crisis/514074/ Zillow Advice | Zillow Real Estate Thank you! http://www.zillow.com/advice-thread/Bouncing-Back-from-the-Mortgage-Crisis/514074/ Thank you! Fri, 04 Oct 2013 12:05:00 GMT http://www.zillow.com/advice-thread/Bouncing-Back-from-the-Mortgage-Crisis/514074/ 2013-10-04T12:05:00Z Hi Teri,&nbsp;You got lucky ... http://www.zillow.com/advice-thread/Bouncing-Back-from-the-Mortgage-Crisis/514074/ Hi Teri,&nbsp;<br/><br/>You got lucky that the bank let you sell your home to your brother. Nowadays, the banks won't let you do that. As for the 'short sale', were you ever behind on the payments by more than 90 days? If not, then you need to talk to a loan officer. I had a client that had a 'short sale', but kept up on all their payments. They were able to buy a new home 2 years after the sale finalized. But, if you were late on any of the home payments, then you have to wait 4 to 7 years. There may be a FHA loan out there, but again, talk to a loan officer and see what you can qualify for. Or at least start rebuilding yourself towards home ownership again. HARP is only for owners in current trouble, they can't help you after you've already lost your home.&nbsp; Fri, 04 Oct 2013 06:02:00 GMT http://www.zillow.com/advice-thread/Bouncing-Back-from-the-Mortgage-Crisis/514074/ 2013-10-04T06:02:00Z