For you to qualify for an Indiana housing loan or a zero% down loan you have to make under a certain income restriction. I believe for Marion county its around $76,000 which includes all income in the house not just who would be on the loan. You also have to have a higher credit score. I believe it is a 670.
Some lenders will do a 620 for FHA. Others want a 640, but as Cami mentioned above there are other factors besides credit score that will factor into you being qualified for a loan. Such as debt to income and no late payments on your 3 credit lines.
Your bankruptcy has been discharged I am assuming and usually short sales are only negative on your credit report for 3 years. It all depends on if you have been late on other bills since the short sale and what your Debt to income would be. I would just call a mortgage lender and see if they have any programs that work for you.
If you didn't sign anything then she can't legally take any commission, however if she brought you to the neighborhood and the builder is paying out the commission she might be able to ask for one from them.
You can contact any agent in your area and they can show you if the house is listed. See if you can find it on your local remax website they should have a list of people at that office that could help you. IF its a For sale by owner just contact the owner of the property.
Check out INHP. They are very inexpensive to work with. They are really good at what they do and if you complete there program a lot of the lenders they use have special rates and incentives for you.
Most lenders are stuck to the 4 loans per person. There are a few lenders that can do up to 10. I have worked with one and it was Waterstone mortgage. Give them a call and see if they can help you out!!
Find a limited agency company. They will still list your home on the blc, but besides that everything is al la carte. So you can pay them to do what you need help with and not the stuff you feel like you could do on your own.
Check to make sure your listing is showing up correct on the MLS. Check to make sure your taxes are accurate as well with any HOA fees. Make sure your pictures are the best they can be. If your not getting any showings then it has to either be something wrong with the mls sheet or your pictures aren't inviting. If everything else is pending around you make sure your price is competitive.
You really should call a couple different lenders/banks to see if they offer any programs in your area that help with down payment assistance. There are definitely types of loans out there that don't require you to have a down payment though.