Job relo forced me to short sale my home. Stopped paying mortgage after signed contract and bank approval of short sale. HELOC lender reported 120+ days late and ‘charged off’ loan balance. Sale closed 1 year ago. Never used my VA loan eligibility before and no credit issues in past 12 months (actually, in past 12 years other than short sale). Are there any lenders around who might fund a VA loan after only 1 year instead of the 2 years required by Fannie and Freddie?
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