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Any mortgage people on here?


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Short sales yes (after 4 years have passed) up to 90% ltv with very strong credit otherwise, foreclosures you'll need to wait 7 years, have an otherwise strong application, and a big down payment.  

And you can always go FHA, I think.  



Edit:  Link to Fannie Guidelines:  https://www.fanniemae.com/content/guide/sel102213.pdf


Search for "preforeclosure" which is their term for short sale.  

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