short sale
Here's a link that may help: http://iloanhomemortgage.com/uncategorized/buying-after-a-short-sale-is-an-excellent-mortgage-credit-risk/. There are 3 other articles on this topic that will also help along with a video that may also help (if you're able to get over the fact that...

Is there a new refinance program to help homeowners with private, non-government bank loans
The only think I can think of is that you might want to call your current loan servicer and ask them if they'd entertain a FHA Short Refi (assuming that qualifying for a FHA loan would be possible): http://iloanhomemortgage.com/uncategorized/fhas-short-refi-program/.

LPMI
If your loan was an LPMI deal, then the paperwork should have read conventional insured.

Can we qualify for a mortgage?
If your new jobs are full them, then yes. If they are part time, then no.

Getting a jumbo or 80-10-10
If your credit score is 740+, I can do that in 1 loan. 80-10-10 is possible but a pain to coordinate.

Where do I fill out an application?
https://charlesdailey.secure-loancenter.com/WebApp/FullAppLogin.aspx

can you get a va loan for land and constr
VA financing can be used as an "end loan" or a "perm loan" to a separate construction loan in a 2 time close (http://iloanhomemortgage.com/borrowers/choosing-your-iloan-mortgage-program/mortgage-loans-for-new-construction/). Sometimes, you'll see situations where a bank will bring a...

How much should I be making a year for a 200,000 mortgage
One of these two calculators could help you with that: (1) http://mycalx.com/calculator21.php?CID=312 or (2) http://mycalx.com/calculator14.php?CID=312.

I am looking for home equity rates in fort wayne, Indiana
http://www.fortfinancialcu.org/loanrates.asp#

I've had both ch.7 and ch.13 bankruptcies - possible to get a loan?
5 years is a long time from VA's perspective. Here are the comprehensive waiting periods by loan type: http://iloanhomemortgage.com/waiting-periods/. You're past the waiting period for VA and that's great since, in my opinion, there's no loan superior to a VA loan. I'm licensed in ND and would be...

determining if i have equity in my house
First, find out if the loan type you'll want would require an appraisal. If it does, you can either use automated valuations such as eppraisal.com for estimates or ask the Realtor that helped you buy your home to, as a favor or courtesy, give you an opinion of value.

are 80/20 loans available in 2014?
Getting around the need to a down payment probably won't be possible. However, there are 22 different ways to structure mortgage insurance and some of them involve no monthly mortgage insurance. Single Premium mortgage insurance and Lender Paid mortgage insurance are among them. You can read about...

borrower paid vs. lender paid. How does this change things?
Jeff Phillips answers here are very good. I would only add that you should ask your existing lender for more pricing options than you are being given (because they can do that). Nobody has just one rate. This principle is explained here: http://www.iloanhomemortgage...

can my Vantage score be used insyead of Fico?
The major loan products available (Fannie Mae backed, Freddie Mac backed, FHA insured, VA insured or RD funded) do not use Vantage. Additionally, they don't use most of the FICO scores that are available for consumer purchase online. The reason for this is that there are many versions of the FICO score. ...

DO student loans count on my credit? for a mortgage loan?
Outside of refinancing? Not a ton. You could possibly call your loan servicer and request a loan modification if you think you're in eminent danger of default.