I had a short sale 2 years ago and I want to get a mortgage

you should have no problem

How is your credit? If you can show you have built and or rebuilt your credit in the last two years you should have no problems.

With restored credit, you should be fine.

The guidelines just changed on the 16th of last month. Conventional financing now requires a 4 year waiting period for borrowers with a short sale. FHA has a few programs that might help, but the guidelines are very strict and your limited to FHA loan limits. To find out if you actually qualify, then the best suggestion I can give you would be to contact a LOCAL mortgage broker and apply with them. Once they look at your exact loan scenario and credit, they should be able to guide you correctly. By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com