Did you have a short sale or Loan modification done?Shot me over an email or call so that I can get the entire story and help you from there.
Reaffirmed meaning bankruptcy? Sold as in the loan was sold or the house was sold? We need a little bit more info to help you determine what you would qualify for.
A little more info
Probably will have to wait - If you want an answer you can hang your hat on, I would suggest you sit down with an experienced loan officer in your area and review your entire situation. Even if you don't qualify now, the loan officer can give you direction to be best prepared for the shortest waiting period possible.
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