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Do you have a link to what the old rules for qualifying after a short sale were in 2009, so we can see if a couple with delinquent payments at the time of the short sale would qualify for a mortgage?

The new guidelines show what the old guidelines were. See page 5 under matrix, "Action--Time Period After Pre-Foreclosure Sale," "Current Requirements" and "New Requirements."

In the past, a short sale was considered just like a foreclosure but not specifically stated as such. Only as a result of the recent financial/real estate meltdown has a distinction been made between "pre-foreclosure" (short sale) and "foreclosure."
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