[hennie pennie]

I do not know what state you are in, but please see if your state has set up any offices which deal directly with HOMEOWNERs whose homes are about to, or already have gone into default.

They may be a treasure trove of accurate advice.

Contact your local legal aid and find out if you can have an appointment with some realty-saavy attorney who might be able to correctly advise you, according to the specific laws of your state.

Over the past half dozen or so years here at FR, I've read many freepers complain that they weren't able to buy any property on SHORT SALE, as the qualifications/regulations were out of this world, and that anyway, it seemed that the banks are not interested in selling their foreclosed homes, as they appear to be making the process extremely difficult.

There MUST be a way that you can get competent legal & financial advice, either for free or at an extremely reduced price given the fact your income has been so low for so long.

[SeeSac]

Over the past half dozen or so years here at FR, I've read many freepers complain that they weren't able to buy any property on SHORT SALE, as the qualifications/regulations were out of this world, and that anyway, it seemed that the banks are not interested in selling their foreclosed homes, as they appear to be making the process extremely difficult.

The basic difficulty in getting a short sale property is that the bank wants at least market value for the short sale. Most buyers don't want to wait four months to buy at market value when they can get another (or new home) in just a few weeks.