Seriously!

[pepperoncini]

A credit report is not the only thing they reference when you apply for a home loan. When they do the public records search they will find that foreclosure. Ask others here

But the house was IIB! The way I understand that is that the OP no longer has a legal responsibility to that home.

[jmanford]

But the house was IIB! The way I understand that is that the OP no longer has a legal responsibility to that home.

Yes, she is not responisble. I'm just saying if you apply for an FHA loan in the future they will find the foreclosure!!!!!!!!!!!!!!!!! Even if it's not on your credit report. Lenders look at short sales in a more positive light that foreclosures. Especially if your short sale was do to extenuating circumstances like loss of income or a job. They look more favorably upon you, by letting you purchase again in 2 years instead of 3 to 5. Are you understanding what I am saying for christs sake?