The earliest is VA 2 years but you can't have deficiency balance on VA. FHA is 3 years from trustee sale date. I can order the paperwork for your records so you know you can buy the next day after the 3 year mark. If your fico is between 500-579, you will need 10% down. If you have a minimum 580 fico score, you may qualify for only half percent down payment program. I specialize in Under 640 Fico Score Loans. I also offer credit repair at no cost to raise fico scores to qualify. Here are brochures and a needs list to qualify when your ready.
CHF Access half percent down brochure, pdf
Sheryl Arndt, standard needs list checked, pdf
Why Rent brochure
CHF Access income limits http://tinyurl.com/8lzf8he