If you choose not to re-establish your credit the traditional way, but instead decide to pay cash for all your needs, you will still need alternative credit. But there is a caveat. Most if not all lenders are steering away from manual underwriting which means you're credit score will need to be above 620 to qualify for 3.5% down payment, so to make your life easier when you get ready, make sure you've re-established the tradional way. Here's another little not well kept secret... you'll be able to qualify for a USDA home loan in most areas of Florida outside the coastal areas, and that program is 100% financing as long as you don't own other property.
With that being said...go to this address.... http://www.fha.com/fha_requirements_credit.cfm it will give you more definitive answers.
Clearwater Federal Mortgage
Get CCards and charge $ 25.00 amd immediateley pay off to raise your credit score.
With a strong down payment you should be ok once the home is sold in PA.
Florida has a high unemployment rate; I can't say what it will be in three years. It's great that you are looking ahead. My suggestion is meeting with a professional who can help you reestablish your credit and go from there. Good Luck.
BK 13 = 1 year
BK 7 = 2 year
Foreclosure = 3 years
Of course it's always the lenders call.Never pay debts by cash ,always show proof of payments on time,ect..