On any future 1003 mortgage application, a prospective borrower will have to answer "yes" to question C in Section VIII that askes "Have you had a property foreclosed upon or given title or deed in lieu thereof in the last 7 years?". This answer will affect future interest rates for up to 7 years from foreclosure.
My advice is to talk to a reputable and knowledgeable lender to find out exactly where you stand. Good Luck!
Ferlly I am sorry to hear about your loss of your husband and your home.
If you want to send me a private message I am in Dayton and can recommend some local lenders to you that I trust who can tell you where you stand. If you don't qualify for a traditional loan I also know some good folks who offer lease options on homes and will work with you to help you buy when you can.
I hope I can help you.