Feel free to give me a ring at: http://fhamortgageinfo.com/
Check if you qualify for a mortgage. Try http://www.whywaitbuytoday.com
My name is Marques I represent CRL home loans we are a brokerage that works with over 70 different lenders. We currently have guideline in place that are as follows. If you have had a foreclosure during a bankruptcy each lender will look at the date of the sherriff's sale so unless you or your spouse served in the military you must wait until Mar 2014.
Also you have the NACA program:
Just make sure your Realtor signs you up with NACA or you may have to work with an ASSIGNED Realtor or your Realtor may have to pay a significant fee to NACA.
Hope this helps.
All the best,
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Town & Country Mortgage Srvs., Inc.
Town & Country Mortgage Srvs, Inc