First of all, kudos to you for not giving up or throwing in the towel. Know that you are not alone, as millions of other homeowners throughout the country have found themselves in similar situation with regards to their home and bankruptcies, short sale and foreclosure filings have been at at an all time high over the past few years....................a difficult time for many! Your question would be best answered by a lender or mortgage broker but I believe the faster route to recovery is with a USDA loan but they are area specific (rural) and there are income restrictions. But be encouraged, even if you are not there yet, with you desire and determination you will accomplish your goal. I would be happy to put you in touch with a couple of reputable lenders with whom you can speak freely and confidentially. Feel comfortable to call or email me without cost or obligation. All the best to you.