If you need help, have more questions, or want more information I'd be happy to help. I do a ton of FHA loans, lend in all 50 states and I'm helping someone right now in Somerset County.
However, if it was due to extenuating circumstances, and you have the 12 months of re-established credit and the no new delinquencies since, then you could be eligible for an FHA mortgage right now, but under the tougher underwriting guidelines (lower debt ratio limits, verification of rental history if you've been renting since, would be good to have some reserves still in the bank after closing, etc.).
If you are VA eligible (a Veteran or an unmarried widowed spouse of a Veteran), then VA loans just require 2 years from foreclosure in any situation. Obviously not everyone is eligible for a VA loan.
I would add; you have 6 months to help yourself:
1.) Bulid up your reserves: Lenders want to see a paper trail for money and some time-in-the-bank for savings. If Uncle Ernie just loaned you $5000 so your reserves would look good; IT WON'T WORK.
2.) You will want your credit lines to be below 50%, (40% would be better), that is, the balance on your credit cards as a percentage of the max credit line on the card. BUT, you do not want to pay them off!!! This is a source of good credit and there will be no reporting if you don't owe them anything.
3.) Don't BUY ANYTHING!! Nothing that you can do without: You certainly do not want to buy anything on credit, but not CASH either, you need that cash in the reserves.
4.) Go ahead and use your cards for normal purchases, like food and supplies; but pay it back at the end of the month.
Good luck and may God bless