You really should have your credit reviewed by a lender. I am available to review your credit with you and see what your options are for financing, it will really depend on how and when your foreclosure was reported on your report.
Good luck in working things out
I'm assuming that while your ex- continued to live in the house after your divorce, you still co-owned the house? If you'd like, I can also verify whether the bank still owns the house or whether it's sold.
While I'm not an attorney or a mortgage lender, I don't believe that claiming bankruptcy would have anything to do with increasing your chances of getting a home loan but would recommend that you consult a professional in the field prior to doing so. Showing a good strong credit history, an excellent FICO score as well as a history of employment are the key factors in acquiring financing.
I would encourage you to meet with a lending institution prior to looking at property. That way, you'll know whether you should be focusing on purchasing vs. renting. If you can procure financing, you'd also know what price range you should be looking in.
Hope that helps! Feel free to call me if you require further assistance.
Not knowing your situation. I would have to say you would need to find out what your credit score is. That is the most important thing. Most lenders like it to be in the 600's
Prudential Verani Realty