You only have a few months to go before you will be eligible to buy using a FHA loan.
Now of course if you are impatient then there are Hard money lenders or rent to own.
Sure they are not cheap or very competitive, but that is the way it goes after a Foreclosure or
a Short sale.
Did you receive the information you wanted? Would you like more information and to also begin planning?
It is often best to start the process early so that we can position you to purchase. I have seen buyers wait the full 3 years only to find out steps could of taken before to prepare.
It will cost you nothing to prepare except a little time. To me that beats waiting only to find out you could or should of done something.
Info on Lease Options:
Info on the criminal side of Credit Repair:
Info on Down Payment Assistance in Kentucky:
It is a free conversation to have, find out where you are at, what you can do to increase your scores, and how long it will take.
Best of luck.