You can count on at least 3-5 years based on the new FHA guidelines, but that's if you are proactive in reviving your credit and seeking credit counsel, otherwise you could be looking at a much longer time period. If you haven't been foreclosed on yet, I would strongly suggest a short sale and would be glad to speak to you about your options. We can stop the foreclosure now.
Talk to you soon,
Certified Short Sale Agent