USDA eligible areas & income limits: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
You're probably looking at period of four years and it is highly recommended that you pay a lot of attention to getting your credit scores in shape. These are links that contain information I think will be useful to you.
How Do Mortgage Loans for Bad Credit Work?
FHA To Raise The Expense Of Government Mortgages
Healing a Wounded Credit Score
10 Things You Can Do Today To Improve Your Credit Score
Big Changes Coming for Mortgage Market
PML of Longmont, CO
10% down payment is the standard on a residential home. There are many programs that can get you in a home for lower than 10%. If the area you buy in qualifies for a USDA loan, the down payment could be 0%. Usually, a lender will want to see at least a few years after a foreclosure before you buy again.
Talk with a mortgage consultant for all of your options. A mortgage consultant will normally offer you a free consultation. Good luck to you