Lenders require that you have 3 years out of foreclosure typically. The credit score would not be an issue. I would have to evaluate your credit to determine if you would qualify. I would be happy to work with you. There are no fees to you. Feel free to contact me at 717-884-8823 and I'll help you get prepared for you home purchase. If convenient, you may also e-mail me at firstname.lastname@example.org.