I went through a nasty divorce about 2 1/2 yrs ago and my ex let my house go back to the bank and it appears on my credit report, although I have a letter from the judge that granted our divorce stating that he was solely repsonsible for the expenses of the house including the mortgage. Is there a way I can still qualify for a loan? My credit is not very good at 522 right now, but I have a full time job which adequate income to make a house payment. Any help would be appreciated. I would consider a land contract, rural development loan, fha loant etc.