Paul is correct regarding the timeline, you have waited long enough, the remaining question is have you done the other things you need to do in order to qualify for financing. Re-establishing credit after a difficult time is critical. Using, but not abusing credit will go a long way. You will need to have 2-3 good re-established trade lines. Any late payments are really difficult to overcome after an event like foreclosure or bankruptcy.
Meet with a local lender and see what they think may be possible. Best of luck.