Good Luck to you...
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I believe FHA still has a three year rule on foreclosures, unless there are extenuating circumstances. These wouldn't include a job transfer, but things like serious illness or death of one of the wage earners, and the borrower has re-established good credit since then. Divorce isn't considered extenuating unless the loan was current at the time of the divorce, but the ex got the property in the settlement, then didn't pay the mortgage and it was foreclosed.
The best thing to do would be to talk to a couple of lenders to see what they have. I can send you a broker and lender to talk to if you'd like.
Cory La Scala, REALTOR
That is a good question for a lender. At this site http://www.thesandiegopropertyshop.com/3/W0000019683/P000036 you will find 3 lenders that I work with and they can answer your question. There are many factors that will come into play when the lender makes the final decision. Some lenders may consider lending to you again especially with a good down payment.
I am never too busy for your referrals
The San Diego Property Shop
CA DRE # 00648687