If you borrow FHA or VA you have to wait 2 years. If you borrow conventional it's 4 years.
You need to re establish at lest 2 lines of credit.
Go to your bank and ask them to secure a visa card secured against the money deposited.
This will get you started in the right direction.
I gathered this information from my wife who has been in the mortgage lending business for nearly 25 years now.
If you need further guidance or advice let me know.
Best of Luck,
Ph (480) 220-7491
Fax (866) 711-8573
Keller Williams - Scottsdale, AZ
2008-2009 Master of Real Estate award recipient