If you have a steady income and had a good credit rating before the current hardships, it makes a big difference in reestablishing your credit. The most likely scenario is that you may need to pay a higher rate.
Check out the current rates on my Web site to forearm yourself with the knowledge of how a lender's offer compares to the best rates available. Then use the link to the Bankrate.com search to find some lenders, and shop around for what you can get. Don't forget to talk to your own bank's mortgage loan department, and call around to some local mortgage brokers too. When you contact them, ask that they pre-qualify you.
Please let us know how things work out for you.
Do you have VA eligibility? We just closed on a client on Tuesday on a VA loan and her credit score was 540.