You can get home loans from various sources. For example, if you have a family member or a friend who has money in a CD earning 1%, you might be able to have them put the money up for your home loan and then you pay them 5% or 6%. It is a better return for them as well as helpful to you.
You might be able to find a home you like where the seller will carry financing for you. You would give them a down payment and then make monthly payments to them.
You might be able to do a lease option
You might be able to do a rent to own
There is typically a wait period after a foreclosure and depending on which type of mortgage product you choose, or get sold will determine how long that wait period is.
Obviously, the correct thing to do would be to work towards homeowner ship. This would start with improving your credit rating, get a large down payment saved up, make sure your tax returns are in good standing, then apply for a mortgage product to find a good quality product that suits your needs, and then locate a suitable home. This of course is boring and takes hard work and planning, something so few are willing to do these days.
I hope this helps! Good luck
Hannah Fliegel, FICO Pro