That is like saying what will the prices be and what interest rate will there be in 3 years. There are so many factors that effect prices, interest rates and mortgage programs, there is no way to answer your question. Your best bet would be to talk to a Mortgage Banker or Bank to have them help you with a plan as to what your might need to do regarding your credit, since that is a big factor on what will be available to you. Remember that the 3 years is based on no other derogatory items on your credit.
Let me know if I can help