Hi, Cynthia! It sounds like you have a lot going on there, but we're here to help! The foreclosure and repo will definitely factor in a lender's decision, but they'll need to know the date that each was officially filed. Your credit score itself isn't bad, and you have a decent down payment. Your next step would be to speak with a lender, and I work with some great ones here locally in the upstate. A phone call is enough to get some answers. We're not allowed to advertise here, but I'd like to point you in the right direction. Just click on my profile and I'd love to get you to the right place!