Visit with any licensed loan officer; a determination on mortgage qualification can only be made once he/she reviews your overall financials; however depending on just how bad your credit is, it may be in your best interest to continue raising the score and saving additional money.
Definitely get in touch with a lender who can guide you and get you moving in the right direction. The first step is knowing where you are so you can reverse the damage. Depending on how long ago your foreclosure was you may have to wait so use that time to rebuild your credit. Please look back at my past answers on how to best do this.
Let's get you in touch with a qualified lender to assist you at this time. Much more information is needed before your questions can be answered. I sure you would enjoy the privacy of a personal one on one conversation.
If you want, I can get you in contact with a loan officer willing to help you work through some issues.
As a real estate Broker - I am unable to answer that question. Also, I am not tied to any specific mortgage professional who can help you with an analysis of your situation. If you would like to call me on Monday (210) 651-9300, I will give you 3-6 names of mortgage officers who help with my Realtors needs on occasion. Thanks for your question and allowing me to respond.