There are several lenders that are starting loan programs for people in a similar situation to yourself. They are giving people loans as soon as one year after a foreclosure, short sale or BK filing. They are mainly looking at your current debt to income ratios, income and assets. I would be happy to direct you to a couple of different lenders that might be able to help you.
I would be happy to help you with your home search I am a licensed agent in this area and have lived in Valley Center all my life. I also have found out that you can qualify with FHA if you have kept your credit un good standing since 2008 even if you have had a bankruptcy. In the lending business it is called seasoning. If you need any help please feel free to give me a call 760-533-5347. My name is Trisha and I can also put you in contact with a great lender as well. She was the one who helped me with my home loan.