The best advise is to find a lender you trust and start working with him or her. Your lender can guide you in the process that is involved.
Best of luck.
801-915-3334 Mobile on this program that just came down: FHA Trims Waiting Period for Borrowers, Who Experienced Foreclosure: The Federal Housing Administration (FHA) is allowing borrowers who went through a bankruptcy, foreclosure, deed-in-lieu, or short sale to reenter the market in as little as 12 months. you can read more at my website: http://www.affordableutahhousing.com. You may just meet these requirements and be able to own your home this year. Let me know how else I can help..
I am sorry to here that you had to do this but there is a time period that you have to wait, please don't feel alone there is other people in the same position that you are in. I would strongly recommend that you talk to a lender and go over what is on your credit bureau so that you have thing in place when you get thing in order. A lender can guide you and help you correct any other issues while you are waiting.
Please feel free to contact us if you need any further assistance