Did a mortgage professional tell you, you had to wait an additional 2-3 years to own a home? They unfortunately, misinformed you. It's 3-4 years post foreclosure depending on the loan (conventional of FHA). You have cleared the time frame for either program.
If you would like free help to boost your credit scores please visit my blog here on Trulia, or go to our website.
Best of Luck & Have a great day;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Making home ownership more than a dream...
Retired Mortgage Banker