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I'm sorry to hear about your issue.
Have you thought about going FHA? I believe the rules are less restrictive for a foreclosure....3 or 4 years.
i didn't know there was a specification, but that may be the case....i'm not sure. good luck!
Just wanted to let you know that for a FHA loan, you only have to wait for 3 years. I deed my last home back to the bank in 2009 and I am currently in the middle of a home purchase right now. As long as your DTI ratio is low, improved your credit score, have enough to put down and or pay the closing cost, and shop for a home within your DTI ratio, there shouldn't be a problem. My mid score pulled is a 650 and you will need atleast a 640 to qualify for 3.5% down. So don't give up, there is hope and a 2nd chance out there.
That could also be a lender specific overlay... as far as I knew, conventional loans only required a 4 year wait after foreclosure.
Yes, everyone above is right - the criteria for FHA is 3 years from the date the deed transferred from you back to the bank. Make sure you bring that info in to your mortgage broker or mortgage banker. By info, I mean a copy of the deed going back to the bank. You will see it on the public records for your county where the proprty was located.