Hi hello60! Welcome aboard! 
First, the scores that you get from the free credit report place are not genuine FICO scores (the scores that lenders actually use). We call them FAKOs, because they are consumer credit scores-- they just have no corelation to the Fair Isaac's scoring model that the vast majority of lenders rely upon. Here, on this site, you can buy your Equifax & Transunion FICO score. You can no longer obtain your Experian FICO score without the help of a lender (your mortgage lender would have provided you with your actual score) or unless you belong a specific credit union in Pennsylvania.
A couple of great places to start understanding your FICO score are in my signature line (below). Credit Scoring 101 and Understanding Your FICO Score. The 2nd thing that you need to do is pull all three of your credit reports from annualcreditreport.com. You will get your full, detailed credit reports from the three major credit bureaus, and have a much better idea of what (all) you're dealing with.
You'll need to go over all three credit reports, first highlighting any errors (derogs reporting past the 7 to 7.5 year CRTP, accounts that don't belong to you, etc...). Visit our Rebuilding Credit forum and list all of your derogs (lates, collection accounts, charge-offs, public records, etc...), with all of the account detail minus any personally identifying information (leave out your name, your account numbers, etc...). You'll be amazed at all of the help that you'll receive in understanding the best way to go about addressing those baddies that are holding your score down.
A foreclosure is a major delinquency. It will be reported for 7 to 7.5 years, and will hurt your score for the full length of that time. Unfortunately, two years of perfect payment history doesn't remove from weight the "major account delinquencies" that are still reported. And, having paid any majorly delinquent accounts does not remove the derogs from your credit report. 
Another thing you hit upon was your revolving card usage and utilization. Reading Credit Scoring 101 will give you a very solid understanding as to how credit card utilization factors into your credit score. Ideally, you want your overall utilization (across all cards) and single card utilization to *report* no more and 1 to 9% of your credit line. Additionally, you want less than half of your cards to report a balance period, to maximize the aspect of your FICO score that weighs your utilization.
The most important thing that I want to impart is that it takes time and patience to repair and rebuild. Do some reading and ask lots of questions. There may be some immediate things that you can do to get you to the minimum score that you need for a mortgage, while other things may take more time and dilligence to tackle.
