any way to get new mortgage less than a year after foreclosure?

You will need to wait a certain period of time, which would likely be at least 2 years from the foreclosure sale date. You'll need to then qualify based on time, DTI, credit score, etc. A compelling story to substantiate your foreclosure may be very helpful, so if you want to reach me offline, I could refer you to someone locally who could be better able to help you. I am in Massachusetts as well!

FHA has the "Back to Work" program.. under this purchase product, you have to have 12 months with no late payments on any obligation after the foreclosure has been completed.. The date the lender uses is the date the property was taken out of your name, not the day you moved out or when you notified the lender, but the actual foreclosure date.. You also have to prove a 20% reduction in income and it was that reduced income that was responsible for your default.. you also cannot be taking advantage of the market.. Example.. you foreclosed on a 2500SF home where you owed $300K, but your new home is 3000SF and priced at $250K. This would not be allowed since your purchasing a bigger home for less than your previous home and would be considered "taking advantage of the market".. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

William gave you a good answer. Follow his lead.