getting a home loan before the three years after a chapt.7 bankrupcty discharge with home included?

had a chapter 7 bankrupcty discharged june 2010 that included our home. the home foreclosed 8/2010 and deed in lieu 10/5/2010. we have been renting for three years this may and have raised and mainted our credit score 680+ and have alittle bit of savings for down payment..we were under impression at 2 years you were eligible for a new home loan but now are finding its threee years from foreclosure date ? anyone know any lender in florida or that can lend in florida with our circumstance..? thank you by JAPJMP_652_572 from Sarasota, Florida. Jan 20th 2013 Reply