Mortgage loan after foreclosure with credit scores in the 800s

The best "standard" program is FHA, allowing you to get financing with just 3.5% down after 3-years. There is an exception at 2-years, but to get it, you could NOT have had ANY late payments on your mortgage or anything else in the 12 months prior to your foreclosure. Assuming you've met the time requirement, the two biggest obstacle I see is the lack or re-established credit, and your credit report is still a mess. Increase your approval odds by reviewing your credit report, making sure everything is reporting correctly. Buying in MN or WI? Visit www.MnBestRates.com

3 years for FHA but we have programs that will do 2 years with strong circumstances and being restablished with rental history.

2 years under FHA, with an exception for the reason you lost the home via foreclosure. 3.5% down if FHA qualification, or up to 35% down using private funds, as they only care about the property value, not your credit or history

3 years for FHA is the typical time but on an exception you can get 2 years.