I was foreclosed on and want to buy a home again.

FHA loans are the most lenient on past foreclosures. Generally speaking you have to wait 3 years from the day your foreclosed home was sold. If the home that was foreclosed upon was an FHA loan the 3 year period starts the date that FHA paid the prior lender. There are certain exemptions to the 3-year wait period, which include serious injury or death, divorce, or job loss. For conventional loans, the waiting period can be anywhere from 2-10 years, and can be shorten based on the size of your downpayment.