Hi rlb, Since 2 years have gone by after the foreclosure, the credit is great and you have been ready to compensate twenty % or some-more down payment, I think you can validate for a loan. However, the rates will change from one lender to another

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Loan Qualification

I was articulate to one customer who is considering upgrading to a incomparable home yesterday and he was repelled to comprehend which someone with a 710 credit measure and a twenty % down has to compensate .25 pts to get “the most appropriate rate ” available. … Even borrowers with decent credit aren’t defence to higher fees and debt costs.

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Rates have been low but fees have been going up…. | Mortgages Unzipped