Getting a Loan with a Recent Foreclosure

Not through any conventional methods. Fannie Mae, Freddie Mac, FHA all prohibit. With solid income and assets, you may be able to approach a local lender with a good story and get them to take a chance on you - but it is back to the old school "put on your best suit and go have a meeting with the banker" type lending. Expect high rates, possible balloon payment or short term. Make a case - show up with as much documentation as possible as to why it happened, why it was not your fault, and how they can tell that it isn't going to happen again.

I've seen banks lend if the f/c was due to death of spouse, or in one case when the borrower's son had passed away after requiring round the clock home care for like 10 years, and borrower was working again . . .but f/c isn't taken lighly.

You may need 20-40% down, or more.

Not through a conventional or government loan. FHA requires at least 3 years from the sale date, which is the shortest. Note this is also not the date foreclosure started, it is the date the property is sold out of foreclosure. The overall situation sounds positive, however lenders will look very closely at someone who has had a foreclosure, especially that recently. It may be possible to find a local portfolio lender willing to give it a shot, but that is pretty unlikely as well as they tend to be stricter than Fannie/Freddie/FHA, etc.