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in 2002. In 2008 medical issues and huge medical bills forced us to declare bankruptcy and the house was foreclosed on. Wells Fargo filed in January 2009 and never followed through with the court until I called the attorneys and WF many, many times. The court finally finished the procedures in February 2010. (If the so called loan modification department would have offered us what they finally sold it for we could have kept it.)

We have been renting and saving money for the time when we could buy another house. We are looking in a much lower price range since my husband can no longer work.
Should we be looking for something in a rent-to-own property or a land contract purchase? When could we qualify for a mortgage on a regular purchase? And what kind of loan should we be looking for?