So My Credit Sucks...

And now I have to figure out how to get it decent enough to qualify for a loan thru FHA. Their requirements say at least 3 yrs after a foreclosure, or 5 yrs after a bankruptcy. The question is, 3 yrs from when they filed, or 3 yrs from when it was final lol. I'm guessing from when it was final, which puts us at June/July of 2011. A little over 2yrs from now. So that gives me 2 yrs to clean up our credit and put aside a minimum of 3.5% of the price of whatever house we plan on getting, plus closing costs, and whatever little incidentals. We dont plan on spending more than $100,000 on a house, which means at least $3500 for downpayment, plus at least 3,000 for closing and extras, probably closer to $4000. Can I do this? Yes, I think I can.
And if we wait til we get taxes back in 2012, we'll have a little extra besides what we have put aside between now and then. Now I just need to figure our budget and start setting money aside where we can't mess this up.