Has anyone been able to secure a new FHA loan after a bankruptcy and foreclosure with extenuating circumstances? I keep reading about it but I am wondering if anyone has ever done it. In my opinion divorce was a catastrophic event for me as I went from a dual income to a single income household. Once my ex filed bankruptcy I really didn't have any other options. I still tried to workout a loan mod with the bank. Got a promotion at work so I could afford the payments but it was too late and they started foreclosure. Now I would really like to be able to purchase a home again in 2013. But the 3 year foreclosure rule will ruin this for me. With re-established credit and a nice down payment would I be able to purchase a home with FHA?