I have a question regarding FHA loan requirements. My wife and I had some late payments earlier in the year, in the March timeframe due to serious financial distress because of an ongoing chronic illness. Is it possible to get an FHA mortgage despite those late payments? At one point we were in foreclosure but were able to work our way out of it and have been current ever since. Is it possible to get any mortgage with this on our credit reports? Is there any mortgage company or bank that can get past the credit reports due to real uncontrollable circumstances? I was told FHA required 12 months of ontime payments to qualify. I'm not interested in sub-prime.