Hello, first I would like to send my apologies that you are going through this. It sounds like you are doing a terrific job on pulling it all back together. There are not any conventional products that will allow for more than 1 30 day late in the past 12 months. There are non prime mortgages available, however interest rates and fees are typically much higher and many times they are on an arm with pre-payment penalties. Since you have 5 months of on time payments, I would recommend waiting a few more months. I would definitely look at your credit now so we can plan for what needs to be addressed over the next 7 months. You can reach me at firstname.lastname@example.org if you have any questions. I will be happy to help you review.