VA loans, what are the chances?

The VA home loan is the most liberal, however once the Foreclosure has been DISMISSED/DISCHARGED you will need 2 perhaps 3 years of solid payment history. On very rare occasions VA may make an exception but keep in mind your Certificate of Eligibility earned from your service means VA "guarantees" the loan. Therefore, it wouldn't heart to visit your local VA office and seek a waiver or exception from the lender as perhaps there are circumstances not communicated in your question.