My credit is basicaly poor. What options if any are available to me that would allow me to get a mortgage loan?

I lost my home to foreclosure 10 years ago and I am in default on my student loan. I don't have any credit cards or any other types of loans other than my car loan. I do have a healthy checking balance and some savings. How can I get back into a home in the near future which would allow me to take advantage of the one time new homeowners tax break that is being offered?My credit is basicaly poor. What options if any are available to me that would allow me to get a mortgage loan?
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Good luck on that; I don't think it's going to happen. One of the main reasons the country is in the mess it's in is due to banks and loan companies giving loans to people with poor credit. Perhaps you could get a mortgage with a huge down payment. The only way to find out is to apply for a pre-approved loan. If I were a financial institution I wouldn't give you a loan. You don't seem to be very responsible. I would be more impressed if you worked on paying off that student loan %26amp; when that's paid try for a mortgage. In the meantime, think apartment living.