How do you know when to buy?Here is my scenario:-fairly high income and would like/need tax credit-pay around $1000 / month in rent-married with stable job history-net income around 150k-foreclosure 3 years ago, moved across country for work and bank wouldn't allow short sale. (House in Arizona, had depreciated to less than half of note)My questions:1. How do you know exactly how long since your bank officially foreclosed on your house? I haven't lived in the house in over 5 years, but much of that time was attempting to short sell while I was still current on payments.2. We still have 30k in student loans that we plan on paying off by December. Would it be better to continue paying them off aggressively to lower our debt to income ratio to just our cars, or start paying just the minimums to have a 20% down payment for a house and longer revolving credit on our credit history?3. I've read the zillow list of FHA loans pros and cons, but is there any advantage to putting 10% down and getting a conventional loan (over the 3.5% down FHA government sponsored loans)? The financial difference seems minuscule... am I missing something? 4. I bought a car 1 year ago, put 5k down and did not need a co-signer or any assistance financing it (they gave me 0% APR), I was surprised that my foreclosure was not on my credit when they pulled it. Is this something unique for car dealerships? Should I check my credit report to see if the foreclosure is already gone or could this just be a fluke in 1 of the 3 scores?August 19 2013 - Birmingham00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.