poor credit credit card offers

My credit is fundamentally flawed. What are the options available to me where I can get a mortgage?
I lost my home through foreclosure 10 years ago and I am in default on student loans. I have no credit card or other loans than my car loan. I have a healthy balance of checking and savings. How I can get into a house in the near future to allow me to enjoy the time relief prosecutor offered to new owners?
creditreport.fateback.com – Try this service to increase your credit score before borrowing. After credit repair you can get the minimum interest loan.
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