40% LTV Mortgage Wanted in Dorset, VT

We are looking for a two year term to get us to the time when we can apply for conventional financing.
Loan amount $250,000.
August 2011 appraisal of $604,000 (certified licensed appraiser).
Cash out with this request.
Foreclosure in June of 2010 (both of us were on the loan).
Credit scores of 670 average (this month).
Debt to Income should meet ratios.
Mortgage is current.
VERMONT property primary home.
I can furnish a more detailed summary, Form 1003, and the appraisal if you think you can find a lender. I believe we will not qualify for an FHA loan until June of 2013.