1. No new car at this time. You dont want any new credit inquires nor more debt on your credit report. It can effect what type of loan you are going to get. As far as the credit is concerned your foreclosure will have to be listed, if it is not on your credit report for 7 years. And yes both effect your debt to income ratios for your credit.
2. At a minimum of 5 years to break even and that is not a for sure thing with how unstable our economy is right now. If your company will pay to list and sell your home or guarantee your selling of your house I would consider it but if not then wait.
3. Depends on how much house you are looking to buy. It will all depend on that.
IMO - I would wait for a bit. Pay off all of your credit cards and your car note. Aggressively go after that student load debt. Save up at a min. 10% to put down on a house on top of having a 6 month savings for expenses in case something goes wrong.
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