GMAC Mortgage company is who that man pays to. For example GMAC could be the owner of the property, the man rents the property, and he rents it out to your mother at a higher cost for profit. First you need to check if the foreclosure has been satisfied. If that is not the case, and you have had good credit standing since the foreclosure you may have been able to rebuild your credit you can still be approved. You have to remember they look at everything in your credit report and big companys they tend to have the most programs for people with this type of situation. Try GMAC mortgage, CountryWide, PHH Mortgage.