Unfortunately, there are people who may try to take advantage of your financial difficulty.
A broker's compensation may be in the form of "points" paid at closing or as an add-on to your interest rate, or both.
You can qualify if: you are in default and don't qualify for any of the other options; your attempts at selling the house before foreclosure were unsuccessful; and you don't have another FHA mortgage in default.
This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender's origination or other fees.
You can contact your state's Attorney General, the State Real Estate Commission, or the local District Attorney's Consumer Fraud Unit for this type of information.
Do not sign anything you don't understand.