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I was told that the national lenders won't even look at us until the discharge is two years old. Is there any hope for us to get a loan?

You may want to ask your question over on the "Buying or Selling a Home" board <>, which has a couple mortgage brokers who participate daily. Since they deal with such issues in their work, they will be able to give you the straight answer.

I have also heard about the "two years after bankruptcy" guideline, and then one could potentially qualify for a subprime mortgage. However, it is better to get the information directly from someone who deals with these things every month--the information would be current and would reflect today's availability of mortgage products.
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