He has been discharged and we are finally caught up with all of our bills but we are concerned lenders won't give us the time of day. Yes, there are plenty of lenders that can help you. The downside is you won't get a the lowest rate. Often a lender will put you into a higher rate loan that has a prepayment penalty for the first two years. Usually if you keep your credit good for that two years you can then refinance to a better rate and loan terms.
Lenders really like to see a good solid two years of good credit and money management.
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