Bought 18 months after a discharged bankruptcy — a B-lender purchase with an exit to A

Most A-lenders look for about two years post-discharge with clean re-established credit. At 18 months out, the clients didn't yet meet that guideline — but they'd done the rebuild right and were tired of watching prices move.

A bank declined on the timing alone, despite strong income and clean recent credit.

We placed the file with a B-lender that accepts a discharged bankruptcy with re-established credit and a reasonable down payment. We documented the two clean trade lines, verified income and employment, and confirmed the discharge was reporting correctly on both bureaus.

We built it as a bridge, not a destination: a short B-lender term now, with a written plan to refinance to A-lender pricing once the clients cross the two-year mark with clean credit — subject to lender approval at that time.

The clients bought roughly six months sooner than the wait-and-see path. The B-lender rate is a real, temporary cost — offset by getting into the market before further price appreciation, with the A-lender refinance mapped for the moment they qualify.