I know the guidelines for FHA requires two years post discharge and conventional is four years, however are there any lenders in IL who will offer mortgage loans prior to this? Nova Home Loans will do six months after discharge, but they don't offer this program in IL (only AZ and CA).
I realize my rate will be slightly higher, but since we plan on putting 40-50% down, I'm confident we can refinance in a couple years at a better rate.
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