I don't lend in California, but i seem to remember you were looking in my area -- NJ. if so, look me up! I'd love to help. I do have a problem-credit VA outlet i can use.
Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me. Also, if you found this helpful please leave me a recommendation if you can!
Brian Nguyen Sr.
NMLS # 659743
I value your feedback, please hit the thumbs up if my reply was helpful. All the best.
Licensed Mortgage Banker
A 10 year wait period seems either inaccurate or perhaps a specific guideline by a particular lender.