Can you help this SFR buyer?

[Buddy Chou]

I have a buyer who I am told by his current lender that his score is high enough to qualify for a conventional loan.  I would guess his score is around 630. He was placed in a conventional loan because his wife's score was very low, probably less than 500.  We do not need the wife's income to qualify.  It appears that the problem that they had a BK 13 that was dismissed in Feb. 2016 and not discharged.  The current lender says that he needs 4 years from time of BK 13 dismissal to do the loan.  Is there anyone out there who can do a loan with 3 years from time of BK dismissal?