<prompt> Human: Long time lurker first-time poster.My sister lives in the Us, she doesnt work is married with 2 kids and her husband works for the army has to do with Intelligenz, he earns between 100k to 200k, and they are looking to buy a house, they got pre-approved for 500k by the bank.Now here comes the juicy stuff, he doesnt strike me as a person who knows how to manage their finances, a couple of years ago he filed for bankrupt apparently he failed with a business idea so his credit score plummeted.They were explaining to me how happy they were when they got pre-approved but didnt tell me at which rate or were very specific. Today I was talking to my sister and I ask her about it and she told that wasnt a problem anymore hence the 500k and she said the rate is something less than 1, I quote the rate is really low like 0,7 and this is because the husband works for a branch in the army so he gets some kind of discount.Now that seems very unlikely but I dont know that much about how it works in the army, and I really care about the future of the kids, so the next time I talk to them I would like to be prepared to maybe help or open their eyes if necessary. Do this kind of deal exist and how long does it take to fix your score to get a better rate?  <response>: I seriously doubt that they got a 1 interest rate. Your sister is probably mistaken.VA loans right now are 4.5. 