Trying to buy a house

Sooo, hubby & I have some things in collections that will be paid off in full as of october 16.. We spoke to RBC bank & she basically told us that they won’t give us a mortgage for a year maybe two after we pay off our collections in full, regardless of credit score. is this the same as other banks? Would it be worth it to go to a different bank or mortgage broker. We understand that we will need a certain credit score (which we are working on & it has been getting high pretty fast considering) & we also know we will want to put down a 20% down payment, if not more. Any suggestions on other places to try? (Alberta canada)