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How soon after a bankruptcy can I refinance my home?

 

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Question:

Can I refinance my home after a bankruptcy? How soon after a bankruptcy can I refinance? I have heard that I have to wait 2 or even more years since my chapter 7 discharge.

Answer:

Firstly you do NOT have to wait 2 years to refinance after a chapter 7 discharge, those are for Fannie Mae loans. You can refinance a chapter 7 a day after discharge. A chapter 13 can also be refinanced before discharge since it's on a payment plan for 3-5 years from filing date. You can get a chapter 13 refinance as little as 12 months from filing, not discharge and you can payoff your chapter 13 in the process if you have enough equity in your home. There are key differences between a chapter 13 and chapter 7 refinance but that is for your mortgage broker to be aware of. You will be ok you’re your low FICO score but you will need a specialized broker who understands how to do navigate the bankruptcy situation.

By the way, if you refinance before your 37th month of bankruptcy (within 3 years), then you will be liable for repaying the unsecured debt that you filed for. If you can hold out till the 37th month you can refinance and not be held responsible for that back debt. You can have the lender refinance all of your current debt; this includes your filed bankruptcy that you pay currently on through your trustee and the unsecured debt that you had discharged as well as new debt.


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2013-03-16, 18:31:50
anonymous  
I'm on a ch13, never being late with the trustee, have 150k equity and have made 6 figure salary for very long time. Nobody I talked to wants to even consider my refi from 30 to 15. Paying off early this month, TrustCo Bank told me to call them with my credit score after the discharge as they don't sell their mortgages so we might be able to do something with them, but I must get the dischage first.
2013-05-10, 00:02:58
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2013-05-10, 00:02:58
anonymous  
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2014-05-26, 19:34:50
[hidden] from United States  
We would like to refinance our home we have been discharged on May 10 can we still refinance our home? We owe taxes for 2 1/2 years and trying to catch up and we are needing to refinance to save our home.
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