My ch. 13 bankruptcy was discharged in March 2010. Prior to my BK, i had a FICO above 800. Since discharge, I have maintained good credit (665 FICO) and no late pays on car, mortgage, or one credit card (that was in husband’s name and not included in my personal BK). Do I have to wait until March 2012 — 2 years after discharge — to refinance?

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After Chapter 7 bankruptcy, (not to be confused with Chapter 13 bankruptcy rules) the borrower must wait out the FHA’s minimum "seasoning" period. At the time of this writing, that period is two years plus any additional amount required by the lender.

FHA Loan After Bankruptcy . The FHA rules state that you must wait at least 2 years after filing a chapter 7 bankruptcy. Some banks may require a longer time to pass, but many FHA lenders will approve an application only after 2 years. For a chapter 13, you only need to wait until you have successfully made 12 months of payments.

You can refinance your current mortgage after a chapter 13 bankruptcy discharge, but getting approved for a new mortgage with decent terms takes planning and time. The refinancing lender you are.

Can I get a home loan 1 day after chapter 13 discharge? With what company? Find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.

One can find a guide on how to refinance a home after a Chapter 13 bankruptcy on various websites like Homeguides and wikiHow. Both websites offer a great amount of information about all kinds of.

If you have declared under Chapter 13, you may be eager to refinance your home. In doing so, you should pay close attention to what the mortgage companies are proposing and whether you will actually benefit from refinancing. It is a good idea to research companies offering refinancing during Chapter 13 and analyzing their track records with consumers.

At the closing, you sign the loan documents and the title agent pays off your current mortgage. You now have a new mortgage with a new payment to help you turn over a brand new leaf after filing for bankruptcy. You should know that there are many stipulations you may have to meet in order to qualify for the refinance after a Chapter 13 Bankruptcy.

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