refinance mortgage after chapter 13 discharge

REFINANCING MORTGAGE AFTER chapter 13 discharge – Q&A – Avvo – REFINANCING MORTGAGE AFTER CHAPTER 13 DISCHARGE We have completed our Chapter 13, and are awaiting the discharge papers. We have a mortgage at 7.10% interest rate and would like to try and refinance..

Rising Credit Score but Rotten Credit Report? How That Affects Your Loan – "Ultimately, the approval process is different for each applicant and lender," says Carla Blair-Gamblian, a consultant at Veterans United Home Loans, a mortgage brokerage. typically after seven.

If what you still owe on your first mortgage is more than what your home is currently worth, you may qualify to lien strip your second mortgage. You will have to file for bankruptcy, although under.

This is important because some judges believe that you can only eliminate a second mortgage if you can discharge that debt in the bankruptcy. After the completion of the typical Chapter 13, any.

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4 Myths About Getting a Mortgage After Chapter 13 Bankruptcy – Understanding the following myths about getting a mortgage after Chapter 13 Bankruptcy can help you achieve your goal of home ownership much faster. myth #1: You must wait two years from the discharge date in order to obtain a mortgage after Chapter 13 bankruptcy. This is a common misconception although it does have some truth.

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New FHA Loan – After Chapter 13 Discharge. Asked by Rob H, Bethesda, MD Sat Aug 25, 2012. I understand the FHA rules require two years (post-discharge) for a Chapter 7 filer to apply for a loan. However, for a Chapter 13 filer one year of on-time payments is required and the court’s permission to enter a new loan.

How soon can you qualify for a mortgage after bankruptcy? Why am I having a hard time refinancing after bankruptcy. – Additionally in chapter 13, the case is typically not closed until five months after you receive a discharge. This means that a chapter 13 case is technically open and active for up to 5 1/2 years, all the while impeding your credit score and your chances for qualifying for a refinance or new mortgage during that time.

How to Refinance After a Bankruptcy – Ocean Lending – What Home Loans can Help me Refinance after a Chapter 13 Bankruptcy?. If BK was due to Extenuating Circumstances, 2 years from discharge date.

FHA loans have a similar waiting period of two years or, if the bankruptcy was a Chapter 13 bankruptcy. to your mortgage without refinancing, you can add your spouse’s name to the deed, which gives.

How Quickly Can You Refinance After a Bankruptcy? — The Motley. – "How can I refinance my mortgage in a Chapter 13 bankruptcy?. of two years from the discharge date or four years from the dismissal date.

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