What are the stipulations on loans after bankruptcy?
48 months from discharge date for Fannie/Freddie, 24 months for FHA deals, and 2 years for VA.

Refinance a rehab house for cash out
you are over 12 months seasoning so current value will be used

Does every lender do a VA home loan?
Not all, but a lot do. I've got 3 in process right now in CA. 916-640-7839 or aclowes@envoymortgage.com for more info

Before HARP2.0, what is the highest LTV I can get a Refinance for?
First off do not miss any payments ever. If you're a veteran you can refi to 100%, if not FHA will allow 97.75%, and HAPR1.0 will allow a refi with no LTV requirements. Have you applied for a refinance and told you were not eligible for a DU REFI PLUS (HARP1.0)?ACaclowes@envoymortgage.com

How can we find out if our current loan is Fannie or Freddie? Can Lender411 help?
http://www.fanniemae.com/loanlookup/ https://ww3.freddiemac.com/corporate/