I filed for bankruptcy over a year ago. But I own an house, and its paid for outright. Could I still get an equity loan ?
I would start with a credit union. They are more forgiving if you have compensating factors.

Where are your loans for commercial buildings
There are many banks that do commercial loans. Associated Bank and Bremer both do commercial lending.

I owe 1$180,468.14 on property with a real estate value of $271,200.00.O am currently on a contract for deed at 7% interest.
What type of property is it?

I want to refinance my house I was discharged from chapter 13 on May of this year never missed a paynment on that or my house loan
You can definitely refinance. There are some qualification we need to look at. One is home value. I grew up in and around the Excelsior/Lake Minnetonka area. I would be more than happy to take a look at your situation. Shawn Reese763-390-7182NMLS 218102

Are there any special programs out there in MN for low down payment on a Jumbo Loan?
You are most likely going to need at least 10% down. There are rumors of a 80/15 loan where you are only required 5% down on a jumbo loan. I have heard you end up putting 10% down for a number of different reasons. I would find a lender that you trust and go with his or her advice. I am licensed in MN and would be happy...

How much can I qualify for?
Hello Sandra,There are many variables other than income and debt. It's always good to talk with a trusted lender to find out how much you qualify for.