2-1/2 years into Chapter 13. All payments on time. In Portland OR. Any lenders refi?

Hi Dawn,I am a Senior Mortgage Banker here with CBC National Bank in Maryland. We have the ability to lend in all 50 states. We may have a program to assist you with your refinance. I would need to speak to you to discuss your scenario in more detail. Feel free to give me a call. There is no obligation to the quote but via our conversation you will at least be able to determine what course may work best for you.JIrons@CBCNationalBank.com 443-721-1526.Thank you for your post.

Is it discharged yet?

Dawn, you should be good--typically lenders like 2 years from the date do discharge.Kirk Fillman(503) 551-0446NMLS 997418

You would require the bankruptcy trustee to approve, after the approval of all other creditors. Very difficult.

Is your Chapter 13 still active or has it been discharged?

We can do a Chapter 13 buyout if you have enough equity in the home.

You qualify for an FHA refinance, with your Trustee's permission, as long as you haven't had any late payment on any other debt obligations. You can refinance your house, and pay off the chapter 13, or refinance your house and leave your bankruptcy open (you'd be changing the interest rate and term of the mortgage).