At a year after chap. 13 discharge and have house worth 150K but only owe 70k. is there a chance i'll be able to refi before 2yrs

If you have a strong need for cash out, we may be able to loan you up to 70% of the value of your home. This loan will be at a rate similar to those in effect in 2005-2008, and will be based on your income and debt load, more than your previous credit. For more information, contact me at primefinancial@frontier.com