Can I refinance after not reaffiming my loan in a chapter 7 bankruptcy?

This is where the term "the wheel's go round and round" comes from.. Your BK attorney advises you NOT to reaffirm your mortgage, and the lender won't lend to you unless the mortgage WAS reaffirmed.. So your caught in this cycle that does not end.. You cannot go back in time to reaffirm a mortgage in a BK if it's been discharged, so your kinda stuck.. This may sound stupid, but you could sell your home and purchase another one, but for most lenders, you will not be able to refinance the home with a non reaffirmed mortgage.. I'm not saying no lender will do it.. It's just MOST will not.. Our company deals with 20 different lenders and none of them will do a non reaffirmed mortgage.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

If you have NOT been making payments, due to the bankruptcy, and you need to remove your name from title, and the debt obligation was canceled in the Chapter 7 action, contact me for a possible solution; Dave at primefinancial@frontier.com

Hi Dave,As a chapter 7 does not include your mortgage, I don't understand why you are being told to "re affirm".General FHA loan program guidelines are re establishing good credit and 36 months from your dischage date.I hope this helps!Sincerely,Holly BarreroCaliber Home Loanswww.caliberfunding/hbarrero