Can we refinance a mortgage while being under a Chapter 13 if mortgage is not included in plan and always paid on time?

Yes, it should be possible, but more details are needed and certain requirements must be met. Please contact me through this site offline to go over more details via email. Thank you!

It depends on which type of mortgage you have now.. And which product you wish to go into.. VA, FHA, USDA all allow for borrowers in a 13 to refinance so long as they have made 12 on time payments to the trustee... Conventional makes you wait till your 2 years after discharge. If you have a Conventional mortgage now, you can refinance into an FHA but FHA charges mortgage insurance so it might be beneficial to you.. Keep in mind that I'm referring to conforming guidelines.. Often times the lenders have their own additional guidelines, and some won't do any one currently in a BK13.. So to really know for sure, we would need to know your complete scenario.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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

It should be possible, but you are going to have a tough time finding a lender willing, and you will likely be relegated to FHA financing. You will need to have great credit scores (above 640), sufficient equity, meet all of the other underwriting criteria and you will have to have permission from your Bankruptcy Trustee. Start with lenders in your area. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

It's possible if you've been in Chapter 13 for at least a year with a good payment history, have the credit scores to qualify for the mortgage, and have trustee approval.

I am located here in TN. Please give my office a call or send me an email to dicuss.Thanksnancyreleford@homeequitymtg.com615-867-3060

Yes you should as long as you have made 12 payments, but more information would be needed to let you know for sure.Call us or email us at 201-962-3555 or Team@BestMortgageOption.com for ano cost no obligation analysis of your situation.Ask for Michelle or Benny We will find the Best Mortgage Option to suit your needs!You can check us out at www.BestMortgageOption.com

First, you need to check with your trustee, and most of the time , if you rate is going down, they will be ok with it, and just to let you know, they sometimes, it depends a lot on how much more time you have on the chapter 13, they may want you to include more payment to the trustee to pay off you 13 faster i work with quite a few of bk trustees over the last 10 yrs... linda yourloanpartnerforlife@live.com

Yes, as long as you've made 12 on time payments under the Chapter 13 and your trustee OK's it... ... and a lender says OK too.

Yes it is possible to refinance your mortgage while in a chapter 13 plan but you must have paid at least 12 payments { 1 year} as agreed with no late's and also get permission from the trustee.Please call me at 615-335-7301 and let discuss and see if it is possible to refinance your loan.I am a Tennessee LenderThanks Steve

Yes again after 12 months of perfect payments and trustee's approval, if so then contact a local broker maybe someone from this panel tha lenders in TN ands go from there....