Can you answer a few questions regarding home refinance?

There's' just so much info missing it's hard to say, but in general, we would need to know which type of loan you currently have, and when it was originated... FHA? VA? USDA? Conventional?? each have different guidelines.. but because of the recent BK, and having 2 mortgages discharged (2nd & 3rd), if those mortgages show "settled for less" then you might need to wait 2 to 3 years before applying... if your current loan is FHA, then you might be able to streamline refi once your BK is discharged,,, but again, so much info is missing, I just cant answer your question.. .. 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

Wait. You may find it difficult to refi, due to the BK. Your current rate of 5%, is historically low, even with the lower rates available with good credit.

Your BK does need to be complete.

Bill, With a clean title report that the second and third are removed from the security of the title AND with the court's and trustee's permission we can move it forward now if no payments have been missed and with a credit rating on making your payments...highly probable.....let's discuss and documentI am a Mortgage Banker in metro Phoenix, AZ. I lend in both Arizona and California where I will be pleased to help you. If you or someone you know is looking for financing options, please feel free to contact me or pass along my information. 623-340-0934 Korene Clopine-Seaman NMLS # 218520 KLCSLoanTeam.com We are Direct Lenders, WE CLOSE LOANS!

I would need more information to see if it even made sense to refi. With your rate at 5% I would say that it may not be worth it. Need to know loan size, etc.