chapter 7

If you qualify for a HARP refinance (i.e. your last loan was guaranteed by Fannie Mae prior to 6/1/2009), the guidelines state specifically: "Removal of bankruptcy and foreclosure policy: Fannie Mae is removing the requirement that the borrower (on the new loan) meet the standard waiting period and re-establishment of credit criteria in the Selling Guide following a bankruptcy or foreclosure. The requirement that the original loan must have met the bankruptcy and foreclosure policies in effect at the time the loan was originated is also being removed."We follow Fannie guidelines to the letter on HARP refinances. Please feel free to contact me as I am already working on a similar situation and will have current info for you.

You will actually need to wait 4 yrs from the date of Discharge and not the filing date for Harp. With FHA, if there was no foreclosure, then you could refi at 2 years of Discharge.