HARP Program

HARP guidelines do not prohibit you from applying, however most lenders will not allow a conventional refinance while still in a BK 13. There are some lenders out there that might, but most will not.. .. 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

We require 2 years, it depend on the lenders overlays but is not prohibited by Fannie Mae HARP guidelines

Good afternoon. As William mentioned, this will be on a lender-by-lender basis but is not prohibited in theory by Fannie Mae HARP guidelines. Speaking only for myself, we will require a wait period of 2 years from the discharge date and/or 4 years from dismissal date. We are a direct lender, licensed for business in California.If you would like to speak in person about this, I am happy to be a resource to you. My name is Brian Kimball, and I work with Summit Funding, Inc. My direct line is 714-619-5609 and my website is: www.brian4homeloans.comPlease feel free to reach out to me if you would like to discuss further. Have a great day!

Your "path of least resistance" would be to pose this exact question to your Lender/servicer of your loan.

BK 13 Trustee and creditors must approve, and you must satisfy HARP lender.