I filed bankruptcy chapter 13 2005 it finalized 2007 filed for Harp on Dec. 2013 was denied said my mortgage hadn't been settled.

HARP is meant for homeowners who have a Fannie Mae loan and are underwater on their mortgage. When you mentioned 'settled', it appears you have had issues in making your mortgage payment in the past or are currently behind in your payment. You will be denied if you are not current on your mortgage payment. The bankruptcy should not be an issue as you would be able to refinance your Conventional loan 4 years from the discharge date. The advantage of HARP is being able to refinance with no equity. You do though have to be current on your mortgage and have a good credit rating.

Try contacting a local mortgage broker.. when you file BK, the lender stops reporting your payment history on your credit report.. some lenders just wont do a loan if you did not reaffirm the loan after a BK.. but most will.. by using a mortgage broker vs. a bank, you have an advantage since he works with numerous lenders with each one offering a different set of lending programs.. the more lenders the more lending options and the greater likelihood your loan will be approved.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

It also depends on the status of the mortgage. Usually a CH13 you will make repayments but if it is not reporting as current that will cause a problem. 18 months later it's time to let an experienced lender look at options for you again.