im just cominn out of bankruptcy what options do i have to refinance my mortgage

What type of bankruptcy are you coming out of, that is important to know before I can answer your question? Also you can always call me or email me at the following nikitas@nyfha.net or 516-469-6262. Thank you.

It won't be easy and depends on when the bankruptcy was filed and what kind of mortgage you have. If it was Chapter 13 and filed more than 2 years ago, plus the last 12 months we can show on-time payments within the chapter 13 - AND you have re-established credit there may be options depending whether the mortgage was included in the BK. Or, if it is a FHA or VA loan with a good payment history for the past 12 months there may be more flexibility

There isn't enough information to give you a 100% answer, but generally speaking, regardless extenuating circumstance exceptions that no one ever actually gets, plan on waiting a minimum of two-years past the discharge date at a minimum before you'll be able to get a loan, and maybe longer.

2 Years out of Chapter 13 and must be current on credit and can have no delinquencies after the bankruptcy on FHA, in general. You should contact a local licensed mortgage originator in your state to discuss all of the details and they can assist you with your options.

Generally speaking, you need a minimum of two years after the bankruptcy is discharged before you will be eligible for a new mortgage loan, including a refinance. If your bankruptcy was a Chapter 13, then it is possible after only 12 months of on-time payments to the plan. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950