Need to refinance after a Chapter 13 Bankruptcy discharge in Nov 2012! 9.75% HELP! Chicago...

You may qualify for FHA Insured Financing. Send me an offline email as I would need to get more details from you. Thank you!

Assuming you made all of your plan payments on time, the bankruptcy should not be an issue for refinancing an FHA or VA mortgage. Most conventional lenders will require you to wait longer. I can help. We have an office in Chicago and I can connect you with them. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Most cases will require a 2 year wait after the discharge date

Like Joe told you, in a lot cases you will have a 2 year waiting period but you can check with several differnt lenders and see if they do not have that long of waiting period.

I think as long as you have had a good pay history with Chapter 13 courts and no collections or late pays on credit since the Bk started, you should fine a lender to help you as long as the income, assets, collateral, title, etc is okay.

Most cases will be 2years after the discharge date. Possibly can go with a VA in a year if you have established credit and can prove the BK was the result of something dire other than divorce and can prove you had stellar credit prior to the determining situation.

FHA allows refinancing of your mortgage after completion of chapter 13. You don't have to wait for 2 years.However, your credit score have to meet minimum requirement. Call me for further questions.Thanks

Pick a reputable, knowledgable lender to work with and follow up. As long as you meet the other qualifications and have some equity in the property you will be able to refinance, but probably only with a FHA loan.