Is it possible to get a HARP refinance with a discharged bankruptcy?

Sure... But when was the bankruptcy discharged? www.WI-MortgageBroker.com

Absolutely... The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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

Possibly. In order to get a HARP refinance, you must meet FNMA's (or FHLMC's) eligibility requirements. It is difficult for anyone with a chapter 7 to get approved for a negative equity HARP unless the discharge was at least 24 months ago and you have re-established your credit. In the case of a chapter 13, you will need at least 12 months plus re-established credit. The only way to find out for sure is to try. Work with a local Mortgage Banker/Broker rather than one of the big banks or big national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of MANY lenders, not just those of ONE bank, and can properly guide you. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Yes. Likely as long as you've continued payment, and the lender will verify 12 months history

Yes, however there are many things to check first. Typically if you've made your payments for 12 months on time, and the lender will verify that- we would be able to help.

Yes it is. However, as others have answered a few more details are needed to evaluate your situation. Instead of posting those details here, give me a call and let's chat about it. I'm in Brookfield, WI which is a ways from you, but willing to help. Click on my picture for my phone number or email me at ritchie@trustprovidence.com

The details are important, how long ago, what does your credit look like, etc.

yes.....but it depends on the type bankruptcy and the discharge date.

HI VWiggin, It's hard to give a specific and informative answer without knowing more details. The short answer is YES, if your answers fit the right mold! :) It's 2 -4 yrs from the discharge date depending on other variables...I would also recommend talking to someone local about your options. My office is in Sun Prairie, WI, just a few hrs south of you. I'm happy to talk to you about options and give you some info. Feel free to contact me any time. JENN

more information is needed. but it is possible

Yes, as long as you are qualified to do so

Yes, but how long ago was it.

You bet. It all depends on when the BK was discharged. Have you made payments on time for the last 12 months? I am located in Green Bay if you would like to chat about your situation! Good luck!

Yes, but it depends on what type of bankruptcy (7 or 13) and how long ago it was discharged.

It depends on a number of factors, in addition to the length of time since the discharge. Contact a local mortgage broker for help.

Yes. Others in this forum have specifically answered the question. See Bert Carpenter's answer. If you are looking for a local lender, I am the Branch Manager for Freedom Mortgage in Appleton, WI and would be happy to assist. Please call me at 920-731-3175 or email me at joshua.wachowiak@freedommortgage.comWe take evening and weekend appointments if that makes it easier. We have no application fees.