refinance if co-borrower had bankruptcy 6 yrs ago, and has since walked away from the home

You need to seek out a local mortgage broker, and ditch your current lender.. They are clueless.. if you were both on the loan, and she filed BK, but did not include the home, then you should be ok.. if she has since walked away from the home, then that's ok too.. So long as she is willing to sign it over to you.. The lender might require you show that you have made the payments on your own for at least the past 12 months.. if you have been making the payments, all along, then you can get her removed from the loan and refinance.. this is assuming your in negative equity position and your loan is owned by Freddie or Fannie and qualifies under the HARP 2.0 program.. if you have equity of 20% or more, then you can refinance with or without HARP 2.0.. The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet 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

Another story of someone told something wrong by an unlicensed bank application clerk. You have potential options. You need to speak with a licensed loan officer like myself. Click my name to the right for more information. I am right here in St Paul, MN

The person at WF who told you that is wrong...typical though for someone at a large bank with no knowlege to speak out of turn sadly. The bankruptcy was not yours and therefore does not affect you. So long as you are able to qualify for a new loan on your own, meaning good credit, income, low debt ratio etc, then you can certain refinance in your name only. The trick will be that you are going to have to get your former partner to sign off at closing if she is still on title, no way around that. Contact a local mortgage broker to help you with the refinance and a real estate atty about getting her off title. Good luck.

Of course you can refinance your loan. As long as your Debt to Income ratio is within guidelines, your credit is up to par and you have a stable employment history you can take advantage of today's historic low rates. If you are interested I can shoot your information over to 40 different lenders and get answers to your specific scenario, just shoot me an email at jeremyr@newhomemortgagemn.com.

If you are trying to remove the former partner you will need to have a complete underwrite of the file but that persons BK should have no effect on you or your approval. Even if you do some kind of streamlined program and leave the partner on the loan unless there have been major problems with their credit post BK you should be fine