What about being in chapter 13 for more than a year

More info needed, but in general, There are lending options available to you if you have made the past 12 payments on time. You would need to have your BK trustee approve the refinance, and you would need to meet all other lending eligibility requirements such as minimum credit scores, loan to value requirements and be within the allowable debt to income ratios.. but there are programs available for you.. Give me a call and I'd be happy to help... I'm a preferred Lender with California and Arizona being my primary markets. 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 NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

William is correct!1) you have options!2) the rate and terms are not going to be the best.3) Thinking of the loan as a short-term options that you have refinance out of in a few years is your best way to proceed. If I can be of further assistance please do not hesitate to call, email or even text.Mel S.BakerArcstone FinancialNMLS 680541(310)985-9778