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After a Dismissal you can refinance anytime you want, some banks may penalize you for the filing even though you didn't go through with the BK. Just to make it clear a dismissal is when you filed a BK but then withdrew it and never went through with it or the bankruptcy was not approved. A discharge is when you completed the bankruptcy. I work with several lenders that will not penalize you for a dismissal.

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Q: How many days after dismissal do you have to wait to refinance?
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After filing for Chapter 7 bankruptcy, there is a required waiting period before you can refinance again. Both Freddie Mac and Fannie Mae, require a waiting period of 4 years after the dismissal date.


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