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Refinancing after a bankruptcyThe time period you have to wait depends on what chapter bankruptcy you filed.

Generally, you are able to refinance 2yrs after a Chapter 7 discharge.

If you are in Chapter 13, you can refinance the next day with many lenders. You can email a mortgage broker like myself to find out more.

  • To add to the above answer, you do NOT have to wait 2 years to refinance after a chapter 7 discharge, those are for fannie Mae loans. You can refinance a chapter 7 a day after discharge. A chapter 13 can also be refinanced before discharge since it's on a payment plan for 3-5 years from filing date. You can get a chapter 13 refinance as little as 6 months from filing, not discharge and you can payoff your chapter 13 in the process if you have enough equity in your home.
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13y ago

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