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If I filled chapter 13 can I refinance my home with you?

by ElsieL_224_259 from Kissimmee, Florida. Jul 19th 2012 Reply


William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,726 contributions

Yes.. After 12 on time payments and permission from the BK trustee.. 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

Jul 19th 2012
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Linda Wintersteen (Linda123)
#62 ranked lender in Arizona - 1,256 contributions

first, if you are currently in a 13 bk, and if you are upside , or underwater on your house, and permission from the bk court, and it will benefit you as well as the trustee of the court, like you will be able to payoff your bk sooner, it can be done case by case.. i have two of them right now , that one is in process and in front of the courts, and one I am preparing to send to the courts.. linda

Jul 19th 2012
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Jul 19th 2012
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#77 ranked lender in Florida - 2,240 contributions

Yes it is possibly but I need more info. It depends on how long you have been making your chapter 13 payments. Call me tomorrow to discuss more. Michelle 201-962-3555

Jul 19th 2012
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Ron Sadaka (Ron Sadaka)
#8 ranked lender in Florida - 8 contributions

As you might have heard by now, it all depends in when the BK was discharged or how long you have been complying with the trustee's payment requirements. Let me know if I can help.Ron Sadaka561-252-0432

Jul 19th 2012
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,970 contributions

Your question doesn't tell us if you are currently in a Chapter 13 or if it has been dismissed. If you are in a 13, yes, after you've made at least 12 payments, and have permission from your trustee. If it is dismissed, yes right away. Of course this just addresses the bankruptcy question. You still need to go through all the other standard loan application processes before you have an approval.

Jul 20th 2012
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Linda Burek (lburek)
#139 ranked lender in Florida - 25 contributions

In Florida you have to be out the Chapter 13 for 2 years for a VA or FHA Loan and 4 Years for a Conventional loan. If you are doing a HARP (home affordable refinance) where you are upside in your home you are allowed to be in a Chapter 13. If you have any other questions please feel free to call me at 727-518-7818. Best regards, Linda Burek. Sunbelt Lending Services.

Jul 20th 2012
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Peter Botros (PeterBotros)
#70 ranked lender in New York - 895 contributions

If i am not mistaken Florida treats BK's more harshly than the rest of the country. Check with a local lender for more details.

Jul 20th 2012
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