can i refinance my house after bankruptcy

Bankruptcy makes it hard to refinance your home loan, but if you've been discharged. How do I refinance after my bankruptcy is discharged?

The answer is "YES!" You can refinance your home after bankruptcy and sometimes even during your plan. In this post we’ll be discussing those qualifying stipulations that you will need to meet in order to refinance your home during or after your bankruptcy.

The good news is that you can refinance your mortgage in as little as two years after filing for bankruptcy. How soon can you marry after chapter 7 bankruptcy? – Below are the perspectives of some Wiki s contributors about buying a house after. financing 1 day after the bankruptcy is discharged and filed at the courthouse. .

A bankruptcy filing typically remains on a credit report for seven years, before they can obtain a mortgage or refinance an existing home loan,

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While it is certainly possible to refinance after bankruptcy, lenders require that you wait a certain period and use this time to straighten out your finances before applying for a loan. Wait Up.

The Federal Housing Administration (FHA) requires you to wait at least two years after bankruptcy discharge before applying for an FHA-backed refinance after chapter 7 loan. private refinance loans are different, though, and may have easier or more stringent qualifying standards.

What are the chances I can keep my home after bankruptcy? The answer, like so many others in law, is that "it depends." Most people that declare bankruptcy are able to keep their houses throughout the process, but some are not.

Refinancing your home is possible after bankruptcy. A good time line is two years after the bankruptcy, once you have started to rebuild your credit. You need to wait as long as possible to boost your credit score as high as possible.

For starters, if you are underwater on your mortgage, meaning your mortgage amount is higher than the value of your home, your only refinance opportunity will be through the HARP program. fannie mae and Freddie Mac The earliest you can get a new mortgage guaranteed by Fannie Mae or Freddie Mac following a bankruptcy is two years.

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