Can you do a cash out refinance fha after 1 year of chapter 13 discharged

That would depend mostly on your credit score. If your score has gone up to 620 or higher it should be possible to do.

Yes, if your ratios are within the guidelines, and you have established credit. An explanation for the cash-out will be required by UW.

Hi Silvia.b.silva476,Yes you can but it will be a manual underwrite & you'll have to demonstrate that you've re-established your credit. The other big question will be how your mortgage is reporting. | Please feel free to contact me for more information or help. | John Burke | Senior Mortgage Banker | Great Plains National Bank http://www.valoansdoneright.com | (877)228-9069 | Lending in ALL 50 states