Can you refinance a Texas home mortgage equity loan after a Chapter 7 discharge?

24 months after the date of discharge.

Yes. Contact a local Mortgage Banker/Broker, rather than one of the big banks or national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, we are trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

Enter your answer hereNot Immediately. Normal Chapter 7 BK Waiting Periods would apply. I'd be happy to go over that with you. Just contact our office Sincerely,Henry J Daniels - Sr. Mortgage Banker & CMPSI Certified Mortgage Professional Certified Military Housing Specialist "Educating you to make the right financial choices for your family today and tomorrow" Direct/Text: (936) 228-1944

Yes. However, the time frame that you will need from the discharge date will be subject to the loan program and any acceptable extenuating circumstances that may have been the precursor to your Chapter 7 Bankruptcy. Make sure to work with a mortgage banker from the state of Texas due to the strict Texas A6 guidelines. Have a great weekend.