Filed chapter 7 May 2010, closed September 2010. First mortgage paid off but have home equity loan of 160,000 to refinance.

Depending on your credit score and value of your property, you may qualify for a FHA or VA ( if military ) refinance.You also must have demonstrated re established credit in good standing. You must also income and credit qualifyPete

Lee is right about the timelines. Check with a local, licensed mortgage professional to check into your specific options. There are other details that can affect the process.

FHA -

You qualify now, for VA or FHA financing, as long as you haven't had ANY lates during the previous 24 months, and have reestablished your credit.

Yes, you can refi into and FHA or Va loan now.

Refi FHA.

The bankruptcy in and of itself is no longer an issue. FHA is the most likely loan option to get an approval. You must wait a minimum of two years after the discharge date, which in this case, has clearly past. Contact a local Florida mortgage broker, give them a full application, and let them see if everything else lines up for you.

The information on your timeline is correct here. For more information please give me a call. We are licensed in FloridaSharon7th Level Mortgage732 606 6264

FHA's time penalty is two years from the date the Judge discharged the Chapter 7. You should be eligible for a new FHA loan today. Work with a local Mortgage Banker/Broker rather than one of the big banks or big 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. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950