How do I Refi via Harp after ch 13 discharge or via any other potential type of loan?-

Refi via Harp after ch 13 discharge or any other type of loan?- Im about to receive discharge papers any day now. I would like to refinance out of a 6.5% 30 year fixed into a 15yr fixed. Property shows that its now a Freddie Mac loan. Its serviced by Citimortgage who refuses to allow me to speak to their Harp dept without a letter from attorney or actual discharge paper in hand. Fico score probably around 640-680 my best guess. There was a 2nd mortgage that was declared unsecured debt and stripped in the Ch 13 bankruptcy and will shortly be recorded as such on the deed/ title at the county level. What are my options if any? the loan balance is pretty small, $58650, appraisal probably would now put property at best guess 80,000 approx(ive done alot of repairs and renovation) I make around 65,000 a year and in addition am also a sole shareholder in a small C-corp with good cash flow. Any ideas? Sure would be nice to take advantage of low rates via harp or any other kind of conventional loan. I was told by TD bank that they generally look for 2 years of estabilished credit after discharge. Ive already been in Ch 13 for over three years with ontime payments and any day now i wil be offically discharged. Thanks in advance J by eastco_459_257 from Durham, North Carolina. Apr 27th 2012 Reply