Looking for a refinance with a bankruptcy.

These are a lot of good response, but everyone is forgetting that with Fannie Mae or Freddie Mac have current refinance programs available for 1 day after bankruptcy you van refinance your primary residence.

Fannie and Freddie require 4 years after bankruptcy (Chapter 7) and 2 years after a 13. FHA requires 2 years after a 7 and 1 year from start of the payment plan of a 13. We have a product that requires a minimum of six months after the discharge. So depending on where you are in the time cycle you may or may not qualify at this time. ~ 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

Any lender will need to know a bit more to be able to determine this: was it a chap 7 or 13 bankruptcy; when was it discharged (if 7); and what type of loan it is (FHA, VA, conventional). You might check with one of the Local Licensed Mortgage Brokers here on Lender 411 to get more specific information for your situation.

FNMA and Freddie Mac require 4 years for a Chapter 7 Bankruptcy after Discharge or dismissal date and 2 years for a Chapter 13.FHA is 2 years after discharge date for a Ch.7 and 1 year of payout and permission from the court. VA Loans are the same as FHA for both Chapters 7 & 13. Jumbo Loans have specific guidelines. If you have any more questions feel free to contact Unity West Lending.

I will be happy to review your bankruptcy case, and advise you of the opportunities for refinance that you currently have available to you.Dave Metsker, 503-620-2239

no programs available

Need more information, when was the BK and what type of Bk was it? 855 411 lend Peter Savino

You did not give anyone enough information to assist you. I suggest simply contacting a mortgage broker in your area. Give them a full application, and let they see what your options are.