Cash or home equity after bankruptcy

Cash out refinance it would depend on what type of bankruptcy and the type of loan. Most loan programs look at a time period from the discharge date.

As far as the most commonly acquired FHA/VA mortgage loans at the best rates...Fannie mae or Freddie mac loans... you typically need to wait two years after a chapter 7 bankruptcy discharge date, for a cash out loan. It can be a 5 year wait on a conventional loan. Banks or credit unions providing equity lines of credit usually follow similar rules. You could look into an alternative loan but the rates are usually at least a couple of points higher as well as cost; the loan to value and amount of cash would be more limited as well. For a chapter 13 you could refinance sooner depending on court settlement agreement and completion.