can i refinance my house after bankruptcy

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Refinancing after bankruptcy: Chapter 7 vs. Chapter 13. There are two major types of personal bankruptcies: Chapter 7 bankruptcy – A Chapter 7 bankruptcy allows you to discharge some of your debts, with the possible exclusion of student loans, child support debt and unpaid taxes. You may be required to liquidate some of your possessions to resolve your debt, but you can usually keep your home.

Faced with foreclosure, the family is seeking $175,000 to stay in their home, using the money to refinance the mortgage on their house to a lower. was forced to abruptly close it after 26 years.

mortgage rates fha 30 year fixed Today’s mortgage rates | Current mortgage rates – HSH.com – Latest Mortgage Rate Analysis. Mortgage rates turned up a little bit this week, climbing off of recent lows. Freddie Mac reported that the averaged offered rate for a conforming 30-year fixed-rate mortgage was increased by six basis points (0.06%), rising to 4.41%, the same rate at which it began February.

When evaluating your options for lowering your monthly house payment, wipe bankruptcy. you can lower the interest rate, extend the length of your loan and lower your monthly mortgage payment.

How to get a home equity loan after bankruptcy. Keep in mind, a bankruptcy can remain your credit report for up to 10 years and seriously drag down your credit score, which might hinder your ability to qualify for a HEL. If you want to improve your odds of getting approved before that 10-year waiting period is up, start working as soon as possible on improving your score.

You can refinance if you’ve filed bankruptcy as long as the bankruptcy was discharged more than 12 months ago My sister lives there for free. My mother signed the house to us to be sold and split equally.

mortgage financing for bad credit Loans for bad credit – The good news is, you’re not the only one, and you have options for getting back on track. Choosing a bad credit loan can help to soften the blow of a tough financial season. And it could help you.

ASK LEON Bankruptcy expert Leon bayer answers real-life questions. Dear Leon, I filed bankruptcy in 2009. One of the debts discharged in the bankruptcy was a mortgage with Wells Fargo. Upon the advice of my lawyer, I did not reaffirm the mortgage in the bankruptcy. I kept my house, and I have stayed current on my mortgage.

After that, you can’t afford your payments and the lender forecloses on your house. You could then be sued for a deficiency balance, which became possible because you reaffirmed the loan.

If this is the case with your lien, the bankruptcy would have eliminated your liability on the loan, but it did not get rid of the lien against your house. To remove a. property cannot be attached.

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