You're working, and you've got a family that depends on you - both now and down the road. Where do you invest your money? Do you borrow against the equity in your house? Through a preferred provider relationship with USAA, The American Legion can provide expert financial advice to just about any question.
With such a recent bankruptcy, we’d be surprised if you’re able to refinance at all. You could certainly check with your current lender and others to see if it’s a possibility. On the positive side, it appears that you have substantial equity in your home and this could weigh in your favor. If you don’t ask, you’ll never know.