I want to refinance my mortgage. I converted from a Chapter 13 to Chapter 7 on 2/2010, and I have been current on my mortgage since 2007. The payoff would be approximately $92,000 and the house is valued at $186,000. What program do I apply for, if any? – Roger


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.