Can anyone help with the guidelines regarding these 2 types? We will be 2 years out of BK on 12/31/09 - our current mtg is with WF, who is no help, as I keep getting different answers. I was told I could refinance through HARP, regardless of how long ago we were discharged; now I'm being told it has to be 4 years from discharge. For FHA, I was told we could start the process now, but it can't close until 2 years from our discharge date - now another rep is telling me, we can't even start the process until after 12/31. Can anyone clear this up?