I am 1 1/2 years into a 3 yr chapter 13. I am looking to get a mortgage and move to a cheaper house due to reduced income. I could switch to a 7 but there is a 2 yr waiting period. If I switch to 7 from 13, I heard that there is no new date reported on the credit report. Could I get a mortgage 2 years from the 13 filing date if I switch to 7? I also read something about if you are close to the end of a 13 that you can apply for a hardship discharge. Anyone know the details to getting a hardship discharge? Will it effect me being able to get a mortgage?
Thanks.
