@Anonymous wrote:I filed bk 7 2 years ago. Got divorced 9 months ago. We did not reaffirm the mortgage. I kept the house. I struggled the first few months and decided I would sell the house. So during that time I fell behind on my payments. I made some renovations to get it ready to sell. I also borrowed money from a family member to complete renovations, and they put a lien on the home for that loan. After looking at what I could afford in our market I decided not to sell. However I still need to pay back that loan/lien. I thought it was no big deal that I had fallen behind on my payments because it doesn't show on my credit. I thought the new lender would just need a payoff for the mortgage, but someone told me they will require something from my current mortgage holder that says I haven't been late. Well I have been late. I am caught up now, but had gotten 60 days behind and stayed there for a few months. If I try to refinance will they require me to get records from my current mortgage company showing my payment history since the bk or is there a way around that? Obviously I feel like a complete idiot now, and am scared I'm going to have to sell anyways. Thanks for your help/input!
The new lender will definitely check your payment history with your current lender. Having payments made 60 days after the due date of your mortgage after a Bk is a credit killer.
However, if you sell your home and rent for a year (so you have 3 years from your discharge). You should be able to get a new mortgage. Why? Because the lender will only want the HUD/ALTA statement and 12 months of rent checks 
They won't inquire into the payment history of your current lender because you will have effectively replaced it with the rental history.
If you don't want to do that, you may have to wait quite a while to refi. What would be the LTV if you were able to get a refi on your current residence? LTV makes a difference.