cancel
Showing results for 
Search instead for 
Did you mean: 

Refinance mortgage afte ch 13 discharge question?

tag
Anonymous
Not applicable

Refinance mortgage afte ch 13 discharge question?

Wondering how long I should wait to apply for mortgage refinance. I am 5 months post ch 13 discharge. Scores are 700. Any input?  

Message 1 of 2
1 REPLY 1
dynamicvb
Valued Contributor

Re: Refinance mortgage afte ch 13 discharge question?

You need to be a year post-discharge for an FHA or USDA to get decent rates and I think VA is the same. You can get an FHA sooner while you are in your payment plan with trustee approval. A conventional won't be approved until 2 years post discharge. This is what I understand anyway. You will get better answers to ask this in the mortgage forum as there are several loan officers that hang out there.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.