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