I filed chapter 13 in 2010 and it was discharged in 2011. Never late on my mortgage, which is a FHA mortgage. I heard about a streamline FHA refinance and went to my current lender, Chase. As soon as they heard I filed BK, they said no. Is that just Chase? Where can I go to do this, any ideas or suggestions?
FHA's guideline may allow a refi but the actual lenders may still say no. Lenders superimpose their own criteria on top of FHA's criteria. I recommend that you talk to a mortgage broker as they deal with multiple lenders and most will do FHA guaranteed loans.
This week, FHA just reduced the waiting period for mortgage qualification after haveing had a foreclosure, short sale, bankruptcy. You can now qualify in as little as 12 months. Maybe the refi rules have been relaxed too.
I just posted an answer to this in this thread over here:
Basically, Post BK, you modify the original loan (w/o reaffirming) rather than get a new one. Chase rules for mods (but read that whole post).