DESTINY: a girl thats sweat, pretty, and sometimes sad. Every boy that knows destiny is OMG. She is the most perfect girl in the universe. She usually goes out with guys that listen to the same music, sometimes dresses punk or emo, and the type of guy who will always be there even if they breakup.
After bankruptcy, paying your mortgage as agreed for two years or more may position you for a low-rate refinance loan. You may be approved for an FHA loan that is slightly above the going market rate. Certain conditions apply, such as your income, job stability and recent credit history.
You can refinance your current mortgage after a Chapter 13 bankruptcy discharge, but getting approved for a new mortgage with decent terms takes planning and time. The refinancing lender you are applying to considers your bankruptcy when deciding whether to approve your application, and the bankruptcy may impact the offered interest rate. A Chapter 13 bankruptcy allows you to develop a payment plan over a three- to five-year period of time to get out of debt.