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.
Aside from that, the only real limit on how soon you can refinance is whether you can save money by doing so. That's mainly a function of three things: 1) your interest rate, 2) closing costs and 3) how long you expect to live in the home.n reality, however, the key question is whether you can reduce your interest rate enough to offset your closing costs-and that depends on how long you plan to stay in the home. Here's how it works: Suppose you've got a $250,000 30-year mortgage at 4.5 percent.