Bankruptcy Buyout Chapter 13 Refinance

HUD allows Chapter 13 Bankruptcy buyouts, and is subject to your Trustee approval. You will need to show timely payments for a 12 month history with no late Bankruptcy payments, and on time payments for items that were not including in the bankruptcy. 

FHA Chapter 13 Refinances require that you a 12 month history from when you have filed the bankruptcy.  It is important that you have equity in your home to be able to roll the Chapter 13 balance into your mortgage. Borrowers may reduce up to 50% of their total monthly payments, and will not need to wait a long time to refinance. This type of mortgage refinance is also known as a fresh start mortgage. By paying off your BK 13, you will be discharged, and receive a fresh start to your new financial future!

You will need to gather your BK documents to start the process, and you can Apply Here or Contact Us for more information. Please visit our Mortgage Rates page for our daily rates!