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Discharged, Pre-approved, Now need court approval?

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  • Discharged, Pre-approved, Now need court approval?

    Chapter 13 Filed 6/2010. Discharged 11/2015. Got pre-approved for a mortgage. Now they tell me I need to be 2 years outside of a chapter 13 or I need a letter from the court? Lawyer said court isnt going to give me anything....I'm discharged. I'm confused. I looked it up online and the lingo is confusing. I think it's really supposed to be for those buying while in 13 but it doesn't specify. Suggestions???

  • #2
    Hi..after I was discharged I spoke to my bank about refinancing and they were very adamant...we have to wait 2 years. Not only is it their requirement but the requirement of Fannie Mae also. We were discharged from chapter 13, 3 months ago.
    Filed Chapter 13 - 07/20/12
    Discharged 8/2/16

    Comment


    • #3
      Conventional loans require 2 year wait after discharge. FHA loans are possible as early as an active 13 provided you have made 1 year of on time plan payments.
      You can't have your cake and eat it too. But you can dip your finger in the bowl and lick the icing

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      • #4
        Correct FHA is possible but you will have to pay PMI no matter what. PMI in my case makes the scenario cost prohibitive.

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        • #5
          Court has no jurisdiction to give such approval as you received your discharge. Unfortunately, you will need to find a lender who is willing to loan sooner than the "seasoning period" discussed by the others or you will need to wait.

          Des.

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          • #6
            This the reason we did a Fannie Mae HARP refi back in june. It took 2 years to get everything straighten out,,but we got it done. Still have 2 months to go in ch13.

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