I was offered a absolute no charge refinance by my mortgage co that will lower my interest rate, with no credit check, cost or nothing. They tell me that this is a goverment program and would close in 19 days. This will lower my monthly payments by $130.00. I do plan on keeping my house after filing. I plan to file in Dec or Jan.

Question is - This will not have any impact on my chapter 7 will it? As I do plan to keep my house and keep paying.