In chapter 13 for 30 months

[HELP]

Would like to find someone to refinance, with a fix rate and stay active in chapter 13. Currently in an adjustable rate.

[chpxiii]

You'll need to get permission from the court - as a refinance is new debt - and then find a lender who will refinance you. All this provided you have made on time payments for atleast 12 months into your chapter 13 plan.

[Flamingo]

Would like to find someone to refinance, with a fix rate and stay active in chapter 13. Currently in an adjustable rate.

See the previous reply and also your own attorney is a good source in recommendations as to brokers who can help you with refinancing; that it is you will be able to refinance. Only your attorney can advise you as to that and then it has to be approved by the Trustee. It is not an overnight thing; a Motion has to be filed (which cost us $400 in added attorneys fees) but we included that fee in the refinancing settlement. Now is not a good time to refinance but if you think you are able and get possible get a decent rate, then shop around and investigate but only after you have permission to do so. Best of luck - it's not as easy as you think it will be.

[MTG_BANKER_OH]

Would like to find someone to refinance, with a fix rate and stay active in chapter 13. Currently in an adjustable rate.

You might be able to refinance, there are manyu factors that it will depend on, income, equity in your home, ch 13 pay history, whether there are any derogatory accounts after the CH 13. Check out the mortgage forum here there are many posts about this there. Your best bet and only chance is FHA. They are the only loan I know of out there that will allow a refinance while in a CH 13 plan.

They can be done.

You may also want to see if you have a prepayment penalty on your loan you may want to get approved now but wait until the penalty is up bacause the pre prepayment penalties can be harsh on subprime loans. You need to find a lender that is familiar with FHA.