[Referring to the last couple of posts in this thread: http://www.bkforum.com/showthread.ph...ery-bad-idea.]
wait! So you guys are telling me you CAN get a loan mod/refinance after BK7 without reaffirming before a 2-4 year waiting period???!! I just talked to Citimortgage and they of course said it's not possible. Here is our info:
BK7 Discharged may 2012
we did a 80/15/5 purchase in 2006
Currently:
Zillow value 174k
citimortgage 1st 193k at 6.375%
citimortgage 2nd 33k at 8.5%
We have always been current and would like to keep the house but would like to mod/refinance. How do we get them to play ball....stop paying both the first and second? we have no problem doing that and putting the money into savings to be paid at a later date if necessary. Thanks!
wait! So you guys are telling me you CAN get a loan mod/refinance after BK7 without reaffirming before a 2-4 year waiting period???!! I just talked to Citimortgage and they of course said it's not possible. Here is our info:
BK7 Discharged may 2012
we did a 80/15/5 purchase in 2006
Currently:
Zillow value 174k
citimortgage 1st 193k at 6.375%
citimortgage 2nd 33k at 8.5%
We have always been current and would like to keep the house but would like to mod/refinance. How do we get them to play ball....stop paying both the first and second? we have no problem doing that and putting the money into savings to be paid at a later date if necessary. Thanks!
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