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I have a 2009 mobile home financed with a high interest rate. I am about to get a discharge on a chapter 13 bankruptcy. I would like to get a loan for a land and mobile home while dropping my interest rate. I have been paying for my trailer without being late for over a year. How long after my bankruptcy is over should I try. The mobile home is financed for 16 years.

leeelliot61 · Joined: 13 Sep 2009 Posts: 188 0.01 Dollars($)

Mikey,

you need to reaffirm your mortgage with your lender. continue to make timely payment.

simpoltaneously, you can initiate process of mortgage modification

sunnyca2009 · Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)

check this

http://www.mortgagefit.com/discuss/refinanceafter-bankruptcy.html

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What to do after bankruptcy 13