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Company Loan Type APR Est. Pmt.

Can I reaffirm on my house after a bankruptcy discharge?

Posted on: 08th Sep, 2008 03:51 pm
i live in ny. i had a chapter 7 bankruptcy. i have been paying and never late on my mortgage payments and want to reaffirm with them. i called chase (my mortgage lender) and they said i cannot reaffirm. i don't believe them. there has to be a way to do this. also, the bankruptcy lawyer that i used before is not available anymore. please help!
If my bankrupcy closed about 3yrs ago how long would it take to reopen it to file for a reaffirmation?
Posted on: 01st May, 2013 11:35 am
Hi Woowoo!

Welcome to the forums!

Reaffirmation should be done when you're in bankruptcy. Now that 3 years have passed since your bankruptcy filing, I don't think you will be able to get the reaffirmation.

Feel free to ask if you've further queries.

Sussane
Posted on: 02nd May, 2013 12:08 am
Can I refinance with another mortgage lender I have been discharged for over 3 years but I did not reaffirm with the the present lender but do want to take over being responsible for the property do I have to see an attorney I have made timely payments for awhile now in January I will have gone a whole year without being late I would like to take advantage of the streamline program for FHA loans I hope you can help
Posted on: 06th Aug, 2013 10:02 am
I forgot to tell you I live in ohio
Posted on: 06th Aug, 2013 10:04 am
Hi bockey,

As you haven't reaffirmed the mortgage, I don't think any of the lenders will be ready to help you with a refinance.
Posted on: 06th Aug, 2013 10:00 pm
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