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Can I Refinance My Home After Chapter 13 Bankruptcy? Atlanta, GA

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Can I Refinance My Home After Chapter 13 Bankruptcy?

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In the past several years, many people have been able to take advantage of low interest rates on home loans to help reduce their monthly financial obligations. People who have previously filed for bankruptcy protection under Chapter 13 may be wondering if there is any way they can improve their financial situation further by refinancing their homes. 

While having a bankruptcy on your credit report presents a challenge to securing refinancing, it does not preclude homeowners from being able to refinance. When seeking refinancing, lenders will apply many of the same conditions to homeowners who have a bankruptcy on their record as to those that do not. Understanding how to position yourself so that you can take advantage of low interest rates can call for the help of a skilled bankruptcy attorney who can help ensure you take all the right steps to maximize the benefit you receive from refinancing.

Some of the conditions for securing refinancing through the FHA include:

  • Having good credit
  • Having a satisfactory employment record
  • Permission from the trustee

In the case of FHA loans, the homeowner must also have been paying on his or her current loan under the Chapter 13 repayment plan for at least one year. For those seeking refinancing through a conventional lender, the amount of time that may need to have passed may be longer. 

The key to making the most of any possible refinance is understanding how the circumstances of your situation will fit with the criteria a lender is using to evaluate potential loans.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Jamie L. Gingold, PC
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    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

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    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

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    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

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    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

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    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

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