I have recently gone Chapter 13 Bankrupt and have a mortgage that has gone from $548 per month to $848 per month. I am paying the mortgage, taxes, and insurance out of pocket as well as $250 per month on the bankruptcy. Is there any way I can get a different mortgage company with a lower monthly payment and a fixed rate?
In some cases the payments made under a Ch. 13 plan will account for your payment habits and a mortgage loan can be obtained. Whether your rate and terms will differ from what you already have will depend on the mortgage product, terms offered and the lender.
You may start a conversation with your attorney to ask if he knows of a mortgage lender who can assist you. Your refinance may also need the approval of the court/Trustee.
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In some cases the payments made under a Ch. 13 plan will account for your payment habits and a mortgage 