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MAJOR mortgage mess. Want to refinance, but...
So...husband and I filed ch 7, 5 years ago. Scores in mid to upper 600's. Ideally we want to sell our house because I had twins a year ago, and that puts 6 people in a 1500 sq ft house that we are paying OVER $2000 a month for (with homeowners ins, and escrow). We have 2 mortgages. 1st-WF at 5.35%. 2nd, local cu at 10.75%!! Bk lawyer messed up and reaffirmed 2nd mort and not 1st! UGH!!!! So even though we pay on time every month to both lenders, it's not reporting. WF says included in bk. and 2nd mort says "transferred to another account". Bank was bought out by a new bank a few years back, and ever since, stopped reporting. So it shows us as having 0 home loans! I would like to for the time being, consolidate the 2 to a lower int rate, and make 1 payment. But because WF wasn't reaffirmed I've been told this will cause BIG issues. Does anyone know if I can consolidate and save a bit until we are ready to put the house on the market...maybe in a year? We are in WI if that helps. Thanks!

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