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Witcho

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Mortgage refinance while in bankruptcy chapter 13 and home having good equity

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Unless the rules have changed since I filed a Chapter 13 twenty years ago , the best person to ask about this is your bankruptcy trustee. 

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Ask the Trustee

...and you'd better have a real good reason for it when you do. When I was still churning through that process, I was told by my lawyer (Chapter 13) that any credit activity which involves new of modified debt requires trustee approval and solid justification. Usually that justification includes things like replacing a wrecked or broken vehicle (or home if it got damaged somehow), but it can allow refinancing depending on circumstance. Note that lower mortgage payments will alter your income levels, and if the difference is more than 10% in your favor, your payments to the trustee will go up accordingly. If you have a lawyer, ask that person for all the details.

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