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Reaffirming 1st after chapter 7 discharge in california

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    Reaffirming 1st after chapter 7 discharge in california

    I just went through a chapter 7 here in California. My home had a 1st mortgage($640,000) and a heloc($120,000). Both of those loans were discharged in my chapter 7. I then contacted the first(wells Fargo) and asked if they could modify my discharged 1st mortgage. After 3 months of trying to modify my loan they did it. I have not signed anything but my second(heloc) put a lien on my property. My first and second are with wells Fargo. My home is worth $575,000. Wells Fargo is getting a subordination for the second. If I go through with this, say 6 years down the road, when the house may have some equiity, can the second force me to sell the house?

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