Discharged Sept. 2011. Our home is financed through HSBC. Was not reaffirmed through bankruptcy. We currently have a 5.35% for 15 years. We make a little more than one extra house payment per year. House appraises for $113K, owe $78K. Would like to get in on the low interest rates. What are our options? How do we get HSBC to work with us? Are we in a spot to be able to look for a new lender? Also, just for info purposes, we have a $10k auto loan, and the wife has school loans. Do we try to add the $10k to the house and end up with a $88k home loan? The auto loan interest rate is significantly higher than the home loan.
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