Refinace during Chapter 13

[klandsb]

Just curious if anyone had success at refinancing w/there current lender for a lower interest rate during a Chapter 13. My pmts are made thru the plan and that is taken directly from my paycheck. I look at the interest rates now and just think wow, I could save so much money in the end if I had a lower interest rate. Mine now is 5.75% w/14yrs left. I saw some in the low 4% range .......

I wrote the phone# down a few days ago of my lender but cant get the courage to call

[ABC]

Yes, if you've made 12 payments already, and with Trustee approval. FHA only.

[MOMof3]

Has anyone here actually DONE the refi? I know we can get trustee approval as the extra $ per month will go towards my unsecured until we are done, AND, I know all about FHA supposedly letting us 13'ers do a refi., BUT I'm SO nervous at actually starting the process.