Some post discharged foreclosure questions....

[bigstick]

I rec'd my Intent to foreclose a few days back and I setup a meeting to meet my lender. I took in my loss mitigation paperwork and met with them today. They told me I made a huge mistake not reaffirming the loan. Their reason was that they told me they could of refinanced the loan for me at a lower rate to make the payments less.

Now I know that's BS about I should have reaffirmed, but one question is can I refinance with the same lender and then be back "on the hook." ???

They told me that I could not refinance with them due to the chap 7 laws but I could refi somewhere else. I laughed...where can I get a refi one month after a discharge....

[drowning123]

They told me that I could not refinance with them due to the chap 7 laws but I could refi somewhere else. I laughed...where can I get a refi one month after a discharge....

Exactly, bigstick. Whatever you do after discharge will make you "on the hook." I guess you'll have to let this one go, unless you really love the house, the location, the school district, etc.

[tobee43]

Exactly, bigstick. Whatever you do after discharge will make you "on the hook." I guess you'll have to let this one go, unless you really love the house, the location, the school district, etc.

got that right! holy cow, it's unreal what these banks attempt after the "fact"...where were they when you didn't help ...prior TO going bk.