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Refinancing after a Chapter 13 is possible. Fannie Mae has a 2 year waiting period. HARP 2.0 lasts till December 2013 so you have time. Chapter 13 refinance loans using the home affordable refinance program are possible after two years from discharge. Your Fannie Mae or Freddie Mac loan must be current today with no late payments since your bankruptcy. An appraisal may not be required. No minimum credit score guidelines All Fannie and Freddie loans eligible prior to June 1st 2009..

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