Chris Langs..... currently 4 years into a reorg bankruptcy - credit scores are in the low 700s.How long after the bk is completed before we can purchase a new home or refinance our existing home for a better rate? Our loan is now owned by Freddie or Fannie and we are not upside-down.May 28 - Mesa00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.