Zillow Advice: Refinance - Refinance http://www.zillow.com/advice-thread/Refinance/508020/ Zillow Advice | Zillow Real Estate As others have mentioned ... http://www.zillow.com/advice-thread/Refinance/508020/ As others have mentioned you appear to be eligible for conventional and if you can close at 70% LTV the price adjustment for the credit score isn't too painful.&nbsp;&nbsp; If anyone tries to suggest FHA or any other loan type run away.<br/><br/>Anything below 620 score will NOT be eligible for conventional. Thu, 22 Aug 2013 19:01:00 GMT http://www.zillow.com/advice-thread/Refinance/508020/ 2013-08-22T19:01:00Z Conventional loans usually ... http://www.zillow.com/advice-thread/Refinance/508020/ Conventional loans usually have the longest waiting period after bankruptcy but luckily you're in the clear. If you want a conventional loan, you must wait four years after receiving a Chapter 7 discharge and two years after receiving a Chapter 13 discharge. There are&nbsp;definitely lenders out there, like myself, that can get you a loan with that credit score. Some lenders can go as low as 580 and others can go as high as 680, it just depends so shop around a bit and see what you can find. I would recommend though for your own future benefit to raise your credit score. The most effective way to fixing your credit score is to pay your revolving credit card balance and debt.<br/><br/>Well I hope this helps! If you have any further questions or if you would like a loan, feel free to contact me through the information on my profile page!<br/><br/>Good Luck! Thu, 22 Aug 2013 18:54:00 GMT http://www.zillow.com/advice-thread/Refinance/508020/ 2013-08-22T18:54:00Z Absolutely! Based on all ... http://www.zillow.com/advice-thread/Refinance/508020/ Absolutely! Based on all the information that you provided it doesn't seem that you would have trouble qualifying for a conventional refinance. However; with your credit being where it is I think there may be better programs out there for you, for the time being. Conventional loans are very credit restrictive and choosing once with a 627 would mean a much higher interest rate in most cases.<br/> Wed, 21 Aug 2013 22:41:00 GMT http://www.zillow.com/advice-thread/Refinance/508020/ 2013-08-21T22:41:00Z Should be an easy enough ... http://www.zillow.com/advice-thread/Refinance/508020/ Should be an easy enough deal. Please feel free to contact me by clicking on my profile if you have any questions.<br/><br/>Best of Luck! Wed, 21 Aug 2013 22:40:00 GMT http://www.zillow.com/advice-thread/Refinance/508020/ 2013-08-21T22:40:00Z chapter 4 only requires 4 ... http://www.zillow.com/advice-thread/Refinance/508020/ chapter 4 only requires 4 years wait from discharge date so yes you should be able to qualify for a conventional loan now. Wed, 21 Aug 2013 22:19:00 GMT http://www.zillow.com/advice-thread/Refinance/508020/ 2013-08-21T22:19:00Z Sure, you can do a refinance. ... http://www.zillow.com/advice-thread/Refinance/508020/ Sure, you can do a refinance. You only need a minimum of a 620 score and at least 20% equity. You are also over the 4 year waiting period mark after a Chapter 7. Seems that you meet the basics. Your ratios are not scary, either. Wed, 21 Aug 2013 22:18:00 GMT http://www.zillow.com/advice-thread/Refinance/508020/ 2013-08-21T22:18:00Z