Refinance Your Mortgage to Pay Off Chapter 13 Sooner
If you are a homeowner in an active Chapter 13 plan, your home equity may help you refinance your mortgage, pay off your Chapter 13 plan, and potentially reduce your combined monthly obligations.
See What a Chapter 13 Refinance May Make Possible
Enter your estimated home value and current mortgage balance to get a quick estimate of your available home equity.
$
Enter Two Estimated Figures
Use approximate figures. No credit check is required to view this estimate.
Explore What May Be Possible
Review potential Chapter 13 refinance pathways based on your situation.
For educational purposes only. This estimate is not a loan offer or credit decision. Actual equity, eligibility, loan approval, and Chapter 13 authorization requirements vary by case.
How RefiMy13 Works
Share the Basics
Tell us about your home, mortgage, and Chapter 13 plan. Your best estimates are fine.
Receive Your Review
RefiMy13 prepares your free written review, looking for possible savings, benefits, and a path to qualification.
Consider Your Options
If the review looks promising and you want to explore it, we introduce you to a qualified loan officer.
Choose Your Next Step
Decide if you want to move forward and if so, we will help coordinate from start to finish.
The RefiMy13 review involves no mortgage application or credit pull. Any later loan application is a separate process with the lender.
Specialized Guidance for a Complex Chapter 13 Refinance
Refinancing while in Chapter 13 is different from a standard mortgage refinance. RefiMy13 starts with a free written review of potential savings, benefits, and eligibility. If the review looks promising and you want to explore it, we introduce you to a qualified loan officer. You may contact the officer yourself or ask them to contact you. If you choose to move forward, RefiMy13 and the loan officer coordinate with your bankruptcy attorney.
We review your estimated home equity and Chapter 13 payoff
We help identify possible mortgage refinance programs
We introduce you to a qualified loan officer if you want to explore a promising option
If you proceed, we and the loan officer coordinate with your bankruptcy attorney
We keep the process and next steps clear
What a Personalized Review Can Clarify
A Chapter 13 refinance review focuses on three important questions: how much usable equity you may have, how much may be required to complete your plan, and how the proposed mortgage payment may compare with your current combined obligations.
Available Home Equity
Understand how much equity may be usable after existing liens, loan limits, estimated closing costs, and lender requirements.
Chapter 13 Payoff
Review the estimated amount that may be required to complete your confirmed Chapter 13 repayment plan.
Monthly Payment Comparison
Compare your current mortgage plus Chapter 13 plan payment with the estimated payment for a proposed new mortgage.
Every situation is different. Available equity, monthly savings, loan approval, and Chapter 13 completion are not guaranteed.
Could Your Home Equity Help You Pay Off Chapter 13?
Start with a free written review based on the information you provide and online home-value estimates. Explore whether refinancing may be worth considering, with no loan application or credit pull.
Helpful Resources for Chapter 13 Homeowners
Can You Refinance Your Mortgage During Chapter 13?
Learn when Chapter 13 mortgage refinancing may be possible and which eligibility factors lenders typically review.
Explore Chapter 13 refinancing →
How Home Equity May Help Complete Your Chapter 13 Plan
Learn how available home equity may help you refinance your mortgage and complete your Chapter 13 repayment plan sooner.
Explore early payoff options →
What to Expect From the Chapter 13 Approval Process
Understand the attorney, trustee, court, and lender approvals that may be required before a Chapter 13 refinance can close.
Understand the approval process →Chapter 13 Refinance Questions, Answered Clearly
Can I refinance my mortgage while I am still in Chapter 13?
It may be possible to refinance while your Chapter 13 case is active. Eligibility depends on factors such as your available home equity, income, payment history, current plan status, lender requirements, and any required case approvals. A preliminary review can help identify potential options, but it is not a loan approval.
Can a mortgage refinance be used to pay off Chapter 13 early?
Potentially. When permitted, proceeds from a new mortgage may be used at closing to satisfy the required Chapter 13 payoff and other eligible obligations. Whether refinancing can help complete your plan sooner depends on your available equity, payoff amount, loan terms, lender requirements, and required authorizations.
How much home equity do I need to refinance during Chapter 13?
There is no single equity requirement that applies to every homeowner. Usable equity depends on your estimated home value, current mortgage balance, other liens, closing costs, loan-program limits, and lender guidelines. A personalized review can help estimate how much equity may be available.
Do my bankruptcy attorney, trustee, or court need to approve the refinance?
Attorney coordination and trustee or court authorization may be required, depending on your Chapter 13 case and local procedures. Your bankruptcy attorney can explain the requirements that apply to your situation and help coordinate any necessary filings or approvals.
Will checking my eligibility affect my credit?
No. The RefiMy13 written review does not involve a credit pull or a mortgage application. It uses the information you provide and online home-value estimates. If a possible benefit and eligibility path emerge, we can introduce you to a qualified loan officer. You choose whether to contact the officer or ask them to contact you. If you decide to move forward, RefiMy13 and the loan officer coordinate with your attorney. The lender explains its separate application and credit requirements.