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It is a general conception that finding a refinance loan after filing a bankruptcy is quite difficult. But you can avail a home loan offered you pay the interest at a slightly greater rate. Typically, lenders do not favor taking the threat of providing mortgages to an individual who has filed bankruptcy. But there are the subprime lenders who can supply you loans at higher interest rates, often even after six months of finalizing your bankruptcy.

Filing a bankruptcy case impacts your credit status as it reflects your inability to spend down your debts. A Chapter 7 Bankruptcy stays in your credit report for at least 7 years whereas Chapter 13 Bankruptcy is featured in the report for ten years. But this does not mean that you wont be finding credit the only factor is that you wont qualify for a reasonable rate.

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