Per fannie mae guideline, streamline refinance means 12 months payments without being late, no lesser income compared to original application and afford the monthly payments in current status and no other pending charge offs and no closing cost involved here absolutley. With bk here, all the debts have been dishcarged, any body had luck with refinanceing fannie mae home mortgage loan with a bk like this one? I am trying to see what should I do to refinance in the next 4 months while the rates are low. I am going for 15 year fixed from 30 year fixed rate and the payment will go up by just $40 on a $100k loan
