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Best Refinance Lenders After Bankruptcy (2026)

Lenders that work with borrowers who have a bankruptcy in their credit history, including waiting period requirements.

Top Lenders for This Situation

Rocket Mortgage

4.5

Best for: Online experience

Min. credit score

580

ConventionalFHAVAJumbo

Pros

+Streamlined online process with fast pre-approval
+Wide range of loan products including jumbo
+Highly rated mobile app and customer support

Cons

-Origination fees may be higher than some competitors
-No in-person branches for face-to-face meetings
-Limited home equity loan options

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Better

4.3

Best for: Low fees

Min. credit score

620

ConventionalFHAJumbo

Pros

+No origination fees or lender commissions
+Transparent pricing with real-time rate quotes
+Fast closing timeline in eligible markets

Cons

-No VA loans
-Limited physical locations for in-person support
-Customer service can be inconsistent during high volume

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LendingTree

4.2

Best for: Comparing multiple offers

Min. credit score

580

ConventionalFHAVAJumboUSDA

Pros

+Receive up to 5 offers from competing lenders
+Wide range of loan types and lender partners
+Helps borrowers with lower credit scores find options

Cons

-Not a direct lender (marketplace model)
-May receive marketing calls from multiple lenders
-Rates shown are estimates until lender verification

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Guaranteed Rate

4.3

Best for: Wide loan selection

Min. credit score

620

ConventionalFHAVAJumboUSDA

Pros

+Extensive loan product menu including niche options
+Both digital and in-person support available
+Competitive rates with rate lock flexibility

Cons

-Origination fees vary by market and loan type
-Online reviews cite occasional processing delays
-Not available in all states for all products

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loanDepot

4.0

Best for: Repeat customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Lifetime guarantee waives lender fees on future refinances
+Available nationwide with local loan officers
+Solid digital application experience

Cons

-Higher rates reported compared to some online lenders
-Customer service ratings have fluctuated
-No USDA loans

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PennyMac

4.1

Best for: Existing PennyMac borrowers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Simple refinance process for current PennyMac customers
+Competitive rates on conforming and government loans
+No in-person visit required

Cons

-Limited branch locations
-Less competitive for jumbo or non-conforming loans
-Online tools are functional but not best-in-class

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Chase

4.2

Best for: Existing Chase customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Rate discounts for existing Chase banking customers
+Nationwide branch network for in-person support
+Strong reputation and financial stability

Cons

-Less competitive rates without relationship discounts
-Approval process can be slower than online-only lenders
-No USDA loans

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Wells Fargo

3.9

Best for: In-person service

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Large branch network for face-to-face support
+Closing cost assistance programs available
+Wide range of conventional and government loan products

Cons

-Online application experience lags behind digital-first lenders
-Past regulatory issues may concern some borrowers
-Rates may not be the most competitive for all profiles

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Navy Federal Credit Union

4.6

Best for: Military and VA loans

Min. credit score

580

ConventionalVAJumbo

Pros

+Excellent VA loan terms with no PMI
+Lower credit score requirements for military members
+Consistently high customer satisfaction ratings

Cons

-Membership limited to military, veterans, and families
-No FHA or USDA loans
-Branch locations concentrated near military bases

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Relevant Loan Types

FHAVA

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Use real Federal Reserve data to calculate your potential refinance savings for this scenario.

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Frequently Asked Questions

How long after bankruptcy can I refinance?

For Chapter 7 bankruptcy: 2 years for FHA/VA, 4 years for conventional. For Chapter 13: 1 year into the repayment plan for FHA (with court approval), 2 years after discharge for conventional.

What credit score do I need after bankruptcy?

FHA loans require a minimum 580 score. Many borrowers can reach this within 1 to 2 years of bankruptcy discharge by rebuilding credit. VA loans have flexible requirements for eligible veterans.

Will I get a higher rate after bankruptcy?

Yes, your rate will likely be higher than borrowers without bankruptcy history. However, as your credit improves, you can refinance again to a lower rate in the future.

What documents do I need to refinance after bankruptcy?

You will need your bankruptcy discharge papers, explanation letter, proof of re-established credit, proof of on-time payments since discharge, and standard income documentation.

Can I do a cash-out refinance after bankruptcy?

Yes, but waiting periods are typically longer. FHA cash-out requires 2 years after Chapter 7 discharge. Conventional cash-out requires 4 years. Lenders also require rebuilt credit and sufficient equity.

This page is for educational purposes only and does not constitute financial advice. Wirly is not a lender or mortgage broker. Individual rates, terms, and eligibility vary by lender and borrower profile. Consult a licensed mortgage professional for personalized guidance.