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    • Home
    • About Me
    • Certified Advisor
    • Bankruptcy
    • Home Loan Types
    • Resources
    • Reviews
  • Home
  • About Me
  • Certified Advisor
  • Bankruptcy
  • Home Loan Types
  • Resources
  • Reviews
Mike Foxen Altitude Home Loans

Professionalized Mortgage Services

Professionalized Mortgage ServicesProfessionalized Mortgage ServicesProfessionalized Mortgage Services

Accelerate Your Path to Financial Freedom

Time to take control

Are you tired of being bound by the limitations of Chapter 13 Bankruptcy? Take control of your financial future with our expert guidance. At Altitude Home Loans, we specialize in helping you explore the possibilities of early discharge from Chapter 13, offering you the chance to regain your financial freedom sooner than you might have thought possible. Our team is here to address your questions and concerns so you can confidently navigate the path to a brighter future. Discover the answers to some of the most frequently asked questions about Chapter 13 Bankruptcy and how it can impact your ability to secure home loans, refinance options, and more. 

Frequently Asked Questions

Please reach us at mfoxen@altitudehomeloans.com if you cannot find an answer to your question.

  • After completing a two-year waiting period from a Chapter 7 discharge date, homebuyers can be approved for an FHA, VA, or USDA home loan.
  • Ensure timely monthly debt payments and focus on rebuilding credit.


  •  Mortgage borrowers can qualify for FHA or VA loans, allowing a cash-out refinance to pay off debt.
  • Explore the possibility of early discharge for Chapter 13 Bankruptcy.


  • FHA or VA loans are accessible while in a Chapter 13 repayment plan.
  • Eligibility requires 12 satisfactory timely monthly payments to the Bankruptcy Trustee.


  • Bankruptcy Trustees generally approve home purchases and refinance mortgages.
  • Approval is usually granted unless for extravagant purchases.


  • The bankruptcy trustee's sign-off is essential for mortgages, including Chapter 13 bankruptcy buyouts. 


  • The assigned Chapter 13 bankruptcy trustee restructures debts based on the petitioner's income.
  • A portion of income is allocated to pay off creditors at a reduced amount.
  • The remaining balance is discharged upon the bankruptcy's completion.


What do I need to qualify for a Refinance loan?

Additional Information

  • W2s for the last 2 years
  • Most recent 30 days of pay stubs
  • 1040's Federal tax returns for the last 2 years, all pages, all schedules
  • Copy of your homeowner's insurance declaration page
  • Copy of your mortgage statement
  • Copy of your Chapter 13 Bankruptcy papers, all pages
  • Copy of your Driver's license


Explore your options for early discharge from Chapter 13 Bankruptcy and start your journey toward financial independence with confidence. Contact [Your Company Name] today for expert advice and personalized assistance tailored to your unique circumstances. 


Copyright © 2023 Mike Foxen Altitude Home Loans - All Rights Reserved.   

Altitude Financial Corporation DBA Altitude Home Loans
Altitude Home Loans | NMLS 1955555 

Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply. The views expressed are opinions of Mike Foxen alone and do not necessarily reflect the views of Altitude Home loans.  The information contained and the opinions expressed in this article are not intended to be construed as investment advice. Mike Foxen does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.   

Mike Foxen will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Consumer Access | Licenses & Disclosures 

An Equal Housing Lender • All Rights Reserved © 2023  

 Licensed by the California Department of Financial Protection and Innovation under license number 60DBO-138761. Loans made or arranged pursuant to a California Financing Law License. 


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