Hello,

I am seeking a refinance for my owner-occupied primary residence in Chicago. I recently received a Chapter 7 discharge in May 2026 and am looking to refinance out of a hard money loan.

My approximate loan amount needed is $260,000-$265,000. My mortgage score is approximately 643, and I have stable W-2 employment with the City of Chicago.

Can you please let me know:

1. Do you have any Non-QM refinance programs available for a recent Chapter 7 discharge?

2. What is the minimum waiting period after discharge?

3. What is the maximum LTV available for an owner-occupied refinance?

4. What minimum credit score is required?

5. Would a co-borrower with stronger credit improve eligibility or LTV?

6. Can closing costs be financed into the loan?

Thank you for your time. I look forward to hearing from you.

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