I have a couple who want a cash-out refinance loan on an owner-occupied property that is completely paid off. However, they have a Chapter 12 bankruptcy that was discharged a little over a year ago. Has anyone else experienced this situation and have advice on potential options for them? Thanks!

Any loan officers know the agency guidelines on mortgage after Chapter 12 Bankruptcy? What type of mortgage loan can you qualify for purchase or refinance after Chapter 12 Bankruptcy discharge? Is there a waiting period to qualify for a mortgage after Chapter 12 Bankruptcy? What are the HUD, VA, USDA, and FNMA guidelines after Chapter 12 Bankruptcy?