I have been paying my Chapter 13 repayment plan for eight months now, along with my mortgage, and no late payments. March will be 1 year. My interest rate is 5.625%. My home is worth $333.100, and I owe $226.000. Is it worth trying to refinance to a FHA mortgage in March 2025 or should I stay where I am? My mortgage is owned by investors, and they are always wanting to take me to court to increase my payments. And this is after we went to court and agreed on a repayment plan.