How soon after bankruptcy can I buy a house. That rule is two years after the bankruptcy discharge, two years after s shortsale or deed in lieu,

Try our easy-to-use refinance calculator and see if you could save by refinancing. Estimate your new monthly mortgage payment, savings and breakeven point.

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A drop from 4.75% to 3.5% on a 200K mortgage would result in a $143.20 per month savings. That equates to a 14% drop. If there was a 3 year break even that would be worth it by most standards if you plan on keeping the house even for 5 more years. A 3 year break even would allow them to spend $5155.20 on a refinance to get the 3.5% rate.