Calculate your break-even point: total closing costs ÷ monthly
savings. If you'll stay past that point, refinancing saves you
money.
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FHA: 2 years after Ch7, 1 year after Ch13. Conventional: 4 years
after Ch7, 2 years after Ch13.
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Yes, with additional steps. You'll need either an IRS lien
subordination (Form 14134), payoff at closing, or an accepted
installment agreement.
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When rates drop 1%+ below your current rate, your break-even is
under 3 years, or you need to change loan terms due to life
circumstances.
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