Chapter 7 Bankruptcy, No Reaffirmation, Trying to Refinance (Virginia)

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I have a borrower who had a Ch. 7 bankruptcy 4 years ago due to a failing business. The mortgage was included, but he maintained on time payments up to the present. His bankruptcy lawyer advised him not to reaffirm the mortgage. Now he is trying to fix up the house and refinance down to a lower FHA mortgage. Is there anyway that he can refinance? I have been told by multiple account executives that without a reaffirmation they will not refinance. Any help would be much appreciated.


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