Is there a way to get a DU approval on a Harp loan (Fannie) with a Ch. 13 D/C June of this year?


This one is for my fellow loan officers. I have a client with a loan owned by Fannie Mae which makes him a canidate for HARP but he has a chapter 13 bankruptcy that was discharged 06/13. I sent it through the DU but it keeps flagging the bankruptcy (DU message “Refer/Caution”). I know most lender’s want at least 18 months after D/C but it has to be a way to get a DU approval right? Any tips would be greatly appreciated. Thank you!


REFI needs to be done with lender who holds the note.

Answered almost 2 years ago
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