Craig, you might be able to refinance your primary residence that is held in trust depending on a number of things. If you have been at least 36 months from the foreclosure and you have been able to establish credit since the foreclosure. As always lending depends on credit, income and assets. If you would like my help on this, please contact me by phone or email. I will need many more details from you to continue.
If your a Veteran you only have to have 24 months since the discharge