Saving your home after bankruptcy will make you wonder if use that to refinance so you can start with a new mortgage which you think might help you during that vulnerable stage. You can actually use your home to refinance any mortgage after bankruptcy. You just have to know some facts about getting one and where to get them best. You can find a lender that will offer you a refinance for your mortgage after bankruptcy anywhere. The problem is that most of them require some years before you will be approved. The most typical number of years you have to wait is two years. Some may even border two or more years. But this will be dependent on other abilities and capabilities on your part. But if you really need that refinance and you cannot wait two years to have it, other options are open for you. There are mortgage brokers that are connected wholesale lenders that are capable of providing the refinance in the fastest time. If you are lucky enough, you may be able to find one that will refinance your mortgage for you the day after you filed for bankruptcy. Other types of mortgage refinance are also made available to you in order to satisfy some of the needs you may have after bankruptcy.The wise thing to do is get yourself a mortgage broker that is capable of finding the best lender for you. If you have found an effective broker, you will be able to achieve that refinance without experiencing some of the headaches that others have. With a mortgage broker, your problems are divided and are being absorbed by the other person. And if you want someone who knows the ropes around refinancing after bankruptcy, they are the persons who know it best. What matters the most in mortgage refinance after bankruptcy is the history of your mortgage payment. Lenders will be looking at this fact once you start filing for refinance. It is but imperative that after bankruptcy, no late payments should be made by you. Any delay on the payments that you need to make will reflect back on your ability to get refinancing. If you want to emphasis how serious you are in establishing your credit once again, make sure that you adhere to the payment dates and keep everything up to date. After 1 year or more of showing an improvement in your credit standing, lenders will be more than happy to give you the refinance you wanted. Your payment history can even make a big difference on the interest rates that you have to pay. All these things will be considered once you have applied for refinance. Do not be like those people facing bankruptcy that has gotten into more debts rather than lessening some of it. This is usually the case for those who do not think that lenders are capable of providing them the refinance they need. With ignorance and lack of information, they see themselves getting more into serious problems and no recovery in sight. Refinance after bankrupt is very much possible. Arm yourself with knowledge and get the services of the best mortgage broker out there. This is your opportunity to get back on your feet again. Do not miss this chance of putting your life back together.