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After bankruptcy, credit becomes more difficult – but not impossible. What You Need To Do To Get Bankruptcy Loans First off, to get refinancing mortgage after bankruptcy, you will have six months time to get your mortgage ready following declaration of bankruptcy, and so you need to ensure that you have a good history of repayments and that means paying bills regularly as also keeping up with your ongoing mortgage.

You might also find opening a credit card to be to your advantage as it will help establish a good history of credit, and it will also help if you were to have a stable savings account which will look good on your application for refinancing mortgage after bankruptcy.

You can refinance after a bankruptcy or even during bankruptcy. But you may have to look at more than a few financial institutions that will be willing to make you the loan.