Refinance During Chapter 13 Bankruptcy in Arizona 2026: What FHA and VA Actually Allow

Published on: 09/08/2026

You can refinance during an active Chapter 13 in Arizona, but only with FHA, VA, or USDA financing, only after 12 months of on time plan payments, and only with bankruptcy court approval. Here is the real process and timeline. Pillar Mortgage Group, NMLS #2700076.

Arizona Mortgage and Home Selling Guides

Straight answers on buying, refinancing, and selling a home in Scottsdale, Phoenix, and across Arizona, from Blake Hermann, Director of Lending at Pillar Mortgage Group (NMLS #2271358).

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