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, all required payments made on time. In addition, the borrower must receive permission from the court to enter into the mortgage transaction. The exception is that most underwriters will consider the Chapter 13 Trustee’s approval as acceptable permission from the court. To get underwriting approval for a Chapter 13 Debtor to refinance, the Chapter 13 Trustee Colorado or Court must approve your application to incur new debt. Talk with your attorney to determine how and when to best proceed, or not. This is a process which you can only do with the assistance of your attorney.

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