Still in Chapter 13?
You Have Options.
Legacy Funding & Lending specializes in helping homeowners regain control of their finances while in — or just out of — Chapter 13 bankruptcy. Access first and second position mortgages, reduce your monthly obligations, and build toward a full refinance.
Why Work With Legacy Funding & Lending
Solutions designed specifically for Chapter 13 homeowners
How It Works
Simple steps to get you back in control
Submit your questionnaire
Fill out the form below with your case details, property info, and financial snapshot.
We review your case
Our team evaluates your situation — including your bankruptcy status, equity position, and payment history.
You receive a loan option
We present a 1 to 3 year first or second mortgage solution tailored to help you exit bankruptcy or manage payments.
Build toward a full refinance
Establish your payment history and transition into a conventional refinance at better rates when you're ready.
Just Out of Bankruptcy? We Can Still Help.
You don't have to wait years to get your financial life back on track. As soon as your Chapter 13 is discharged or dismissed, you may qualify for programs that put real money and savings back in your hands.
Cash-Out Refinance
Tap into your home's equity right after bankruptcy to access the cash you need — whether for home improvements, debt payoff, or a fresh financial start.
Lower Your Interest Rate
Refinance out of your existing high-interest mortgage into a lower rate loan and reduce your monthly payment — even with a recent bankruptcy on your record.
Fresh Start Lending
Our bridge loan programs are designed for borrowers coming out of Chapter 13. Build a clean payment history and transition into a conventional mortgage within 1 to 3 years.
No long waiting period required. Many lenders make you wait 2–4 years after bankruptcy. Legacy Funding & Lending works with you from day one after your discharge — so you can start rebuilding immediately.
Get Your Free Assessment
Tell us about your situation — we'll identify your best path forward
This is not legal advice. Consult your bankruptcy attorney before making financial decisions. Legacy Funding & Lending is a private lender/broker. Loan approval is subject to qualification.