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What happens next, find out more about the approval process.

Read what lenders really look at when considering you for a loan.

Once the bankruptcy is filed, all property of the debtor at the time of filing and certain other property to be received in the future, becomes the property of the bankruptcy estate.

Another way to make a refinance work for you is to refinance for more than the balance remaining on your old mortgage -- in effect, tapping your home equity, or "cashing out."

With a lower interest rate on your home loan, you will have less interest to deduct on your income tax return.

5 helpful steps to getting a VA Loan.