Can you refinance a mortgage that was not reaffirmed in the state of PA?

There is a difference between loan modification and refinance.  The former may be effected by a Chapter 7 discharge, while the latter should not.  If you obtained a discharge without reaffirming the debt, some mortgage companies will refuse to consider a loan modification.  Based on your description, it does not seem likely you are referring to a loan modification as that will only be considered if you are delinquent.  You stated you are current and have always been so.    By contrast, a refinance does not necessarily involve the existing lender as you can obtain a new loan from any willing new lender.  If your existing mortgage company refuses to consider a refinance based on the lack of reaffirmation, the simple solution is to seek another lender. I trust this answers your questions but do not hesitate to call or email me on a free initial basis. Best Regards,   Matthew R. Nahrgang, Esquire 35 Evansburg Road, Ste 400 Collegeville, PA 19426 (610) 489-3041 o (610) 489-3042 fax nahrganglaw.com