We live in NC and filed a Ch7 bankruptcy on our business and a Ch11 on the personal side after COVID closed our business. Both my husband and I had upper 700's for credit before before. Ch11 was confirmed in Feb '21 and final decree was just issued on 11/12/21. We have a home mortgage and HELOC as well as our SBA loan debt repayment that we'd like to roll into one mortgage with a refi. The SBA loan repayment will be repaid by end of 2022 but there is no penalty to repay early if we could refi. Are we just out of luck with a refi and have to wait 2 years or is there any option to do a refinance now with a decent rate?