Hi Ktrlal, yes, you should have much better options now that the Ch. 7 BK has been 2 years since the discharge. Most likely the best refinance option would be an FHA loan, as you should see roughly a 3% reduction in the interest rate. There are conventional loan options too, depending on the amount of equity they may be able to save you money too.
I'm in Orange County and I'd be happy to help go over your options if you'd like. Feel free to give me a ring or shoot me over an email.
Shane Milne | Lending in all 50 states | NMLS #81195
firstname.lastname@example.org | 949-322-3616 direct