if you are in a chapter 13, most likely you are current on your mortgage especially if it's been 18 months while in bk13. If you are trying to modify while in 13 and paying on time, they will not modify your loan because there are a bazillion (not a real number) people ahead of you who are not protected by the courts and about to lose their home. Call a lender, have them pull credit and see if your mortgage is delinquent. If it is, you need to make 12 on time payments to refinance. If it's on time, you'll need to get permission from the court to refinance. Once you refinance, don't be late on the mortgage, ever, ever, ever. Actually, after a bankruptcy, you can never be late on anything unless you want to kiss bye-bye to ever buying a house again or for a very, very, long time.