I was in Chapter 13 about 5 years now, and finally be about 3 weeks. I am a VA loan. I’m eager to try to lower my mortgage payments, if possible, because I now have to start repaying student loans. I know my credit score is bad enough, although I have not missed a payment system operator or a car payment because my chapter is 13.Kas it difficult to refinance my mortgage after my Chapter 13 is completed. Can I streamline refinance home loan va? I went to my house 7 years now.Any ideas?